JP2003132260A - Intercorporate transaction support method and device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method and device for efficiently realizing an intercorporate transaction by allowing the business partner of each financial institute, when two or more financial institutes such as banks execute a business cooperation, to refer to the company credit information possessed by each bank. SOLUTION: The information related to the company guarantee set by a credit guaranty company such as financial institute is stored, and the company information for selling products, business contents or the like of a company that is a seller is accepted and stored. Request information related to the product or business requested to purchase by a purchaser company is accepted, and the company information of the seller company fitted to the request information from this company is collated and retrieved, and the fitted company information and the information related to the company guarantee of the fitted company, for example, the transaction compensation sum by the financial institute are outputted as retrieval result, and a user executes electronic transaction activity processing in reference to this output information.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and apparatus for supporting electronic transactions between companies, and more particularly, to providing guarantee information on the financial institution side such as the amount of transaction compensation to companies and utilizing it for transaction activities between companies. Method and apparatus.

[0002]

2. Description of the Related Art Regarding electronic trading support method between companies,
For example, Japanese Patent Application No. 9-79590 "Electronic Commerce System"
Is a conventional technique. This e-commerce system accepts public procurement information from multiple member sites,
This is disclosed to the member site, and if there is a transaction request from the member site, the target public procurement information provider is notified of this and the transaction is executed.

Further, as a related technique, Identrus
International standard specifications based on electronic authentication called (IDENTRAS) and its basic services have been reported. Iden
In the trus scheme, a company attempting to conduct a commercial transaction inquires the validity of the counterparty's certificate to the counterparty's bank in real time through its own bank.

[0004]

The above-mentioned prior art does not particularly refer to referring to credit data or the like regarding a company when making a transaction between the companies. With regard to Identrus, which is a related technology, it is unclear in detail how to deal with information on the amount of compensation that a financial institution such as a bank specifically compensates, and no description is made on a method for finding a counterparty company.

[0005] An object of the present invention is to efficiently conduct inter-company transactions by referring to the company credit information of each bank when the financial institution such as a plurality of banks has formed a business alliance with each other. To provide a method and an apparatus for realizing the same. Further, another object of the present invention is to disclose compensation amount information according to the degree of corporate credit of the bank,
To more effectively carry out decision-making on counterparties and actual transactions in business-to-business transactions.

[0006]

Means for Solving the Problems The present invention provides information on a corporate guarantee set by an organization that guarantees credit, a product sold by a company that is a source of sales, or a business content of a company that is a source of trust in supporting inter-company transactions between companies through a network. When the purchase source company receives the request information related to the product or business requesting the purchase, the seller company that matches the request information is searched, and the company information and the company guarantee of the seller company are stored. It outputs information.

[0007]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described in detail below.

FIG. 1 is a block diagram of a system according to an embodiment of the present invention. Reference numeral 10 shows a group of guaranteed companies of "Bank A", 20 shows a group of guaranteed companies of "Bank B", and 30 shows a group of guaranteed companies 30 of "Bank C". Each group of guaranteed companies includes a bank computer 101 and a company computer 111. The computer device installed in the bank is referred to as "bank computer 101", and the computer device installed in the company is referred to as "company computer 111". The network 140 includes a control device (computer device) 1 installed in the computer center 150.
61 and the administrator's computer 151, and each guaranteed company group 1
A bank computer 101 and a company computer 111 included in 0, 20, and 30 are connected. Predetermined data processing is performed in each of these devices, and data is exchanged between the devices via the network 140.

A storage device group 162 is provided in a control device (computer device) 161 installed in the computer center 150.
Are connected, and a database 163 and a program 164 are stored on this storage device group 162. The control device 161 loads the program 164, and in accordance with the processing procedure of this program 164, the database 163.
And the bank computer 10 connected to the network 140.
1) Data reading, writing, or data calculation, data inspection, and data processing for the enterprise computer 111 are performed, and the result is displayed on an output device such as the bank computer 101 connected to the network 140.

