JP2002140505A - System and method for supporting dealings and computer- readable recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make it easy to judge a risk of credit dealings between a buyer and a seller. SOLUTION: This system is provided with a credit information database 210 which stores credit information regarding the degrees of credit of multiple buyers, a credit information acquisition part 440 which obtains credit information on a buyer who desires to buy an object of dealings from the credit information database, a dealings condition acquisition part 420 which obtains at least one of a desired selling price and a desired buying price of the object, and a difference calculation part 500 which calculates the difference between the selling price and buying price according to the desired price that the dealings condition acquisition part 440 and the credit information that the credit information acquisition part 440 obtains. The difference is added to calculate a selling price.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a transaction support system, a transaction support method, and a computer-readable recording medium. In particular, the present invention relates to a transaction support system, a transaction support method, and a computer-readable recording medium capable of expanding a margin transaction.

[0002]

2. Description of the Related Art A margin transaction, which is one mode of a transaction form, is performed when both a sales applicant who wants to sell a transaction object such as a product or a service and a purchase applicant who wants to purchase the transaction object agree. This is always done and has the advantage of widening the range of transactions.

[0003]

Margin trading also has the risk of defaulting the settlement. For this reason, the parties have to make a decision each time whether or not to conduct margin trading in view of risk. In other words, the purchaser needs to objectively judge how much the margin transaction amount he can withstand, which is difficult. Sales applicants need to make sales decisions based on the trust of those who wish to purchase their own business objects. Here, it was difficult for a person on the border of whether or not to make a transaction to make a transaction, and it was difficult to quickly make a decision on the transaction.

Accordingly, an object of the present invention is to provide a transaction support system, a transaction support method, and a computer-readable recording medium that can solve the above-mentioned problems. This object is achieved by a combination of features described in the independent claims. The dependent claims define further advantageous embodiments of the present invention.

[0005]

According to a first aspect of the present invention, there is provided a transaction support system for receiving a transaction target purchase price from a purchaser after the transaction target sale price is paid to the seller. A credit information database that stores credit information related to the creditworthiness of the purchaser, a credit information acquisition unit that obtains the credit information of the purchaser who wishes to purchase the transaction target from the credit information database, a desired sales amount and purchase of the transaction target A transaction condition acquisition unit for acquiring at least one of the desired amounts, and a difference between the sales price and the purchase price is calculated based on the at least one desired amount acquired by the transaction condition acquisition unit and the credit information acquired by the credit information acquisition unit. A transaction support system comprising:

[0006] In the above transaction support system, the credit information includes at least an interest rate and a credit period permitted to the purchaser as a period from delivery of the transaction object to payment of the purchase price. The relationship between the credit factor information that affects the credit rating, the interest rate and the credit period is defined, and the credit information acquisition unit acquires the credit factor information of the purchaser and obtains the credit factor information from the credit information database based on the credit factor information. The interest rate and the allowable time given to the purchaser may be acquired, and the difference calculator may calculate the difference using the interest rate, credit period, and / or at least one desired amount of the purchaser. In this case, there is further provided a desired credit period acquisition unit for acquiring a desired credit period desired by the purchase applicant as a credit period from the purchase applicant, and the difference calculation unit includes:
When the desired credit period is shorter than the credit period, the difference may be calculated using the desired credit period. The credit information may further include an arousing information output unit that outputs arousing information that prompts a purchaser whose credit information is not stored in the credit information database to be notified of the credit factor information. A credit factor information verification unit that verifies the credit factor information by comparing the credit factor information acquired from the purchaser with the credit factor information managed externally may further be provided. Further, the credit information database further stores a credit line balance which is a balance of a transaction line permitted to the purchaser, and further judges that the purchase is impossible when the purchase price is higher than the transaction line balance of the applicant. And a notifying unit for notifying the purchase applicant of whether or not to make a transaction by prepayment when the purchase judgment unit judges that the purchase is not possible. The system may further include a transaction history database storing a purchaser's transaction history, and a reminder information output unit that urges confirmation of credit information in the credit information database when the transaction history satisfies a predetermined condition. The system may further include a transaction history database that stores a purchaser's transaction history, and the difference calculation unit may correct and use the credit information in the credit information database when the transaction history satisfies a predetermined condition. A notification unit may be further provided for notifying the purchase applicant or the sale applicant of the purchase price or the sales price reflecting the difference before the transaction is completed.

According to a second aspect of the present invention, in a transaction support method for receiving a purchase price of a transaction target from a purchaser after paying a sales price of the transaction target to a seller, credit information on the credit levels of a plurality of purchasers is provided. And calculate the estimated purchase price based on the credit information of the purchaser who has requested the purchase of the transaction target and at least one of the desired sales amount and the desired purchase amount of the transaction target, and purchase the transaction before closing the transaction. A transaction support method is provided in which a purchase amount is notified to a purchase candidate.

