JP2001338138A - Automatic financing investigation sysmte connected with accounting processing acting system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To automatically process the financing investigation or the like of a customer utilizing an acting system of accounting processing or the like for the customer. SOLUTION: Customer's transaction slip data are received and stored and the processing of accounting or the like for the transaction slip data is carried out on customer's behalf. The processed data of the accounting or the like are stored for each customer. The customer identification(ID) information of each customer is also stored. An evaluation function defining correspondence relation between the processed data and the evaluation points of financing investigation is stored. When the ID information of a certain customer and the credit setting work application of financing or the like are received from the customer, processed data corresponding to the ID information of the customer are read out from a storage means and converted into evaluation points on the basis of the evaluation function. An investigation standard regulating relationship between the evaluation points and the availability of credit setting work provision is previously stored and whether the credit setting work can be provided or not is determined on the basis of the converted evaluation points while referring to the investigation standard. The system is provided with a means for storing a credit investigation result for each customer and outputting the result to the outside.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic financing examination system linked to an accounting system, and more particularly to an accounting system for accumulating customer accounting data, payroll data, sales stock management data, and the like. The present invention relates to a system linked to a system for automatically performing a loan check of a customer based on the accounting data and the like.

[0002]

2. Description of the Related Art There has been proposed a system which accumulates accounting data, salary data, sales stock management data and the like of a customer and performs accounting processing. For example, there is Japanese Patent Application No. 11-359885 filed earlier by the present applicant. In this application, for example, accounting data before journal entry is input from a customer terminal, and the accounting data is transmitted to a center via a communication network. The center performs automatic journal processing by computer processing on the received accounting data for each customer,
Make the accounting data after journal entry available to specialists such as tax accountants.
An expert such as a tax accountant checks accounting data in association with a transaction slip previously received from a customer, inputs necessary correction journals and the like to the accounting data, and corrects the accounting data to correct data. The customer can request the center to send a report based on the accounting data. When the report format is specified from the customer's terminal, the computer at the center compiles the accounting data of the customer and edits it into the specified format. Create a customized report. Customers can receive this report and use it for management.

[0003]

SUMMARY OF THE INVENTION The inventor of the present application used this accounting processing substitute system and thought that it would be possible to automatically process a loan or other examination for a customer who uses the system.

[0004] It is an object of the present invention to provide an automatic financing and screening system for automatically processing a financing and screening of a customer who uses the system by using the above-mentioned accounting and other processing substitute system. . As a result, the processing cost of the credit business can be significantly reduced. In addition, the purpose of this automatic screening system for loans and the like is to open the window for using the system on a communication network to enhance customer convenience.

[0005]

According to the first aspect of the present invention, there is provided a transaction slip data receiving means for receiving and storing customer transaction slip data transmitted from a terminal via a communication network. Transaction slip data storage means for storing the transaction slip data for each customer. The system further includes accounting processing proxy means for performing accounting processing on the transaction slip data, and processed data storage means for storing processed data after the accounting processing for each customer. The system further includes customer information storage means for storing customer identification information for each customer, and evaluation function storage means for storing an evaluation function that defines a correspondence relationship between the processed data and the evaluation score of a loan or the like. A credit service receiving unit for receiving a credit business application such as a loan from the customer together with the customer's identification information; and a customer processed data corresponding to the customer identification information acquired by the credit business reception unit, from the storage unit, Score conversion means for converting into a score based on the evaluation function stored in the evaluation function storage means. Further, referring to the examination criteria storage means that defines the relationship between the grade and the availability of credit service and the criteria defined in the examination criteria storage means, it is determined whether the credit service can be offered based on the converted score. Credit examination means are provided. In addition, a configuration is provided in which an examination result storage means for storing the result of the credit examination for each customer and a means for outputting the result of the credit examination to the outside are provided.

Further, the invention according to claim 2 employs a configuration in which the credit service receiving means receives a credit service application transmitted from a customer terminal or the like via a communication network such as the Internet. This aims to achieve the above-mentioned object.

[0007]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to FIG.
It will be described based on.

