JP2002197271A - Method of finance chain service and its system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method and system of a finance chain service which can improve a builder's fund management and can pay properly to an order recipient by monetary facility's dealing a home mortgage as a pledge for paying to the order recipient who delivers construction and materials according to the order from the builder. SOLUTION: When the builder 1 makes a construction contract agreement with a client 3 and the client 3 makes the home mortgage contract with the monetary facility 5, the builder 1 orders construction and materials to a seller and a special construction agency 7 through the monetary facility 5. When the seller and the special construction agency 7 completes the construction and delivery and a bill is issued, the bill is sent from the seller and the special construction agency 7 to the monetary facility 5 through the builder 1. The monetary facility pays to the seller and the special construction agency 7 in substitution for the builder 1 on security of the home mortgage.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a construction contractor who has made a mortgage contract with a financial institution based on a building contract contract between a client who mainly requests the construction of a building and a contractor who contracts the building. A finance chain service in which a financial institution pays the seller / special contractor on behalf of a construction company by using a mortgage loan as a mortgage loan when ordering each building work or building material from the seller / special contractor to which the order is placed. And about the system.

[0002]

2. Description of the Related Art When a building such as a home is to be constructed, the owner, who is the builder, makes a construction contract with a construction company, and after making a mortgage contract with a financial institution based on the construction contract, the construction company. Ask for construction. Upon receiving a construction request from the owner, the construction company orders construction work and building materials to the seller / special contractor who is the ordering party. When the seller / special contractor carries out the work and delivery of the materials ordered from the contractor, he / she invoices the contractor for the work and delivery.

[0003] The contractor pays for such a request from the seller / special contractor, but the contractor generally pays the seller / special contractor with his own funds or a down payment from the owner. As payments are being made, the funds for these payments are often inadequate and often have financial difficulties. In particular, when a construction company handles a plurality of houses in parallel, financing becomes a problem, and the number of houses that can be built at the same time is limited.

[0004]

As described above, the construction company pays to the seller / special contractor with its own funds or a down payment from the owner, so the funds for the payment are often insufficient. In addition, there is a problem that payment to sellers / special contractors is often postponed.

[0005] As a result, there is a problem that the trust of the supplier is lost, and in some cases, a reliable construction or delivery cannot be expected. There is also a problem that the price of is higher than necessary.

[0006] Further, in the case where a construction shop is working on a plurality of house constructions in parallel, such a problem of financing is obvious, and the number of houses that can be constructed simultaneously even by excellent construction shops is obvious. However, there is a problem in that there is often a need to refuse requests from those who request construction, especially with the desire for excellent construction shops.

[0007] Furthermore, since a construction shop has not conventionally managed funds for each house, if a plurality of houses are constructed in parallel, the book management becomes ambiguous and a shortage of funds occurs. There's a problem.

[0008] The present invention has been made in view of the above,
The purpose of the project is to provide the construction company with a mortgage loan to pay to the seller / special contractor, which is the supplier of the construction and materials in response to the order from the construction company. Financing and provide accurate payment to sellers and professional contractors, thereby providing reliable construction and delivery of materials, and thereby providing a finance chain service method and system that can improve the quality of home construction. Is to do.

[0009]

In order to achieve the above-mentioned object, the present invention according to claim 1 is based on a construction contract contract between a client who mainly requests the construction of a building and a contractor who contracts the building. Finance when the owner makes a mortgage loan contract with a financial institution and the construction firm pays the seller / special contractor the price when the contractor orders each building work or building material to the seller / special contractor. In a chain service method, a construction shop orders each building work or building material from a construction shop system to a supplier system through a network in accordance with the building contract, and the supplier receives an order from the construction shop received by the generation destination system. Perform the construction or delivery according to the order, and the construction company inspects the construction or delivery at the supplier, and confirms that the construction or delivery is completed by this inspection. Then, the construction / delivery completion inspection result is notified from the system in the construction shop to the system in the financial institution and the supplier system via the network, and the supplier receives the construction / delivery completion inspection result from the construction shop in the supplier system. The invoice for the construction or delivery is transmitted from the supplier system to the system in the construction shop via the network, and the construction shop receives the bill from the supplier system in the system in the construction shop, and then the bill is sent together with the construction / delivery completion certificate. Sent to the financial institution system, and the financial institution receives the invoice and the construction / delivery completion certificate from the in-house system in the financial institution system, and places an order for payment for this invoice with the mortgage contracted with the owner as collateral. The gist is to do this first.