[0008] In the above transaction support method, further, a credit line balance, which is a balance of a transaction line permitted to the purchaser, is managed,
When the purchase price is higher than the transaction frame balance of the purchase applicant, a notification may be sent to the purchase applicant to confirm whether or not to make a transaction by advance payment.

A third aspect of the present invention is a recording medium storing a computer readable program, the program comprising: a storage unit for storing credit information on the credit of a plurality of purchasers in a credit information database; A credit information acquisition unit for acquiring from a credit information database credit information of a purchaser who wishes to purchase a transaction object; and a transaction condition acquisition for acquiring the credit information and at least one of a desired sale amount and a desired purchase amount of the transaction object. And a difference calculation unit for calculating a difference between the sales price and the purchase price based on at least one of the desired amount and the credit information obtained by the transaction condition obtaining unit. A simple recording medium is provided.

The above summary of the present invention does not list all of the necessary features of the present invention, and a sub-combination of these features may also be an invention.

[0011]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described through embodiments of the present invention. However, the following embodiments do not limit the claimed invention and have the features described in the embodiments. Not all combinations are essential to the solution of the invention.

FIG. 1 shows a schematic configuration of a transaction support system 200 according to an embodiment of the present invention. The transaction support system 200 includes a credit information database 210, a correction amount definition database 280, a transaction history database 300, and a transaction target database 320 as databases, and a transaction condition acquisition unit 420, a score calculation unit 430, and a credit information acquisition as functional units. Unit 440, arousal information output unit 46
0, desired credit period acquisition unit 480, difference calculation unit 500, estimated amount calculation unit 520, purchase availability determination unit 540, notification unit 5
60, a credit factor information verification unit 580, and a data correction unit 600. The transaction support system 200 is a system that connects to a plurality of customer terminals 900 and the information server 1000 via the Internet network 800 and supports credit transactions between the customer terminals 900. Transaction support system 200
Has a settlement unit (not shown), and by using this settlement unit, after paying the sales price of the transaction target to the seller, receives the purchase price of the transaction target from the purchaser. The transaction target here includes both goods and services. The credit information database 210 includes, for example, a customer database 220, a credit database 240, and a condition setting database 260 as shown in FIG. Information server 1
000 has an external database 1020 that stores various information of a plurality of persons (including corporations) that can be users of the transaction support system 200.

FIG. 2 shows an example of the configuration of the customer database 220. In this example, the customer database 220 stores credit factor information that changes the degree of credit of registered customers. When the customer is a corporation, as illustrated in FIG. 2, the customer database 220 includes fields such as a customer name, an equity ratio, a current ratio, a current capital, a current liability, and a sales amount. If the customer is an individual, the customer database 220 is not shown, but the customer name, age, annual income, occupation,
And fields such as workplace.

FIG. 3 shows an example of the configuration of the credit database 240. In this example, the credit database 240 stores customer credit information. Here, the credit information includes information indicating the degree of credit and credit conditions. As shown in FIG. 3, for example, the credit database 240 includes fields such as a customer name, a rating, a rating, a credit period, a credit limit, and a credit limit balance. The rating field stores a rating that indicates the high creditworthiness of the customer. The full score is, for example, 100 points. The rating field stores the credit rank, which is the rank of the customer's credit. The credit period field stores the maximum value of the delivery deadline of the transaction price given to the customer. The credit line field stores a credit line, which is the maximum amount of a credit transaction given to a customer. The credit line balance field stores a credit line balance that is the difference between the amount of the credit transaction currently performed by the customer and the credit line.

FIG. 4 shows an example of the configuration of the condition setting database 260. In this example, the condition setting database 26
0 includes fields for rating, rating, interest rate, credit period, and credit line, and defines the relationship between the rating and the rating, interest rate, credit period, and credit line. That is, by using the condition setting database 260, an interest rate, a credit period, and a credit limit given to a customer can be easily and accurately acquired based on a rating or a rating. Here, for example, when the customer is a corporation, the credit line may be set as a ratio (%) to the sales as shown in the example of FIG. Either the score or the rating is used with priority. When the official discount rate or the risk premium changes, a new interest rate can be set in all transactions simply by updating the condition setting database 260.

FIG. 5 shows an example of the configuration of the correction amount definition database 280. In this example, the correction amount definition database 280 has fields of transaction results, interest rate discount amount, and credit period extension amount. The transaction record field stores the number of transactions with no delay in payment. That is, the correction amount definition database 280 defines the relationship between the transaction results such as the number of transactions with no delay in payment and the correction amounts of the credit information such as the interest rate discount amount and the credit period extension amount.