[Bank A] Guarantee Companies Group 1 shown in FIG.
0 is a frame in which the bank A and the group of companies to which the bank A guarantees credits are logically difficult. In the same manner, “Bank B” guarantees group 20 and “Bank C”. It means that there is a logical group such as the guaranteed enterprise group 30. Each bank has a role of providing credit guarantee to each trading company based on information such as its business condition and financial status.

The network 140 shown in FIG.
Can be implemented in various forms such as the Internet or a leased line. Banks A and B may be other financial institutions that are responsible for credit guarantee. The computer center 150 can be operated by a system company, a computer manufacturer, an internet provider, or the like, or can be operated by the financial service company itself. Further, the control device 161, the bank computer 101, and the enterprise computer 11 in the computer center 150.
1, the control device 204, the display device 201, the keyboard device 202, and the mouse 20 as shown in FIG.
It is possible to use an information processing device including a so-called personal computer, workstation, or the like having the storage device 205 and the storage device 205.

FIG. 3 is a flowchart showing the processing procedure in this embodiment. This processing procedure mainly shows the operation of the control device 161 of the computer center 150.

First, when a company user or a bank user who is a user of this system starts up the company computer 111 or the bank computer 101, the control device 161 instructs the company computer 111 or the bank computer 101 to operate. To display the login screen 1600 (step 30)
1). FIG. 16 shows a display example of the main login screen 1600. The login screen 1600 has input items of a user ID 1601 and a password 1602, an “OK” button 1603, and a “cancel” button 1604.

The user is to use the keyboard device 202 or the mouse 2 of the company computer 111 or the bank computer 101.
03, user ID 1601 and password 1
The input of 602 etc. is implemented (step 302). next,
"Cancel" button 1604 on the login screen 1600
Is designated by the mouse 203 (step 30
3), delete the login screen 1600 (step 30
4) Then, this process ends. When the "OK" button 1603 is designated by the mouse 203 (step 303),
Input data of the user ID 1601 and the password 1602, and the user DB 1000 shown in FIG.
The user ID 1001 (included in 163) and the password 1002 are collated to determine whether the corresponding user is correct (step 305).

In the user DB 1000 of FIG. 10, the user ID 1001, password 1002, user type 1003, user company name 10 of the user of this system are stored in advance.
04 and the terminal ID 100 of the computer used by the user
5 is registered.

In the determination process of step 305, the user ID
Alternatively, if the password is incorrect, that is, if the login is unsuccessful, the process returns to step 302 and the input reception process of the user ID and password is performed again. If the login is successful, the user type 100 of the user
The value of 3 is taken out and the user type is determined (step 3
06). When the user type is "company", the company menu screen 1700 is displayed (step 307). If the user type is "bank", the bank menu screen 1800 is displayed (step 312).

FIG. 17 shows a screen example of the corporate menu screen 1700 displayed in step 307. The company menu screen 1700 is an area 1 for displaying the company name of the user.
710, menu groups 1701 and 1702 for calling support functions when selling own products, menu 1703 for calling support functions when purchasing products from other companies, and a menu for referring to the current transaction status of the company. 170
4 and a “logout” menu 1730 for instructing the end of this processing.

Returning to FIG. 3, the main screen 1 is displayed in step 307.
After displaying 700, the user selects the company computer 11
The user inputs a menu instruction using the mouse 203, and the system accepts this instruction (step 308). If the menu instructed by the user is “logout” 1730 (step 309), the menu screen 170 for companies is displayed.
0 is erased (step 311), and the process ends. If the menu instructed by the user is not "logout" 1730 (step 309), the enterprise function processing corresponding to each instructed menu is executed (step 310), and the process returns to step 308. The function processing for each company will be described in detail later.

On the other hand, if the user type is "bank" in step 306, the bank menu screen 1800 is displayed (step 312). FIG. 18 shows a screen example of the bank menu screen 1800. This bank menu screen 1
As shown at 800, the bank function sets the amount of compensation for the company with which each bank is transacting. 1
Reference numeral 810 is an area for displaying the user's bank name, 1821 to 1
826 is an area for displaying the compensation amount of each company, 1831
Is a button for instructing addition of compensation amount, 1832, 1833
Is an area for entering the name of the company to which the compensation amount is added and the additional amount.

