へきしん電子記録債権サービス

はじめにお読みください（初期設定／基本取引）

7.0 版

はじめにお読みください

はじめに■ 電子記録債権「電子記録債権」は、手形・振込に代わる新しい決済手段です。また、中小企業の資金調達の円滑化を図ることが期待されています。
電子記録債権制度は、2008 年 12 月に中小企業など事業者の資金調達の円滑化を目的として創設された制度です。下記のような課題を解決する新たな決済手段として期待されています。
・ 手形の事務手続や印紙税、保管・搬送等の負荷軽減
・ 支払い手段の一本化による資金の効率化
・ 売掛債権の有効活用「でんさいネット」とは・ 全国銀行協会が設立した電子債権記録機関が、（株）全銀電子債権ネットワークです。
・ （株）全銀電子債権ネットワークの通称を「でんさいネット」、同社が取り扱う電子記録債権を「でんさい」と呼びます。
・ 「でんさいネット」は、利用者がインターネットなどから窓口金融機関システムを通じて取り扱う「でんさい」を記録・管理します。
・ 「でんさいネット」には、信用金庫をはじめ、全国の金融機関が参加します。

当金庫のお客さまは、「へきしん電子記録債権サービス」を通じて「でんさい」をご利用いただけます。

■ 本書の読み方
はじめて「へきしん電子記録債権サービス」をご利用になるときには、インターネット（パソコン）などの初期設定が必要です。
本書【初期設定編】の手順に沿って、初期設定を行ってください。
初期設定が終了すると、「へきしん電子記録債権サービス」を使って、「でんさい」の発生や譲渡などが行えるようになります。
本書【基本取引編】をお読みいただき、取引のながれと操作方法をご理解ください。

■ 本書の位置付け「へきしん電子記録債権サービス」については、本書のほかに、「へきしん電子記録債権サービス用マニュアル」が用意されています。
取引の際の詳細なシステム操作手順、留意事項などについては、「へきしん電子記録債権サービス用マニュアル」（以下、「ご利用マニュアル」と記載します）をご覧ください。
こんなときにはiiご利ご利こちらをご覧ください

はじめて「へきしん電子記録債権サービス」をご利用になるときには

本書【初期設定編】「へきしん電子記録債権サービス」の基本的な取引を行うには本書【基本取引編】「へきしん電子記録債権サービス」の基本的な取引以外の取引を行うにはご利用マニュアル

パスワードなど、初期設定で設定した情報を変更するにはご利用マニュアル

SD-2.1

はじめにお読みください

・ 記載されている内容は 2023 年 1 月現在のものです。
・ 本書に記載された内容は、改良のために予告なく変更されることがあります。
・ 実際にシステムを動作させて表示される画面は、お使いの OS やブラウザの設定により、本書に記載された内容と異なる場合があります。
・ Windows、Microsoft Edge は、米国 Microsoft Corporation の米国およびその他の国における登録商標です。
・ その他、記載されている会社名および製品名は、各社の登録商標または商標です。
・ 本文中では、商標表示（TM, R）を付記しておりません。

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目次

ご利用になる前に ································································································ 1
1

ご利用環境と動作条件の確認 ·············································································· 22

初期設定とは···································································································· 3

3ソフトウェアキーボードの使いかた ····································································· 5

初期設定編（ID・パスワード方式） ········································································· 1
1

事前準備（Microsoft Edge の設定）······································································ 2「インターネットのプロパティ」画面を表示する ················································· 2
Cookie（クッキー）を設定する ········································································· 3
インターネットオプションの詳細を設定する ······················································· 42システムを利用できるようにする（マスターユーザの初期設定） ······························ 6
マスターユーザがログインする ········································································· 6
マスターユーザのログインパスワードを設定する ················································· 7
マスターユーザの承認用パスワードを設定する ···················································· 8
マスターユーザの取引権限を設定する ································································ 93

複数名で利用できるようにする（一般ユーザの作成） ··········································· 11
新しく一般ユーザを作成する ··········································································· 11
一般ユーザを最新の状態にする ········································································ 13
一般ユーザの取引権限を設定する ····································································· 14

4

一般ユーザが利用できるようにする（一般ユーザの初期設定） ······························· 18
事前準備 ······································································································ 18
一般ユーザがログインする ·············································································· 18
一般ユーザのログインパスワードを設定する ······················································ 19
一般ユーザの承認用パスワードを設定する ························································· 20