FIG. 6 shows an example of the configuration of the transaction history database 300. In this example, the transaction history database 30
0 has a table for each customer, and each table includes fields for transaction No., processing category, scheduled amount, interest rate, credit period, and payment delay. The transaction No. field stores the management number assigned to each transaction. The processing category field stores data indicating the progress of the transaction. More specifically, in the processing section field, for example, if the transaction is a purchase, data such as a tentative bid, a successful bid, purchase confirmation, and payment received are stored.If the transaction is a sale, sales registration and bidding are available.
Data such as temporary sales, sales confirmation, and transfer completed are stored. The planned amount field stores the planned amount of each transaction (planned purchase amount or planned sales amount). The interest rate field stores the interest rate for each transaction. The credit period field stores, for each transaction, a credit period allowed to the purchaser as a period from delivery of the transaction object to payment of the purchase price.
The payment delay field stores the presence or absence of a payment delay.

FIG. 7 shows an example of the configuration of the transaction object database 320. In this example, the transaction target database 3
Reference numeral 20 includes a sales request table and a purchase request table. The sales desire table includes fields of a trade object name, a quantity, and a desired sale price. Each field stores the category of the transaction object for which a sales request has been issued, its quantity, and the desired sales price. The purchase desire table includes fields for the transaction target name, quantity, and purchase desire. Each field stores the category of the transaction object for which the purchase request has been issued, the quantity thereof, and the desired purchase price.

Returning to FIG. Transaction condition acquisition unit 420
Acquires the transaction conditions such as the customer name, the sales target, the purchase target classification, the quantity and the desired price transmitted from the customer terminal 900. The information acquired here includes not only the information on the reception of a new sales target or a purchase target, but also the transaction conditions stored in the transaction target database 320 in the case of responding to the transaction request. If the acquired transaction condition is the former, the transaction condition acquisition unit 420 stores the acquired transaction condition in the transaction target database 320. If the acquired transaction condition is the latter, the transaction condition acquisition unit 420 outputs the customer name, the purchase target, and the desired amount to the difference calculation unit 500 and the estimated amount calculation unit 520. Further, when the acquired transaction condition is the latter and the transaction is established, the transaction condition acquisition unit 420 gives the acquired transaction condition a transaction number and stores it in the transaction history database 300.

The score calculation section 430 is provided in the customer database 2
A score is calculated using the data in 20 and transmitted to the credit information acquisition unit 440. Here, the score calculation unit 430 may store the calculated score in the credit database 240. An example of a score calculation method performed by the score calculation unit 430 will be described with reference to FIGS. 8 and 9. This example is a score calculation method when the customer is a company.

FIG. 8 is an example of a statistical graph in which the current ratio of a bankrupt company and a non-bankrupt company is plotted against the equity ratio. Here, the quick ratio = current capital / current liabilities. By plotting as shown in FIG. 8, there is a tendency in the distribution of bankrupt firms and non-bankrupt firms. Based on this tendency, the following processing is performed to define a Z value that is an index of the probability of a company going bankrupt. First, the N number of one of the bankrupt company and the non-bankrupt company is adjusted so that both N numbers are the same. In this adjustment, the number of N's is large (usually a non-bankrupt company), or the number of N's is small (usually bankruptcy companies). Is performed by treating Next, a point where the distribution density of bankrupt companies and the distribution density of non-bankrupt companies are the same is set as the origin, and a straight line 432 passing through the origin is drawn. Here, the straight line 432 is set so that the average length of the vertical line from the plot of the non-bankrupt company is the same as the average length of the vertical line from the plot of the bankrupt company. Then, the distance from the straight line 432, that is, the length of the perpendicular drawn from the plot point to the straight line 432 is determined as the Z value of the company.

FIG. 9 is a diagram used for calculating the bankruptcy probability from the Z value obtained from FIG. 8, and is created by the following procedure. First, a dispersion curve of a bankrupt company and a dispersion curve of a non-bankrupt company obtained from FIG. 7 are drawn. Here, the horizontal axis indicates the Z value, and the vertical axis indicates the number N of companies. The dispersion curve of non-bankrupt companies is Z
= 1, and the dispersion curve of the bankrupt company peaks at Z = −1. Then, one of the dispersion curves is set so that the ratio of the integral value of the dispersion curve of the bankrupt company to the integral value of the dispersion curve of the non-bankrupt company becomes equal to the ratio of the N number of the actual bankrupt company to the non-bankrupt company. FIG. 8 is created by performing a similar transformation (for example, multiplying the dispersion curve for a non-bankrupt company by [(1-bankruptcy ratio) / bankruptcy ratio] times the dispersion curve for a bankrupt business).