As will be described in detail later, after the bank menu screen 1800 is displayed (step 312), the user inputs a menu instruction using the mouse 203 of the bank computer 101, and the system accepts it ( Step 313). The menu instructed by the user is "Logout"
If it is 1830 (step 314), the bank menu screen 1800 is erased (step 316), and the process ends. The menu instructed by the user is "Logout"
If it is not 1830 (step 314), the bank function processing corresponding to each instruction menu is executed (step 315), and the process returns to step 313. This bank function processing will be described later in detail.

Next, the corporate function processing of step 310 in FIG. 3 will be described. In step 310, FIG.
When the menus 1701, 1702, 1703, and 1704 on the corporate menu screen 1700 shown in FIG. 7 are instructed, different system processing procedures are executed.

First, the "Set up company information" menu 1
The processing procedure when 701 is instructed will be described with reference to the flowchart of FIG. First, the company information registration screen 1900 is displayed (step 401). FIG. 19 shows a screen example of the company information registration screen 1900. The in-house company information registration screen 1900 includes a region display area 1901, a local condition input area 1910 of a sold company, a keyword input area 1921 of a sold product, an appeal entry area 1931 such as a sales talk to the sold company, a homepage address 1941, E. Email address 1942, "Condition settings"
Button 1951 and "Cancel" button 1952
Equipped with. In the initial display of this screen, the company information DB 1100 (included in the DB 163 of FIG. 1) shown in FIG. 11 is referred to, and when the corresponding company name 1101 exists, each field 1102, 1103, 110 of the record concerned.
4, 1105, 1106 are read out and the respective data are stored in respective areas 1910, 1921, 1931, 1941,
1942.

Next, the input information input by the user designating on the screen is accepted (step 402). As a result, the update data of the designated area can be held in the corporate computer 111. Further, it is determined whether or not the designated area is the "condition setting" button 1951 (step 40).
3). In the case of the "condition setting" button 1951, the information input by the user is written in the company information DB 1100 (step 404), the own company information registration screen 1900 is deleted (step 406), and this step 310 is ended. If the area designated by the determination in step 403 is not the "condition setting" button 1951, it is determined whether the designated area is the "cancel" button 1952 (step 405). "Cancel" button 195
In the case of 2, the process immediately proceeds to step 406. If the button is not the “Cancel” button 1952, step 402
Return to.

As described above, by the process of FIG. 4, the user of each company can change his or her company information as necessary and register it in the company information DB 1100.

Next, the processing procedure when the "quote request execution" menu 1703 is instructed by the company user in step 310 will be described with reference to the flowchart of FIG. This function is a support function for a user company to search for a company that provides a product as a purchase destination for a transaction of a product or the like that the user company wants to purchase and to make a specific quotation request. First, the quotation request screen 2000 is displayed (step 501).

FIG. 20 shows a screen display example of the quotation request screen 2000. The quotation request screen 2000 includes a quotation requesting company name 2002, a district display area 2001, a region condition input area 2010 of a provider company at the time of purchase, a keyword input area 2021 of a product to be purchased, a quotation request condition and request information input area. 2031 and a “company search” button 2040. Reference numeral 2060 is an area for displaying the search results of companies that satisfy these quotation conditions when the above-mentioned various quotation conditions are set and the “Company search” button 2040 is pressed. Reference numeral 2070 is an area for displaying the current transaction status of the company that is the source of the quotation request. 2080 is a cancel button.

Next, the calculation and display processing for displaying in the transaction status display area 2070 of the quotation request screen 2000 is performed by the payment schedule DB 1200 and the company-specific compensation amount DB 1400.
And is executed (step 502).

FIG. 12 shows a configuration example of the payment schedule DB 1200. FIG. 14 shows a configuration example of the company-specific compensation amount DB 1400. The payment schedule DB 1200 stores information that is actually scheduled to be established as a transaction between companies. Transaction ID 1
It has fields 201, expected payment date 1202, payer company 1203, payee company 1204, and transaction amount 1205. The company-based compensation amount DB 1400 stores information on the additional compensation amount of the bank for each company, and stores the guarantee source bank name 1402 and the compensation amount 1403 of the company in association with the company name 1401. For example, the meaning of the first record is “Bank A sets 100,000,000 yen as the additional compensation amount for company a1”. In this way, the bank has the role of increasing the deposit balance of the company by providing credit to the company as credit creation based on the company rating and the like.

