EDIサポーター・中小企業共通EDI・ZEDI（全銀EDI）実践ガイド FAX・多画面EDIの打ち直しと月末の入金消込をなくす、商流・金流一貫連携の設計図

<NtryDtls>
  <TxDtls>
    <Refs>
      <AcctSvcrRef>ZEDI-20261030-0098124</AcctSvcrRef>
      <EndToEndId>E2E-ORD-2026-081-992</EndToEndId>
    </Refs>
    <Amt Ccy="JPY">1479450</Amt>
    <CdtDbtInd>CRDT</CdtDbtInd>
    <RmtInf>
      <!-- 1件目の請求書（INV-2026-0912：980,000円） -->
      <Strd>
        <RfrdDocInf>
          <Tp><CdOrPrtry><Cd>CINV</Cd></CdOrPrtry></Tp>
          <Nb>INV-2026-0912</Nb>
          <RltdDt>2026-09-30</RltdDt>
        </RfrdDocInf>
        <RfrdDocAmt>
          <DuePyblAmt Ccy="JPY">980000</DuePyblAmt>
          <RmtdAmt Ccy="JPY">980000</RmtdAmt>
        </RfrdDocAmt>
      </Strd>
      <!-- 2件目の請求書（INV-2026-0945：500,000円、振込手数料550円調整） -->
      <Strd>
        <RfrdDocInf>
          <Tp><CdOrPrtry><Cd>CINV</Cd></CdOrPrtry></Tp>
          <Nb>INV-2026-0945</Nb>
          <RltdDt>2026-09-30</RltdDt>
        </RfrdDocInf>
        <RfrdDocAmt>
          <DuePyblAmt Ccy="JPY">500000</DuePyblAmt>
          <AdjstmntAmtAndRsn>
            <Amt Ccy="JPY">550</Amt>
            <CdtDbtInd>DBIT</CdtDbtInd>
            <Rsn>FEE</Rsn>
          </AdjstmntAmtAndRsn>
          <RmtdAmt Ccy="JPY">499450</RmtdAmt>
        </RfrdDocAmt>
      </Strd>
    </RmtInf>
  </TxDtls>
</NtryDtls>

#![forbid(unsafe_code)]

#[derive(Debug, Clone, PartialEq, Eq)]
pub struct OpenReceivable {
    pub invoice_no: String,
    pub order_no: String,
    pub acceptance_date_epoch_days: u32,
    pub billed_yen: i64,
    pub registered_account_hash: [u8; 32],
}

#[derive(Debug, Clone, PartialEq, Eq)]
pub struct ZediStructuredItem {
    pub referred_invoice_no: String,
    pub due_payable_yen: i64,
    pub fee_adjustment_yen: i64,
    pub remitted_yen: i64,
}

#[derive(Debug, Clone, PartialEq, Eq)]
pub enum ReconciliationVerdict {
    ExactZediMatch {
        matched_invoices: Vec<String>,
        total_billed_yen: i64,
        bank_fee_yen: i64,
        net_settled_yen: i64,
    },
    BlockedByBecAccountMismatch {
        invoice_no: String,
    },
    BlockedBySubcontractAct60DayLimit {
        invoice_no: String,
        elapsed_days: u32,
    },
    UnreconciledResidual {
        residual_yen: i64,
    },
}

/// ZEDI XML明細と売掛金台帳を突合し、1円単位の貸借一致と法令・BEC防壁を検証する
pub fn verify_zedi_settlement(
    receivables: &[OpenReceivable],
    zedi_items: &[ZediStructuredItem],
    actual_bank_credit_yen: i64,
    settlement_date_epoch_days: u32,
    presented_account_hash: &[u8; 32],
) -> ReconciliationVerdict {
    let mut matched_ids = Vec::with_capacity(zedi_items.len());
    let mut sum_billed: i64 = 0;
    let mut sum_fee: i64 = 0;
    let mut sum_remitted: i64 = 0;

    for item in zedi_items {
        let Some(rec) = receivables
            .iter()
            .find(|r| r.invoice_no == item.referred_invoice_no)
        else {
            return ReconciliationVerdict::UnreconciledResidual {
                residual_yen: actual_bank_credit_yen,
            };
        };