Then, the score calculating section 430 finds the Z value of the company as a customer by applying the current ratio and the capital ratio of the company as a customer to FIG. 8, and applies this Z value to FIG. Calculate the bankruptcy probability. From this bankruptcy probability,
Calculate the company score.

Returning to FIG. Credit information acquisition unit 440
Acquires from outside the credit factor information that affects the credit of the customer and stores it in the customer database 220. Here, the credit factor information is the capital ratio, the quick ratio, and the like when the customer is a corporation, and the age, annual income, occupation, and work place when the customer is an individual. Further, the credit information acquisition unit 440 acquires from the condition setting database 260 the credit condition corresponding to the score transmitted from the score calculation unit 430, sets the credit condition for the customer, and stores the credit condition in the credit database 240. I do. The credit conditions set here are, for example, an interest rate, a credit period, and a credit limit.

The arousing information output unit 460 outputs to the notifying unit 560, together with the customer name, the arousing information for inviting a customer whose credit information is not stored in the credit database 240, for example, a new customer to be notified of the credit factor information. Further, the arousal information output unit 460 determines whether the transaction history stored in the transaction history database 300 satisfies a predetermined condition, specifically, for example, when the number of payment delays of the customer exceeds a certain number, Is output to a printing device (not shown) or the customer terminal 900 together with the customer name to urge the user to confirm the information in the credit information database 210.

The desired credit period obtaining unit 480 obtains the delivery deadline desired by the customer and outputs it to the difference calculating unit 500.
More specifically, the desired credit period acquisition unit 480 displays, for example, an input field for prompting the input of the desired credit period on the customer terminal 900, and receives the desired credit period input in this input field from the customer terminal 900. And a desired credit period from an input device such as a keyboard.

The balance calculating section 500 includes a transaction condition obtaining section 42.
When the customer name, the purchase target and the desired amount are received from 0, and the desired credit period is received from the desired credit period acquisition unit 480, the rating of the received customer name is stored in the credit database 240.
, And the interest rate and credit period given to the customer of this rating are acquired from the condition setting database 260.
In addition, the difference calculation unit 500 stores the transaction history database 300
, The number of transactions without delay of payment of the customer is obtained, and the number of transactions is referred to the correction amount definition database 280 to obtain the correction amount of the credit condition of the customer, for example, the interest rate discount amount and the credit period extension amount. Then, the difference calculator 500 includes the credit database 240 and the condition setting database 260
Is used to acquire the credit condition of the customer, and is corrected by the correction amount by the correction amount definition database 280. Then, the difference calculating unit 500 calculates the interest rate, that is, the difference between the desired amount and the planned sales amount, from the corrected interest rate, the credit period, and the desired amount. Output to At this time, if the desired credit period is shorter than the credit period obtained using the credit database 240 and the condition setting database 260, the difference calculator 500 calculates the interest rate using the desired credit period.

When the estimated amount calculating section 520 receives the customer name, the desired purchase object and the desired amount from the transaction condition acquiring section 420 and receives the difference and the desired amount of purchase from the difference calculating section 500, the estimated amount is converted into the desired amount. Calculate the estimated amount by reflecting it. Here, the planned price includes both the planned sales price and the planned purchase price. That is, the estimated purchase price is calculated by adding the difference to the desired purchase price. Also,
When a customer who is a sales applicant requests immediate payment, the difference is subtracted from the desired sales amount to calculate the planned sales amount. If the calculated amount is the estimated purchase amount, the estimated amount calculation unit 520 outputs the customer name and the estimated purchase amount to the purchase availability determination unit 540. If the calculated amount is the planned sales amount, the planned amount calculation unit 520 outputs the customer name and the planned sales amount to the transaction history database 300 and stores them as provisional sales, and notifies the customer name and the planned sales amount to the notification unit 560. Output to In addition, the estimated amount calculation unit 52
If the customer wants to make a transaction by prepayment (escrow), 0 is calculated by adding the prepayment commission to the desired purchase amount to calculate the planned purchase amount.

Upon receiving the customer name and the planned purchase price from the planned price calculation unit 520, the purchase availability determination unit 540 acquires the credit balance of the customer from the credit database 240,
Compare with the estimated purchase price. If the planned purchase price is larger than the credit balance, the purchase possibility determination unit 540 determines that purchase is not possible and outputs a purchase disable signal to the notification unit 560. If the planned purchase amount is within the credit balance, the purchase possibility determination unit 540 determines that the purchase is possible, and stores the planned purchase amount in the transaction history database 3.
00 and store it as a tentative bid, update the credit balance by subtracting the planned purchase amount from the credit balance, and output the updated credit balance to the credit database 240 for storage. Then, purchase availability determination section 540 outputs the customer name and the provisional bid signal to notification section 560.