The detailed processing procedure of step 502 is shown in FIG.
This will be described with reference to the flowchart of. First, the deposit balance of the company that owns the system is taken out, and this is substituted into the variable x1 on the program (step 601). The deposit balance can be easily retrieved by referring to the bank that is the account management source of the company for the current account balance. Further, the total amount of additional compensation is calculated and substituted into the program variable x2 (step 60).
2). In this process, the value of the “company name” 1401 of the company-specific compensation amount DB 1400 is taken out of the own company name (in the example of FIG. 20, “company b2” is matched), and the value of the “compensation amount” 1403 is taken out. It will be realized.

Next, the payment schedule DB is stored in the program variable x3.
Referring to 1200, the relevant company is a “payment source company” 1
The total value of the transaction amount 1205 of the record matching 203 is substituted (step 603). Similarly, referring to the payment schedule DB 1200, the program variable x4 is set to the value of the transaction amount 1205 of all the records whose company name (“company b2” in the example of FIG. 20) matches “payee company” 1204. The totaled value is substituted (step 604).

Next, the values obtained by adding and subtracting these program variables are output to each display area of the transaction status display area 2070 (step 605). Specifically, the value of x1 + x2 is output to the transaction compensation total amount display area 2071, the value of x3 is output to the transaction planned purchase amount display area 2072, and the value of x4 is output to the transaction transaction sales amount display area 2073. , And the value of x4-x3 is output to the sales and purchase difference display area 2074. And x1 + x2 +
The value of (x4-x3) is output to the purchaseable transaction amount display area 2075.

By the above step 502, it becomes possible to present the purchaseable amount based on the current transaction status of the company to the company user who is going to make the quotation request.

Next, returning to the flowchart of FIG. 5, the description will be continued. After step 502, input of quotation request information from a company user who is trying to make a quotation request is accepted (step 503). In this process, the user uses the keyboard device 202 and the mouse 203 to display the quotation request screen 2
This is realized by identifying the information instructing each input area on 000 and the menu button for process activation. When the user's instruction is “company search” 2040 (step 504), company search processing is performed (step 505),
Return to step 503. If the user's instruction is “execute quotation request” 2066 (step 506), the quotation request execution process is executed (step 507), and step 5
Return to 03. User's instruction is “Refer to corporate information” 2065
If it is (step 508), the company information reference process for the company that is the search result is executed (step 50).
9) and returns to step 503. When the user's instruction is “Cancel” 2080, the quotation request screen 2000
Is erased (step 511) and this step 310 is ended. If it is not “cancel” 2080 (step 510), the process returns to step 503.

Next, the company search process of step 505 will be described with reference to the flowchart of FIG. First,
The first record of the company information DB 1100 (FIG. 11) is taken out (step 701). It is determined whether or not there is a record to be taken out (step 702), and if there are no more records, this step 505 is ended.

If the record exists, the location area of the quote requesting company displayed in the area display area 2001 of the estimate request screen 2000 is matched with the "sale area" 1102 of the retrieved record (step 70).
3) It is determined whether the matching is successful (step 704). If matching fails, go to step 714. When the matching regarding the area is successful, one is set for each keyword set in the keyword 2021 of the product to be purchased on the quotation request screen 2000 and each keyword stored in the “sales product keyword” 1103 of the retrieved record. However, it is matched whether or not they match (step 705), and it is determined whether or not the matching is successful (step 706). If the matching is successful, the search result display area 2060 of the quotation request screen 2000 is displayed as information about the company of the retrieved record.
Is displayed (step 713). Then step 714
Go to.

When it is determined in step 706 that the matching has failed, the text set in the quotation condition / request item input area 2031 of the quotation request screen 2000 and the text of the "appeal" 1104 of the retrieved record are further set. A comparison is made to see if any one of the keywords in the sentence is the same (step 707), and it is checked if the matching is successful (step 708).
If the matching is successful, the process proceeds to step 713, and if the matching is unsuccessful, the process proceeds to step 709.