A center system 100 shown in FIG. 1 includes a transaction slip data receiving means 1 for receiving and accumulating transaction slip data of a customer transmitted from a customer terminal 200 via a communication network 300, and transmitting the transaction slip data to each customer. And a transaction slip data storage means 2 for storing the information. Also,
The system includes an accounting processing proxy unit 3 for performing accounting processing on the transaction slip data, and a processed data storage unit 4 for storing processed data after the accounting processing for each customer. A customer information storage means 5 for storing customer identification information for each customer;
An evaluation function storage means for storing an evaluation function which defines a correspondence between the processed data and the evaluation score of a loan or the like; Further, a credit service receiving means 7 for receiving a credit business application such as a loan from the customer together with identification information of the customer, and a storage means 4 for storing processed data of the customer corresponding to the customer identification information acquired by the credit business receiving means 7. And a score conversion means 8 for converting the score into a score based on the evaluation function stored in the evaluation function storage means 6. Further, examination criteria storage means 9 which defines the relationship between the rating and the availability of credit service,
A credit screening means for determining whether or not to provide a credit service based on the converted score with reference to the criteria defined in the screening criteria storage means; Further, the system includes an examination result storage unit 11 for storing the result of the credit examination for each customer, and an examination result output unit 12 for outputting the result of the credit examination to the outside.

In the present embodiment, the credit service receiving means 7 receives a credit service application from the customer terminal 200 via a communication network 300 such as the Internet, a LAN, or a WAN.

More specifically, in the present embodiment, the center system 100 has
An accounting processing agency system and an automatic financing and other screening system linked to this system will be realized.

The customer terminal 200 is a computer terminal such as a personal computer owned by the customer.

The communication network 300 includes the Internet in the present embodiment. Here, in the connection process between the customer terminal 200 and the center system 100, an internet service provider or the like may be relayed. Further, the customer terminal 200 and the center system 10
Data transmission between 0 and 0 may be performed via a mail server or the like. A firewall (not shown) is provided between the communication network 300 and the center system 100.

In the center system 100,
Transaction slip data receiving means 1, accounting processing acting means 3, credit service receiving means 7, score converting means 8, credit screening means 10,
And the examination result output means 12 are processes realized by computer program processing.
The computer is not limited to a physically single computer, and may be configured by a plurality of computers that communicate via a communication network such as a LAN. That is, each of those processes may be distributed and processed by a plurality of computers.

Further, transaction slip data storage means 2, processed data storage means 4, customer information storage means 5, evaluation function storage means 6, examination criteria storage means 9, and examination result storage means 1
Reference numeral 1 denotes a storage area of a storage device such as a hard disk drive. The storage device is not limited to a physically single storage device, but may be a plurality of storage devices connected to a plurality of computers communicating via a communication network such as a LAN. That is, these storage areas may be distributed and managed by a plurality of computers.

Among these, the transaction slip data receiving means 1
Receives the application for accounting business consignment transmitted from the customer terminal 200, and receives the customer information of the customer (company name, address, business partner list, employee list, bank account list, product list, account list, etc.) With customer identification information (identification I
D), a function of storing the customer authentication information (for example, a password corresponding to the customer identification ID) in the customer information storage means 5, and a function of transmitting the authentication information of the customer in the customer information storage means 5. A function of storing the transaction slip data in the transaction slip data storage means 2 in association with the customer's identification ID, and corresponding data stored in the transaction slip data storage means 2 based on a delete command or a correction command transmitted from the customer terminal 200 And a function for deleting or modifying the. Further, the transaction slip data receiving means 1 has a function of decrypting the transaction slip data encrypted and transmitted at the customer terminal 200.

The transaction slip data storage means 2 stores the transaction slip data in a database for each customer and stores it. Here, the transaction slips include slips such as sales, purchases, expenses, reimbursement, deposits, withdrawals, salary calculations, sales and stock management, and the like.
This includes transactions such as repayment of loans and interest payments.

The accounting processing agent means 3 reads out the transaction slip data stored in the transaction slip data storage means 2, executes an automatic journalizing process on the transaction slip data, and outputs the processed data after the journalizing process to the customer. The processed data storage unit 4 stores the processed data in association with the identification ID. In addition, a function of storing past processed data after a certain period of time as a backup, and then reproducing the past processed data after a certain period of time from the backup, when requested by the score conversion means 8, is provided. Have.

The processed data storing means 4 stores the processed data in a database for each customer.

The customer information storage means 5 stores the various types of customer information described above in a database for each customer.

In the present embodiment, the evaluation function storage means 6 includes a first evaluation function table defining a correspondence relationship between the data indicating the customer's financial status tabulated from the processed data and the rating for credit, It stores a second evaluation function table which defines the correspondence between data such as the customer's loan balance and repayment / interest payment status aggregated from the processed data and credit ratings.