The notification unit 560 outputs the arousing information to the customer when receiving the customer name and the arousing information from the arousing information output unit 460, and outputs the arousing information to the customer when receiving the customer name and the expected selling price from the estimated amount calculating unit 520. When a customer name and a purchase non-permission signal / provisional bid signal are received from the purchase permission / non-permission judgment unit 540, a notice of purchase prohibition or provisional bidding is output to the customer. More specifically, the notification unit 560 transmits information to the corresponding customer terminal 900 by e-mail or the like, or outputs information to a printing device or the like.

The credit factor information verification unit 580 outputs the credit factor information to the external database 102 in the information server 100.
0, and verifies the credit factor information in the customer database 220.

The data correction unit 600 acquires a correction value of information in the credit database 240 from the outside via an input device such as a keyboard.

FIG. 10 is an example of a hardware configuration diagram of the transaction support device 200. In this example, the transaction support device 200 includes a CPU (central processing unit) 110
2. ROM (read only memory) 1104, RAM (ran
dom access memory) 1106, communication I / F (interface) 1108, display 1110, input device 1
112, hard disk drive 1114, FD (floppy d
isk) drive 1116 and a CD-ROM (compact d
isk ROM) drive 1118.

The CPU 1102 has a ROM 1104 and an R
Processing is performed based on the program stored in AM1106. The communication I / F 1108 is connected to the Internet network 800
Mediates the exchange of data between Display 1
110 displays various information. The input device 1112 is
The settings and the like for the transaction support device 200 are input. The FD drive 1116 stores the floppy (registered trademark) disk 1
CPU 120 reads data or a program from
Hand over to 102. The CD-ROM drive 1118 is a CD-ROM drive.
Reading data or a program from the ROM 1122 and passing it to the CPU 1102; The hard disk 1114 is
FD drive 1116 or CD-ROM drive 111
8 or the data or program read by
U1102 stores the data created by executing the program, reads the stored data or program, and transfers it to CPU 1102.

In this example, a CD-R having a program for configuring each functional unit of the transaction support apparatus 200 described above.
The program is read from the OM 1122 and installed on the hard disk 1114, and the program is read from the hard disk 1114 and
The above functions are realized by the execution of 102. More specifically, the program described above includes a transaction condition acquisition unit and a score calculation unit 4 for realizing the transaction condition acquisition unit 420.
Score calculation unit and credit information acquisition unit 44 for realizing 30
Credit condition acquisition unit and arousal information output unit 4 for realizing zero
60, a desired credit period obtaining unit 480 for realizing the desired credit period obtaining unit 480, a difference calculating unit for realizing the difference calculating unit 500, and a scheduled amount calculating unit 520 are realized. Scheduled amount calculating unit, a purchase availability determination unit for realizing the purchase availability determination unit 540, a notification unit for realizing the notification unit 560, and a credit factor information verification unit for realizing the credit factor information verification unit 580. , And a data correction unit for realizing the data correction unit 600. Also, the above-mentioned program is a CD
-Floppy disk 1120 instead of ROM 1122
Alternatively, the program may be stored in another recording medium.

FIGS. 11, 12, 13, and 14 are flowcharts of an example of a transaction via the transaction support device 200. This example is an example of a flowchart when a customer purchases a transaction target.

First, as shown in FIG.
0 requests a transaction (S20), the transaction support system 2
00 transmits data to the customer terminal 900 (S40) and causes the customer terminal 900 to display a login screen (S60).
The customer inputs data according to the login screen (S8).
0), and transmits the input data to the transaction support device 200 (S100). The transaction support device 200 calculates
It is determined whether the customer has been registered in the customer database 220 (S120). If it is determined that the customer is not registered in the customer database 220, the process proceeds to FIG. 12, and if it is determined that the customer is already registered in the customer database 220, the process proceeds to FIG.