Next, the quotation condition /
The match between the keyword appearing in the sentence set in the request input area 2031 and the "sales product keyword" 1103 of the retrieved record is checked (step 709) to check whether the matching is successful (step 71).
0). If the matching is successful, step 713.
Go to step 71 if the matching fails.
Go to 1.

Next, the matching between each keyword set in the keyword 2021 of the product to be purchased on the quotation request screen 2000 and the keyword appearing in the sentence of "appeal" 1104 of the retrieved record is checked (step 711).
Check whether the matching was successful (step 71)
2). If the matching is successful, step 713.
Go to and if matching fails, company information DB
Retrieve the record next to 1100 (step 71
4) and returns to step 702.

By the processing of the above step 505, the companies which are candidates as the companies to which the quotation is requested are registered in the company information DB 110.
It can be found and displayed from 0. It should be noted that the values of the guarantee source bank 2062 and the total compensation amount 2063 corresponding to the company 2061 extracted as the search result are retrieved and displayed with reference to the enterprise-specific compensation amount DB 1400.

Next, the quotation request process of FIG. 5 (step 50)
7) will be described. In this processing, the user of the quotation request source company checks the specific quotation request destination selection (so-called check box) 2064 in the search result 2060 of the quotation request destination company in step 505 to request the quotation. This is the process executed when the execution 2066 is instructed. Specifically, the process of writing information in the estimate request DB 1300 is executed. Quotation request DB 1300
As shown in FIG. 13, "requesting company name" 1301,
“Requested area condition” 1302, “Quotation product keyword”
1303, "quotation conditions / requests, etc." 1304, "quotation request destination company" 1305, and "quotation request number" 130
It has 6 fields. In the quotation request processing, values input or displayed in the areas shown below on the quotation request screen 2000 are set in these fields.・ "Requester company name" 1301 ... Quote requesting company name 2002 ・ "Request destination region condition" 1302 ... Quotation providing company region condition 2010 ・ "Quotation product keyword" 1303 ... Purchase product keyword 2021 ・ "Quotation condition / request" Etc. ”1304 ... Input area 2031 for quotation conditions / requests, etc. •“ Company for requesting quotation ”1305 ... Selection of quotation request destination 206
One or more company names 2061 checked in step 4 (note that this “quotation requesting company” 1305 is a company name 1311 and a status 1312 indicating whether or not the company has answered the quotation).
Has the element of. The initial value of status 1312 is
It is set to "not yet" indicating that the quotation reply has not been obtained yet. ) "Quotation request number" 1306 ... A unique number automatically assigned by the system.

Next, the company information inquiry process (step 509) in FIG. 5 will be described. This process is step 505.
Results of candidates for quote companies searched by the system (Fig. 2
This is for searching the detailed candidate company information by the company user who is the requester of the quotation in the search result display area 2060 of 0. This process is performed by referring to the company information 206 in FIG.
This is a process executed by instructing the "reference" button displayed in each row of No. 5, and is to generate and display a screen similar to the own company information registration screen 1900 shown in FIG. However, in this case, the information on the screen is displayed only and the rewriting process such as input is not possible. As a result, it becomes possible to access the appeal information of each company and the company homepage, and the user of the company requesting the quotation can see more detailed company information.

As described above, the quotation request process of step 310 shown in FIG. 5 (process when the “execute quotation request” 1703 is instructed on the company menu screen 1700 of FIG. 17)
As a result, each company can search for candidates for its quotation not only for its own bank but also for companies guaranteed by other banks with which it has a business alliance. Become. Further, at the time of requesting an estimate, it becomes possible to obtain information in real time on what kind of transaction situation the company is currently in, and it is possible to realize an estimate request in consideration of the transaction amount that can be purchased. Furthermore, it becomes possible to know the compensation amount of each bank for the quotation candidate company displayed by the system,
It is possible to find healthy business partners.