The credit service accepting means 7 has a WWW server and transmits screen display information corresponding to HTTP access from the customer terminal 200 to the WWW browser of the customer terminal 200. The screen display information transmitted to the customer terminal 200 includes information describing and describing the contract between the customer and the business entity for financial products such as loans. Further, the credit business receiving means 7 receives an application for credit business such as financing via the WWW browser of the customer terminal 200, and identifies the customer who made the application with the customer authentication information stored in the customer information storage means 5 (for example, Authentication function based on the customer's identification ID and a password corresponding thereto, and a function of transferring the authenticated customer's identification ID and the applied credit service type information to the rating conversion means 8. ing. Here, the credit business includes financing, bill discount, insurance, leasing, installment, and the like. Further, the credit service receiving means 7 is provided for the customer terminal 2.
At 00, a function of decrypting data encrypted and transmitted by SSL or the like is provided.

The score conversion means 8 obtains, from the credit service receiving means 7, the identification ID of the customer who has applied for the credit service and the type information of the credit service which the customer has applied for, and processes the processed data associated with the identification ID. The data indicating the financial condition and the data indicating the past transaction results such as loans are totaled based on the processed data read out from the processed data storing means 4, and the totaled data is stored in the evaluation function storing means 6. It has a function to convert into scores based on the evaluation function table.

The examination criteria storage means 9 defines creditable scores for each type of credit business.

The credit examination means 10 compares the score calculated by the score conversion means 8 with the identification ID of the customer who has obtained the score.
And the type of credit business that the customer has applied for from the rating conversion means 8, and refers to the examination criteria specified in the examination criteria storage means 9 to provide the customer with the applied credit service. Determine if you can.

The examination result storage means 11 stores the credit examination means 1
The result of the credit check determined at 0 is made into a database for each customer and stored.

The examination result output means 12 includes a WWW server, and transmits screen display information corresponding to HTTP access from the customer terminal 200 to the WWW browser of the customer terminal 200. The screen display information transmitted to the customer terminal 200 includes the result of the credit examination of the customer and the details of the credit business applied by the customer. The examination result output means 12 receives a request for browsing the credit examination result via the WWW browser of the customer terminal 200, and identifies the requesting customer as the customer authentication information stored in the customer information storage means 5 (for example, the customer's authentication information). Authentication function based on the identification ID and a password corresponding thereto, and a credit examination result corresponding to the authenticated customer's identification ID is read from the examination result storage means 11 and written in an HTML file and stored in the customer terminal 200. Transmission function. The credit service accepting means 7 has a function of decrypting data encrypted and transmitted by the client terminal 200 using SSL or the like.

In addition to the above, the center system 100
It has the following functions realized by computer processing. (1) It has a function of creating a tabulation table of the processed data based on the processed data of each customer and transmitting the tabulation table to the customer terminal 200 in response to a request of the customer. Based on the processed data stored in the processed data storage means 4, a tabulation table for accounting, payroll calculation, sales stock management, etc. is created and transmitted to the customer. The transmission means is by e-mail, FTP, HTTP, FAX, mail or the like on the Internet. (2) A function is provided for automatically issuing a bill, a reminder, and the like according to a repayment period of a loan or the like. Automatically issue invoices for repayments and interest payments that come due, or issue reminder letters for things that have already come due. The repayment period, repayment amount, and interest payment amount for each customer are stored in a database in storage means and managed for each customer. The computer of the center system periodically accesses the database, automatically creates an invoice for a record whose due date is closer than a certain value, and outputs it to the customer. In addition, a dunning letter is automatically created for a record whose due date has passed and output to the customer. (3) A function for importing / exporting data is provided to maintain data compatibility with external hardware and software. (4) A function is provided to back up and save the data stored in each storage means in order to preserve the data. (5) It has a human input interface necessary for inputting manually processed data and adjusting automatically processed data. For example, it is used when an expert such as a tax accountant browses the processed data stored in the processed data storage unit 4 and inputs a correction journal to the processed data.

The customer terminal 200 has the following functions realized by computer processing. (1) It has an application function for individual customers to contract with the business entity. It is a function to apply for outsourcing accounting work through this system. (2) A master management function that creates and manages data necessary for accounting, payroll, sales inventory management, etc. of business partners and employees of individual customers. Register information such as company name, address, business partner list, employee list, bank account list, product list, accounting list, etc., and use it as a master for accounting, payroll, sales and inventory management. If there is a change in the registration, the master can be changed. The contents of the master are transmitted to the center system and stored in the customer information storage means 5. (3) A slip processing function that receives and accumulates daily slip input of individual customers. Input of transaction contents such as sales, purchases, expenses, reimbursement, deposit, withdrawal, cash transfer, etc. is accepted and stored in the storage means. When there is a change in the input content, it is possible to delete or correct the input content. The accumulated data is
The transaction form data is transmitted to the transaction form data receiving means 1 as transaction form data. Request function for requesting the creation of an individual customer summary table. A function of requesting the center system to create a summary table for accounting, payroll, sales and stock management, etc., based on the processed data stored in the processed data storage means 4. (4) An encryption function for encrypting communication on a network and a decryption function for decrypting encrypted data. It has encryption and decryption functions to communicate on a public network such as the Internet and to prevent decryption along the route and various communication obstructive actions accompanying the decryption. (5) The customer terminal program that implements the above functions
There are a type that is installed on a customer's computer and a type that runs a program provided from a server on a user's computer. Also,
The functions of the terminal program may be distributed to a plurality of computers for the user's joint use on a network such as a LAN.