In FIG. 12, transaction support apparatus 200 transmits predetermined data to customer terminal 900 (S140),
The registration screen is displayed on the customer terminal 900 (S160).
Here, the customer inputs his / her credit factor information according to the registration screen (S180) and transmits it to the transaction support system 200 (S200). Upon receiving the credit factor information, the transaction support system 200 stores the credit factor information in the customer database 220 (S220), and then accesses the external database 1020 of the information server 1000 using the credit factor information verification unit 580 to confirm the credit factor information ( S240). If the credit factor information is inconsistent with the external database 1020, the process returns to S160. If there is no inconsistency, the score is calculated using the score calculation unit 430 (S260), the rating setting and the credit condition are obtained using the credit information obtaining unit 440 (S280), and stored in the credit database 240 (S260).
300). Then, the transaction support system 200 transmits the data (S320), causes the customer terminal 900 to display registration completion (S340), and causes the customer to display a screen for confirming whether to continue the transaction (S360). The transaction support system 200 proceeds to FIG. 13 when the customer wants to continue the transaction, and ends the operation when the customer desires to end the transaction.

Referring to FIG. 13, a transaction support system 200
Transmits data (S380), and displays a transaction screen on the customer terminal 900 (S400). The customer's name, the desire to purchase a given transaction target, the classification of the purchase request,
The transaction conditions such as the quantity and the desired amount and the desired credit period are input to the customer terminal 900 (S420), and the transaction support system 2
00 (S440), the transaction support system 20
0 is the transaction condition acquisition unit 420 and the desired credit period acquisition unit 48
0 to obtain the transaction conditions and the desired credit period (S46).
0). Then, the transaction support system 200 acquires the customer's rating and credit period from the credit information database 210 by using the difference calculator 500 (S460), and determines whether the desired credit period is shorter than the credit period (S48).
0).

If it is determined in step S480 that the desired credit period is longer, the transaction support system 200 transmits data (S500), causes the customer terminal 900 to display an error (S520), and determines whether to continue the transaction. Confirm with the customer (S540). If the customer wants to end the transaction, the operation is terminated, and if the customer wants to continue the transaction, the customer confirms whether to conduct the transaction with advance payment (S560). If the customer wants to make a prepayment, the process proceeds to FIG. 14, and if the customer does not want to make a prepayment, the transaction screen is displayed again (S400).

In FIG. 14, when the customer terminal 900 transmits that the transaction is to be made in advance (S900), the transaction support system 200 calculates the planned purchase price by adding the prepaid commission to the purchase price (S920). ), Customer terminal 90
0 (S940). Then, the customer terminal 900 displays the estimated purchase price at the time of prepayment (S960), and prompts the customer to confirm whether to confirm the transaction (S980). Customer terminal 90
0, the data is transmitted to the transaction support system 200 when the customer wants to confirm the transaction (S1000). Then, the transaction support system 200 receives the transaction (S102).
0), when the seller to be traded wants to close the trade (S1)
040) finalizes the transaction (S1060), stores the transaction history in the transaction history database 300 (S1080).
End the operation. If the seller to be transacted does not want to conclude the transaction (S1040), the transaction is determined to be unsuccessful and the operation ends. If the customer does not want to confirm the transaction in S980, the transaction support system 200 ends the operation.

Referring back to FIG. 13, the above-mentioned step S480 is performed.
If the desired credit period is shorter, the transaction support system 2
00 obtains the interest rate given to the customer from the credit information database 210 using the difference calculation unit 500 (S6).
00) The interest rate is calculated (S620), and the estimated amount calculation unit 5
20 to calculate the planned purchase price to which the interest rate has been added (S640). Then, the transaction support system 200 acquires the credit line balance from the credit information database 210 by using the purchase permission / non-permission judgment unit 540 (S660), and determines whether the calculated planned purchase amount falls within the credit line balance (S680).
If it fits, the planned purchase price is transmitted to the customer terminal 900 (S700), and if it does not fit, data is transmitted (S720), and the process proceeds to step S520 and above.

Upon receiving the planned purchase price, the customer terminal 900 displays the planned purchase price (S740), and prompts the customer to confirm whether the transaction is to be confirmed (S760). The customer terminal 900
If the customer wishes to confirm the transaction, the transaction support system 20
Data transmission is performed to 0 (S780). Then, the transaction support system 200 accepts the transaction (S800), and when the seller of the transaction desires to complete the transaction (S820), finalizes the transaction (S840) and stores the transaction history in the transaction history database 300 (S860). ) End the operation. Further, when the seller to be transacted does not want to complete the transaction (S8)
In step 20), the transaction is not established and the operation ends.

If the customer does not want to confirm the transaction in step S760 described above, it is confirmed whether or not to continue the transaction (S7).
65). Here, if the customer desires to continue the transaction, the transaction screen is displayed again (S400), and if the customer desires to end the transaction, the operation is terminated.

Therefore, by using the transaction support system 200, the customer who wishes to purchase can easily and objectively recognize the purchase amount of the transaction target in the credit transaction and the risk borne by the customer through the credit line balance. In particular, since the estimated purchase price including the interest rate can be confirmed before the transaction is confirmed, it is possible to conduct the transaction after recognizing the risk borne by the user.