        // 1. BEC（偽装請求書による振込先口座書き換え詐欺）の暗号学的ロック検証
        if &rec.registered_account_hash != presented_account_hash {
            return ReconciliationVerdict::BlockedByBecAccountMismatch {
                invoice_no: rec.invoice_no.clone(),
            };
        }

        // 2. 2026年改正下請法（取適法）受領後60日以内支払ルールの検証
        let elapsed_days = settlement_date_epoch_days.saturating_sub(rec.acceptance_date_epoch_days);
        if elapsed_days > 60 {
            return ReconciliationVerdict::BlockedBySubcontractAct60DayLimit {
                invoice_no: rec.invoice_no.clone(),
                elapsed_days,
            };
        }

        // 3. 明細単位の金額不変条件（請求額 - 調整手数料 == 送金額）
        if rec.billed_yen != item.due_payable_yen
            || (item.due_payable_yen - item.fee_adjustment_yen) != item.remitted_yen
        {
            return ReconciliationVerdict::UnreconciledResidual {
                residual_yen: actual_bank_credit_yen - sum_remitted,
            };
        }

        matched_ids.push(rec.invoice_no.clone());
        sum_billed = sum_billed.saturating_add(rec.billed_yen);
        sum_fee = sum_fee.saturating_add(item.fee_adjustment_yen);
        sum_remitted = sum_remitted.saturating_add(item.remitted_yen);
    }

    // 4. 着金総額と明細合計の完全一致（複式簿記の貸借一致保証）
    if sum_remitted == actual_bank_credit_yen && (sum_billed - sum_fee) == actual_bank_credit_yen {
        ReconciliationVerdict::ExactZediMatch {
            matched_invoices: matched_ids,
            total_billed_yen: sum_billed,
            bank_fee_yen: sum_fee,
            net_settled_yen: actual_bank_credit_yen,
        }
    } else {
        ReconciliationVerdict::UnreconciledResidual {
            residual_yen: actual_bank_credit_yen - sum_remitted,
        }
    }
}

CREATE TABLE IF NOT EXISTS common_edi_zedi_settlements (
    settlement_id      UUID PRIMARY KEY DEFAULT uuidv7(),
    tenant_id          UUID NOT NULL,
    acct_svcr_ref      TEXT NOT NULL, -- 銀行ZEDI一意参照番号
    end_to_end_id      TEXT NOT NULL, -- 共通EDI注文・請求リレーID
    settled_yen        BIGINT NOT NULL CHECK (settled_yen >= 0),
    bank_fee_yen       BIGINT NOT NULL DEFAULT 0 CHECK (bank_fee_yen >= 0),
    remittance_jsonb   JSONB NOT NULL,
    settled_at         TIMESTAMPTZ NOT NULL DEFAULT clock_timestamp(),
    UNIQUE (tenant_id, acct_svcr_ref)
);

ALTER TABLE common_edi_zedi_settlements ENABLE ROW LEVEL SECURITY;
ALTER TABLE common_edi_zedi_settlements FORCE ROW LEVEL SECURITY;

CREATE POLICY tenant_isolation_zedi_policy ON common_edi_zedi_settlements
    USING (tenant_id = (SELECT sovereign_auth.current_tenant_id()));

-- PostgreSQL 19 INSERT ... ON CONFLICT DO SELECT によるゼロWAL冪等取得
INSERT INTO common_edi_zedi_settlements (
    tenant_id, acct_svcr_ref, end_to_end_id, settled_yen, bank_fee_yen, remittance_jsonb
) VALUES (
    (SELECT sovereign_auth.current_tenant_id()),
    'ZEDI-20261030-0098124',
    'E2E-ORD-2026-081-992',
    1479450,
    550,
    '{"invoices":["INV-2026-0912","INV-2026-0945"]}'::jsonb
)
ON CONFLICT (tenant_id, acct_svcr_ref) DO SELECT
RETURNING settlement_id, acct_svcr_ref, settled_yen, bank_fee_yen, settled_at;