Next, in the enterprise function processing execution (step 310) of FIG. 3, the processing method of the matter requested to be quoted from another company by the company itself (“Quote Reply” on the company menu screen 1700 of FIG. 17). Processing when "information" 1702 is instructed), using the flowchart of FIG.
The details of the processing procedure will be described.

First, the quotation reply screen 2100 is displayed (step 801). This screen, as shown in Figure 21,
It displays the item information for which a request for quotation is made to the user company 2101, "quotation request number" 2111, "requesting company" 2112, "guarantor bank" 2113 indicating the guarantee source bank of the requesting company, guarantee "Total compensation amount" 2114 indicating the total amount of compensation of the former bank, "Reference quotation information" 2115 for displaying the quotation information reference instruction button, "Quotation response" 2116 for indicating the quotation response status, and "Transaction establishment" for indicating the transaction completion status. 2117 columns.

For the matter displayed in this quotation list, the quotation request DB 1300 is referred to, and in the “quotation request destination company” field 1305 on this DB 1300, the relevant company 2101 is used.
It can be extracted by extracting the record in which the company name of. Further, the “requester company name” field 1301 of the retrieved record is compared with the “company name” 1401 of the company-specific guarantee amount DB 1400, and the “guarantor bank name” 1402 and the “compensation amount” 140 of the record having the same value are compared.
3 is taken out and displayed on the “guarantor bank” 2113 and the “total compensation amount” 2114 of the quotation reply screen 2100.

After step 801, an input instruction is received from a company user who has received a quotation request from another company (step 802), and the type of this instruction input is determined (step 803). Quotation information reference on the quotation reply screen 2100 211
When the "reference" button in any row of the column 5 is instructed, the corresponding estimate information reference process is executed (step 80).
4) and returns to step 802 again. The quotation information reference process in step 804 is performed by the quotation request screen 200 shown in FIG.
It is realized by displaying the same information as the information of 0 except the company search result display area 2060.

In step 803, if the "not yet" button in any of the rows of the estimate reply 2116 column is instructed, the process shown in FIG.
The quotation reply sheet screen 2200 shown in 2 is displayed, necessary information is set (step 805), and the relevant quotation is transmitted to the quotation request destination company 2202 (step 806). At this time, by sending the quotation reply sheet, the column of the quotation reply 2116 becomes
Change from "Not" to "Complete", and the corresponding quotation request DB13
The “estimation request destination company” of 00 and the “estimate reply status” 1312 of 1305 are changed from “not yet” to “complete”. Then, the process returns to step 802.

In step 803, "cancel"
When the button 2120 is instructed, the quotation reply screen 2
100 is erased (step 807), and this step 310
To finish.

It should be noted that the quotation reply sheet screen 2200 of FIG.
Is the quotation request number 2201, the quotation respondent company 2202,
It has a specific estimate statement 2210, a total amount 2220, and a “send estimate reply” button 2230 for sending this estimate reply to the estimate requesting company.

As described above, in the enterprise function process execution (step 310) in FIG. 3, the processing method of the matter requested to be quoted by the other company from the company (“Quote answer information” in the company menu screen 1700 in FIG. 17). The processing when 1702 is instructed) has been described. Through this process, the corporate user should refer to the detailed information about the quotation from another company that has made a quotation request to the company, and make a reply to the quotation while considering the soundness of the requesting company. You can In addition, the bank that guarantees the requesting company can expand the range of companies not only to its own bank but also to the guarantee frame of its partner bank, which gives each company a wide range of safe business opportunities. Can be obtained.

Next, the corporate function of FIG. 3 (step 31)
Of 0), the process of displaying the quotation reply matter from the partner company for the quotation request from the company and selecting the matter to be actually traded from this reply will be described with reference to the flowchart of FIG. This process is a process that is called when the “transaction status list and planned transaction item setting” 1704 on the corporate menu screen 1700 of FIG. 17 is instructed.