FIG. 15 is a flowchart of another example of the transaction via the transaction support device 200. This example is an example of a flowchart when a customer sells a transaction target. In this example, the flow up to the login is omitted, and the flow after the transaction screen display (S1120) will be described.

In FIG. 15, the customer terminal 900 displays a transaction screen (S1120), and inputs the customer name, the fact that he / she wants to sell, and the transaction conditions such as the transaction object, the quantity and the desired amount to the customer terminal 900. (S1140), and transmits it to the transaction support system 200 (S1160).

The transaction support system 200 stores the received transaction conditions in the transaction target database 320 (S118).
0). Then, when a purchase applicant appears (S1200), the purchase conditions (purchase amount, credit period, etc.) presented by the purchase applicant are transmitted to the customer terminal 900 (S122).
0). The customer terminal 900 displays the received purchase condition (S
1240), it is confirmed whether the customer who wants to sell wants a transaction (S1260). If a customer wants to do business,
The customer terminal 900 confirms with the customer whether payment is advanced from the presented credit period (S1280). When the customer wants to advance payment, the customer terminal 900 transmits the fact to the transaction support system 200.

The transaction support system 200 includes a client terminal 90
When a signal indicating that the customer wants to move forward is received from 0, an interest rate for the advance is calculated from the advance period, the interest rate given to the purchaser, and the purchase amount (S1320), and the interest rate is calculated from the purchase amount. The sales amount is calculated by subtracting the sales amount (S1340), and the sales amount is transmitted to the customer terminal 900 (S1360).

Upon receiving the sales amount, the customer terminal 900 displays the sales amount (S1380), and confirms with the customer whether or not to confirm the transaction (S1400). When the customer wants to confirm the transaction, the customer terminal 900 transmits the fact to the transaction support system 200 (S1420). When receiving a signal indicating that transaction confirmation is desired from the customer terminal 900, the transaction support system 200 finalizes the transaction (S1440), stores the transaction history in the transaction history database 300 (S1).
460) End the operation.

Therefore, by using the transaction support system 200, the customer who wants to sell can easily recognize the sales price when the payment is made earlier than the credit period given to the purchaser. Therefore, the range of transactions increases. In addition, the decision-making of the transaction is increased, so that the decision can be made more quickly.

Although the present invention has been described with reference to the embodiment, the technical scope of the present invention is not limited to the scope described in the above embodiment. Various changes or improvements can be added to the above embodiment. It should be noted that such modified or improved embodiments may be included in the technical scope of the present invention.
It is clear from the description of the claims. For example, when the present invention is applied to a transaction using a credit card, when the payment is postponed by an installment payment or the like, it is possible to notify the credit card user of the purchase amount with interest added before the transaction is concluded. The transaction support system 200
Is directly connected to the customer terminal 900 via the Internet network 800.
However, the configuration may be such that information is transmitted and received to and from the customer terminal 900 via a so-called e-marketplace that has already been established.

[0053]

As is apparent from the above description, according to the present invention, a purchaser can easily recognize his / her risk in margin trading. Further, the sales applicant can more quickly make a decision as to whether or not to conduct margin trading.

[Brief description of the drawings]

FIG. 1 is a transaction support system 2 according to an embodiment of the present invention.
00 shows an outline of the configuration.

FIG. 2 shows an example of the configuration of a customer database 220.

FIG. 3 shows an example of the configuration of a credit database 240.

FIG. 4 shows an example of the configuration of a condition setting database 260.

FIG. 5 shows an example of the configuration of a correction amount definition database 280.

FIG. 6 shows an example of the configuration of a transaction history database 300.

FIG. 7 shows an example of the configuration of a transaction object database 320.

FIG. 8 is an example of a statistical graph in which a current ratio of a bankrupt company and a non-bankrupt company is plotted against an equity ratio.

FIG. 9 is a diagram used when calculating a bankruptcy probability from the Z value obtained from FIG. 8;

FIG. 10 is an example of a hardware configuration diagram of a transaction support device 200.

FIG. 11 is an example of a transaction via the transaction support device 200, and shows an example of a flowchart when a customer purchases a transaction target.

FIG. 12 is a continuation of the flowchart in FIG. 11;

FIG. 13 is a flowchart continued from FIGS. 11 and 12.

FIG. 14 is a flowchart continued from FIG. 13;

FIG. 15 is an example of a transaction via the transaction support device 200, and shows an example of a flowchart when a customer sells a transaction target.