Next, the operation of this embodiment will be described. First, the transaction slip data receiving means 1 receives and accumulates the transaction slip data of the customer transmitted from the customer terminal 200 via the communication network 300. The transaction slip data is stored in the transaction slip data storage means 2 for each customer. Thereafter, the accounting processing proxy means 3 performs accounting processing for the transaction slip data. The processed data after the accounting process is
It is stored in the processed data storage means 4 for each customer. Thereafter, the credit service receiving means 7 receives a credit service application such as a loan from the customer together with the identification information of the customer. The customer identification information acquired by the credit service receiving means 7 is transferred to the score conversion means 8, and the processed data of the customer corresponding to the customer identification information is read from the storage means 4. The evaluation function stored in the evaluation function storage unit 6 is referred to, and the financial status and the transaction status such as financing based on the processed data of the customer are converted into a score. Next, the credit screening means 10
The criteria specified in the examination criteria storage means 9 are referred to, and whether to provide the credit service is determined based on the converted scores.
The result of the credit examination is stored in the examination result storage means 11 for each customer. Thereafter, the result of the credit examination is transmitted to the customer terminal by the examination result output means 12 in response to the customer's browsing request.

According to this, it is possible to provide an automatic financing and screening system for automatically processing the financing and the like of a customer who uses the accounting system by using an accounting system. For this reason, the processing cost of the credit business can be significantly reduced. In addition, since the window for using the automatic screening system for loans and the like is opened to the communication network, the convenience for customers can be improved.

[0031]

Since the present invention is updated and functions as described above, according to the present invention, the score conversion means reads out the accounting data of the customer corresponding to the identification information of the customer from the storage means, and stores the evaluation function. Converted into a score based on the evaluation function stored in the means, and the credit examination means refers to the criteria defined in the examination criteria storage means, and determines whether to provide the credit service based on the converted score, It is possible to provide an automatic financing examination system for automatically processing a financing examination of a customer who uses the accounting system by using a proxy system for accounting processing. For this reason, the processing cost of the credit business can be significantly reduced. In addition, this automatic screening system for loans and the like can provide an unprecedented excellent automatic screening system for loans and the like that can improve customer convenience by opening a window for use on a communication network. .

[Brief description of the drawings]

FIG. 1 is a block diagram showing the configuration of an embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Transaction slip data receiving means 2 Transaction slip data storage means 3 Accounting processing substitute means 4 Processed data storage means 5 Customer information storage means 6 Evaluation function storage means 7 Credit service reception means 8 Rating conversion means 9 Examination criteria storage means 10 Credit examination Means 11 Examination result storage means 12 Examination result output means 100 Center system 200 Customer terminal 300 Communication network

Claims (2)

[Claims] 1. A transaction slip data receiving means for receiving and accumulating customer transaction slip data transmitted from a terminal via a communication network, a transaction slip data storage means for storing the transaction slip data for each customer, a transaction slip data Accounting agent processing means for acting on behalf of accounting, etc., processed data storage means for storing processed data after the accounting processing for each customer, customer information storage means for storing customer identification information for each customer, An evaluation function storage unit that stores an evaluation function that defines a correspondence relationship between the processed data and the evaluation score of a loan, etc .; a credit business reception unit that receives a credit business application for a loan or the like together with identification information of the customer from the customer; The processed data of the customer corresponding to the customer identification information obtained by the work reception unit is read from the storage unit, and the evaluation stored in the evaluation function storage unit is stored. Score conversion means for converting the score into a score based on the number; examination criteria storage means for defining the relationship between the grade and the availability of credit service; reference to the criteria defined in the examination criteria storage means; Credit examination means for deciding whether to provide a credit service based on the credit examination result, examination result storage means for storing the result of the credit examination for each customer, and means for outputting the result of the credit examination to the outside. An automatic screening system for loans, etc. linked to an accounting processing agency system. 2. The automatic credit and loan examination system according to claim 1, wherein said credit service receiving means receives a credit service application transmitted from a terminal via a communication network such as the Internet.