First, the quotation answer list screen 2300 is displayed (step 901). As shown in FIG. 23, this screen shows a list of replies from the partner company to the matter requested by the user company 2301 for the quotation.
"Responding company" indicating the name of the responding company corresponding to 311 2
312, a “total amount” 2313 indicating the total amount of responses, a “quotation detail” button 2314 for referring to a quotation detail, and a “transaction execution” button 2315 for selecting an item as an actual transaction. The search display of the relevant matter in these display areas is performed by the “requesting company” 15 of the quotation answer DB 1500.
This is carried out by extracting a record in which the value of 02 matches the use company 2301. Further step 902
Then, the same processing as step 502 (described in FIG. 6) is executed, and the current transaction information 2070 of the user company 2301 is displayed at the bottom of the screen.

Thereafter, the input instruction information from the user for this screen is accepted (step 903), and the input instruction information is judged (step 904). In this determination, if the “Reference” button of “Quotation details” 2314 on the quotation reply list screen 2300 is instructed, the detail data indicated by the quotation detail data 1504 of the quotation reply DB 1500 is accessed and displayed (step 905) and the procedure returns to step 903.

Further, in the judgment step 904, when the “select” button of the “transaction execution” 2315 of the quotation answer list screen 2300 is instructed, it is considered that the selected reply item is decided as a transaction, The information is written in the payment schedule DB 1200 (step 906), and the same processing as step 502 is executed in step 908.
Return to step 903. Step 906 is payment schedule D
This is implemented by adding a new record to B1200. Set the following information in each field of the new record to be added. -"Transaction ID" 1201 ← System numbering automatically ・ "Scheduled payment date" 1202 ← Presents the inquiry screen to the user for input.・ "Payment source company" 1203 ← Quote reply list screen 2300
Company name 2301 ・ "Payee company" 1204 ← Quote reply list screen 2300
“Responding company” 2312 of the corresponding selection record of “Transaction amount” 1205 ← “Total amount” 2313 of the selection record of the quotation answer list screen 2300

If the "Cancel" button 2317 of the quotation reply list screen 2300 is instructed in the judgment step 904, the quotation reply list screen 2300 is erased (step 907) and the present step 310 is ended.

As described above, by the processing in step 310 of FIG. 9, the user of the company who has made the quotation request refers to the quotation reply up to the detailed level, and considers the remaining transaction amount of the company, etc. It becomes possible to instruct execution of transactions with companies.

This is the end of the description of the corporate function.

Returning to FIG. 3, the procedure for executing the function for banks (step 315) will be described. As shown in FIG. 18, the bank menu screen 1800 displayed in step 312 displays a bank name 1810 indicating the name of the bank in use and information about a guaranteed company guaranteed by the bank in use as a customer. For information on the guaranteed company,
"Guarantee company" 1821, "Compensation amount" 1822 that the bank guarantees to the guarantor company, "Purchased amount" 1823 and "Sales amount" 1824 indicating the current transaction status.
And a “possible transaction amount” 1825 and a “transaction detail reference” button 1826 for referring to transaction details of the company.

The user bank can obtain detailed information on the transaction related to the guarantor company by instructing the "transaction detail reference" button 1826. In addition, a “compensation amount addition processing” button 183 for executing a function of performing processing such as addition of compensation amount by looking at the transaction status of these companies.
Has 1. In the relevant bank, the company name input area 183
2 Enter the company name, enter the additional amount in the additional amount input area 1833, and instruct the "compensation amount addition processing" button 1831 to change the transaction compensation amount for companies equivalent to additional financing, etc. Can be performed.

In this embodiment, the amount of money to be compensated by the guarantor bank is entered as the amount of compensation, but the contents such as the level representing the range of amount of money may be entered instead of the amount of money. .

[0061]

As described above, according to the present invention,
Due to business alliances among multiple banks, information regarding corporate guarantees such as transaction compensation amount, which means the credit level of each other's counterparty companies, is disclosed, and when making decisions such as requesting quotation and executing transactions in inter-company transactions, Since it can be referred to by a company user, each company can efficiently carry out business negotiations with sound counterparts. Further, it becomes possible to integrally support the transaction-related processing including the processing from the search for a business-compatible partner to the quotation request work to the final transaction execution. Further, the bank can easily understand the transaction information of each company, and can obtain information on decision-making related to financing such as additional compensation.