5ログアウト····································································································· 21

初期設定編（電子証明書方式） ··············································································· 11事前準備（Microsoft Edge の設定）······································································ 2「インターネットのプロパティ」画面を表示する ················································· 2
Cookie（クッキー）を設定する ········································································· 3
信頼済みサイトを登録する ··············································································· 4
インターネットオプションの詳細を設定する ······················································· 5Internet Explorer モードでサイトの再読み込みを許可する ······································ 62システムを利用できるようにする（マスターユーザの初期設定） ······························ 7
マスターユーザが電子証明書を取得する ····························································· 7
マスターユーザがログインする ········································································ 12
マスターユーザのログインパスワードを設定する ················································ 13
マスターユーザの承認用パスワードを設定する ··················································· 14

iv

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はじめにお読みください

マスターユーザの取引権限を設定する ······························································· 15

3複数名で利用できるようにする（一般ユーザの作成） ··········································· 17
新しく一般ユーザを作成する ··········································································· 17
一般ユーザの電子証明書を発行する ·································································· 19
一般ユーザを最新の状態にする ········································································ 20
一般ユーザの取引権限を設定する ····································································· 21

4

一般ユーザが利用できるようにする（一般ユーザの初期設定） ······························· 25
事前準備 ······································································································ 25
一般ユーザが電子証明書を取得する ·································································· 25
一般ユーザがログインする ·············································································· 30
一般ユーザのログインパスワードを設定する ······················································ 31
一般ユーザの承認用パスワードを設定する ························································· 32

5ログアウト····································································································· 33

初期設定編（ID・パスワード方式／ID 共用化） ························································· 11

事前準備（Microsoft Edge の設定）······································································ 2「インターネットのプロパティ」画面を表示する······················································· 2
Cookie（クッキー）を設定する ········································································· 3
インターネットオプションの詳細を設定する ······················································· 42システムを利用できるようにする（マスターユーザの初期設定） ······························ 6
マスターユーザがログインする ········································································· 6
マスターユーザの承認用パスワードを設定する ···················································· 7
マスターユーザの取引権限を設定する ································································ 8

3

複数名で利用できるようにする（一般ユーザの作成） ··········································· 11
新しく一般ユーザを作成する ··········································································· 11
一般ユーザを最新の状態にする ········································································ 13
一般ユーザの取引権限を設定する ····································································· 14

4

一般ユーザが利用できるようにする（一般ユーザの初期設定） ······························· 18
事前準備 ······································································································ 18
一般ユーザがログインする ·············································································· 18
一般ユーザの承認用パスワードを設定する ························································· 19

5ログアウト····································································································· 21

初期設定編（電子証明書方式／ID 共用化） ······························································· 11

事前準備（Microsoft Edge の設定）······································································ 2「インターネットのプロパティ」画面を表示する ················································· 2
Cookie（クッキー）を設定する ········································································· 3
信頼済みサイトを登録する ··············································································· 4
インターネットオプションの詳細を設定する ······················································· 52システムを利用できるようにする（マスターユーザの初期設定） ······························ 7
マスターユーザがログインする ········································································· 7

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マスターユーザの承認用パスワードを設定する ···················································· 9
マスターユーザの取引権限を設定する ······························································· 10

3複数名で利用できるようにする（一般ユーザの作成） ··········································· 13
新しく一般ユーザを作成する ··········································································· 13
一般ユーザを最新の状態にする ········································································ 15
一般ユーザの取引権限を設定する ····································································· 164

一般ユーザが利用できるようにする（一般ユーザの初期設定） ······························· 20
事前準備 ······································································································ 20
一般ユーザがログインする ·············································································· 20
一般ユーザの承認用パスワードを設定する ························································· 22

5ログアウト····································································································· 24

基本取引編 ········································································································· 1
1「でんさい」による基本取引の概要 ····································································· 2「でんさい」を発生させる場合の取引イメージ ···················································· 2「でんさい」を譲渡する場合の取引のイメージ ···················································· 3「でんさい」の振出日、支払期日、譲渡日の説明 ················································· 4vi

2

債務者の基本取引－「でんさい」を発生させる ······················································ 63

債権者の基本取引①－「でんさい」を受け取る ···················································· 18

4

債権者の基本取引②－受け取った「でんさい」を譲渡する ····································· 22

5「でんさい」を確認する ·················································································· 34

6こんなときには ······························································································ 37

SD-2.1