[Explanation of symbols]

 200 Transaction support system 210 Credit information database 280 Correction amount definition database 300 Transaction history database 320 Transaction target database 420 Transaction condition acquisition unit 430 Rating calculation unit 440 Credit information acquisition unit 460 Stimulation information output unit 480 Desired credit period acquisition unit 500 Difference calculation unit 520 Expected amount calculation unit 540 Purchase availability determination unit 560 Notification unit 580 Credit factor information verification unit 600 Data correction unit

Claims (12)

[Claims] 1. A transaction support system for receiving a purchase price of a transaction target from a purchaser after paying a sales price of the transaction target to a seller, comprising: a credit information database for storing credit information regarding the creditworthiness of a plurality of purchasers; A credit information acquisition unit that acquires, from the credit information database, credit information of a purchaser who has purchased the transaction object; and a transaction condition acquisition unit that acquires at least one of a desired sale amount and a desired purchase amount of the transaction object. And a difference calculation unit that calculates a difference between the sales price and the purchase price based on the at least one desired amount obtained by the transaction condition obtaining unit and the credit information obtained by the credit information obtaining unit. A transaction support system comprising: 2. The credit information includes at least an interest rate and a credit period permitted to the purchaser as a period from delivery of the transaction object to payment of a purchase price. The credit factor affecting the credit of the credit rate factor and the relationship between the interest rate and the credit period are defined, the credit information obtaining unit obtains the credit quality factor information of the purchase applicant, and obtains the credit factor information. The interest rate and the permissible time given to the purchaser from the credit information database based on the credit information database, the difference calculator calculates the interest rate of the purchaser, the credit period, and the desired amount of at least one of the The transaction support system according to claim 1, wherein the difference is calculated by using the following. 3. The system according to claim 1, further comprising a desired credit period acquisition unit for acquiring a desired credit period desired by the purchaser from the purchaser as the credit period, wherein the difference calculating unit determines that the desired credit period is equal to the credit period. The transaction support system according to claim 2, wherein the difference is calculated using the desired credit period when the period is shorter than the period. 4. A stimulating information output unit for outputting stimulating information for urging the purchaser whose credit information is not stored in the credit information database to be notified of the credit factor information. The transaction support system according to claim 2. 5. The transaction according to claim 4, further comprising a credit factor information verification unit that obtains the credit factor information from an external database and verifies the credit factor information obtained from the purchaser. Support system. 6. The credit information database further stores a credit line balance which is a balance of a transaction line permitted to the purchaser, and furthermore, the purchase price is an amount of the transaction line balance of the purchase applicant. A purchase determination unit that determines that purchase is not possible when the price is higher, and a notification that notifies the purchase applicant whether or not to make a transaction by prepayment when the purchase determination unit determines that purchase is not possible. 2. The apparatus according to claim 1, further comprising:
Transaction support system described in. 7. A transaction history database for storing the purchaser's transaction history, and a prompting information output unit for prompting confirmation of credit information in the credit information database when the transaction history satisfies a predetermined condition. The transaction support system according to claim 1, further comprising: 8. A transaction history database for storing a transaction history of the purchaser, wherein the difference calculator corrects credit information in the credit information database when the transaction history satisfies a predetermined condition. The transaction support system according to claim 1, wherein the transaction support system is used. 9. The system according to claim 1, further comprising: a notifying unit for notifying a purchase applicant or a sales applicant of the amount of the purchase price or the amount of the sale price reflecting the difference before the transaction is completed. Item 2. The transaction support system according to item 1. 10. A transaction support method for receiving a purchase price of a transaction target from a purchaser after paying a sales price of the transaction target to a seller, wherein credit information relating to creditworthiness of a plurality of purchasers is managed. Calculating the estimated purchase price based on the credit information of the purchaser who has requested the purchase and at least one of the desired sale amount and the desired purchase amount of the transaction object; and A transaction support method comprising notifying a purchaser of a planned amount. 11. A credit line balance, which is a balance of a transaction line permitted to the purchaser, is managed, and when the purchase price is higher than the transaction line balance of the purchase applicant, the purchase request 11. The transaction support method according to claim 10, wherein a notice is sent to the person confirming whether or not to conduct the transaction by advance payment. 12. A recording medium storing a computer-readable program, the program storing: a storage unit for storing, in a credit information database, credit information relating to creditworthiness of a plurality of purchasers; A credit information acquisition unit that acquires credit information of a purchase applicant who has requested from the credit information database, a credit condition, and a transaction condition acquisition unit that acquires at least one of a desired sale amount and a desired purchase amount of the transaction object. A difference calculation unit that calculates a difference between the sales price and the purchase price based on the at least one desired amount and the credit information obtained by the transaction condition obtaining unit. Storage medium that can be read.