[Brief description of drawings]

FIG. 1 is a configuration diagram of a system to which an embodiment of the present invention is applied.

FIG. 2 is a hardware configuration diagram of a computer device installed in a company and a bank.

FIG. 3 is a flowchart showing a processing procedure according to the embodiment of the present invention.

FIG. 4 is a flowchart showing a procedure for registering own company information, which is a corporate function of the present invention.

FIG. 5 is a flowchart showing a procedure for requesting an estimate, which is a corporate function of the present invention.

FIG. 6 is a flowchart showing a procedure for calculating / displaying the in-house transaction status in a company using the present invention.

FIG. 7 is a flowchart showing a procedure for searching for a quotation request destination company, which is a corporate function of the present invention.

FIG. 8 is a flowchart showing a procedure for replying to a quotation to quotation request information from another company, which is a corporate function of the present invention.

FIG. 9 is a flowchart showing a transaction decision procedure for an estimate reply item, which is a corporate function of the present invention.

FIG. 10 is a table configuration diagram of a user DB on a storage device in the computer center.

FIG. 11: Corporate information DB on storage device in computer center
2 is a table configuration diagram of FIG.

FIG. 12: Payment schedule DB on storage device in computer center
2 is a table configuration diagram of FIG.

[Fig. 13] Quotation request DB on the storage device in the computer center
2 is a table configuration diagram of FIG.

FIG. 14 is a table configuration diagram of a company-specific compensation amount DB on a storage device in a computer center.

FIG. 15: Quote reply DB on storage device in computer center
2 is a table configuration diagram of FIG.

FIG. 16 is a diagram showing an example of a user login screen.

FIG. 17 is a diagram showing an example of a menu screen for companies.

FIG. 18 is a diagram showing an example of a menu screen for banks.

FIG. 19 is a diagram showing an example of an own company information registration screen.

FIG. 20 is a diagram showing an example of an estimate request screen.

FIG. 21 is a diagram showing an example of an estimate reply screen.

FIG. 22 is a diagram showing an example of an estimate response screen.

FIG. 23 is a diagram showing an example of an estimate answer list screen.

[Explanation of symbols]

10 …… Groups of guarantee companies of “Bank A” 20 …… Group of companies to which “Bank B” is guaranteed 30: Group of companies to which "Bank C" is guaranteed 101 ... Bank calculator 111 ... Computer for business 140 ... Network 150 ... Computer center 161 ... Control device (computer device) 162 ... Storage device group 163 ... Database 164 ... Program 201 ... Display device 202 ... Keyboard device 203 ... mouse 204 ... Control device 205 ... Storage device

Claims (4)

[Claims] 1. A method for supporting business-to-business transactions between companies via a network, wherein a step of storing information about a corporate guarantee set by an organization that guarantees credit and a product or business to be sold by the company that is the selling source. The step of receiving and storing the company information including the content, the step of receiving the request information regarding the product or the business the purchaser company requests to purchase, and the reference of the stored company information of the seller company, An inter-enterprise characterized by comprising a step of searching for a seller company that matches the request information, a step of outputting company information about the searched seller company, and information about the company guarantee of the seller company. Transaction support method. 2. The business-to-business transaction support method according to claim 1, wherein the information about the corporate guarantee is a transaction compensation amount for each company guaranteed by a group that guarantees credit. Method. 3. The business-to-business transaction support method according to claim 1, wherein the information on the business guarantee is information presented by a group that guarantees a plurality of credits. 4. A business-to-business transaction support device accessible from a computer of a selling company and a computer of a purchasing company via a network, and a means for storing information on a corporate guarantee set by an organization that guarantees credit. , A means for receiving and storing company information including sales products or business contents transmitted from the computer of the selling company, and a means for receiving request information relating to the product or business requesting the purchase transmitted from the computer of the purchasing company And a means for, when receiving the request information from the computer of the purchasing company, referring to the stored company information of the selling company and searching for a selling company that matches the request information from the purchasing company. And means for transmitting the retrieved company information regarding the selling company and the information regarding the corporate guarantee of the selling company to the computer of the purchasing company. Business-to-business support apparatus characterized by comprising a.