According to the first aspect of the present invention, when each construction work or building material is ordered from the system in the construction shop to the supplier system, the supplier performs the construction or the delivery according to the order, and the construction firm performs When the construction or delivery of the supplier is inspected and the completion of the construction or delivery is confirmed, the result of the construction / delivery completion inspection is notified from the system in the construction company to the system in the financial institution and the supplier system, and the supplier performs the construction / delivery completion inspection. Upon receiving the result, the invoice is transmitted to the system in the construction company, and the construction company transmits the invoice to the system in the financial institution together with the construction / delivery completion certificate, and the system in the financial institution sends the invoice and the construction / delivery completion certificate When the contract is received, the mortgage is paid to the supplier using the mortgage as collateral. It is possible to improve the deterioration of cash flow due to the difference in payment time, to make payment to the supplier relatively quickly without delay, to prevent the construction company from diverting funds, and for the construction company to Even if the construction cannot be continued, it is easy to take over the construction at another construction shop.

According to a second aspect of the present invention, the owner makes a mortgage contract with a financial institution based on a construction contract between the owner who requests construction of the building and the contractor who undertakes the construction. A finance chain service method in which a contractor pays a price to a seller / special contractor when ordering each building or building material to a supplier / special contractor through a center, The contractor orders each building or building material from the contractor system via the network and the center system according to the contract contract from the contractor system, and the contractor responds to the order received from the contractor system by the contractor system. Perform construction or delivery, and the construction company inspects the construction or delivery at the supplier, and confirms that the construction or delivery is completed by this inspection. And the construction / delivery completion inspection result is notified from the system in the construction company to the system in the financial institution and the supplier system via the network and the center system, and the supplier receives the construction / delivery completion result from the construction company in the supplier system. And the invoice for the construction or delivery is transmitted from the supplier system to the system in the construction shop via the network and the center system, and the construction shop receives the bill from the supplier system in the system in the construction shop, and / Sent to the financial institution system via the center system along with the delivery completion certificate. When the financial institution receives the invoice and the construction / delivery completion certificate from the system in the construction company at the financial institution system, the mortgage contracted with the owner The gist is that payment for this invoice is made to the supplier with the security as the security.

According to the second aspect of the present invention, when each construction work or building material is ordered from the system in the construction shop to the supplier system, the supplier performs the construction or the delivery according to the order, and the construction firm performs the delivery. When the construction or delivery of the supplier is inspected and the completion of the construction or delivery is confirmed, the result of the construction / delivery completion inspection is notified from the system in the construction company to the system in the financial institution and the supplier system, and the supplier performs the construction / delivery completion inspection. Upon receiving the result, the invoice is transmitted to the system in the construction company, and the construction company transmits the invoice to the system in the financial institution together with the construction / delivery completion certificate, and the system in the financial institution sends the invoice and the construction / delivery completion certificate When the contract is received, the mortgage is paid to the supplier using the mortgage as collateral. It is possible to improve the deterioration of cash flow due to the difference in payment time, to make payment to the supplier relatively quickly without delay, to prevent the construction company from diverting funds, and for the construction company to Even if the construction cannot be continued, it is easy to take over the construction at another construction shop.

Further, the present invention according to claim 3 provides the invention according to claim 1.
In the invention according to the second aspect, the gist of the present invention is to have a system in an inspection organization that performs inspection of construction or delivery at a supplier in the construction shop on behalf of the construction shop.

According to the third aspect of the present invention, the system in the inspection organization performs construction or delivery inspection at the place of order instead of the construction shop.

According to a fourth aspect of the present invention, in the second aspect of the present invention, the center system has a house-by-house order management database storing a member supplier list, and the order processing is performed by the house-by-house. The gist is to place an order in accordance with the member ordering list stored in the ordering management database, and to update the ordering list in the house-based ordering management database based on an order-related event such as this ordering.

According to the fourth aspect of the present invention, an order is placed in accordance with a member supplier list stored in the house-based order management database, and house-based order management is performed based on an order-related event such as this order. Update the supplier list in the database.

The construction of the building includes renovation of the building.

According to a fifth aspect of the present invention, the owner makes a mortgage loan contract with a financial institution based on a construction contract between the owner who requests construction of the building and the contractor who undertakes construction. This is a finance chain service system that is used when a contractor pays a price to a seller / special contractor when ordering each building or building material from a supplier / special contractor. Ordering means for ordering each building work or building material from the system in the construction shop to the supplier system via the network according to the building contract, and an ordering means provided at the supplier and receiving the order from the construction firm received by the generation destination system. Command means for commanding to carry out construction or delivery accordingly;
It is set up in a construction shop and inspects the construction or delivery at the supplier, confirms that the construction or delivery has been completed, and financially reports the construction / delivery completion result from the in-house system via the network. Inspection result notifying means for notifying the in-house system and the supplier system, and, provided at the supplier, receiving the construction / delivery completion inspection result from the contractor at the supplier system, the invoice for the construction or delivery is sent to the supplier system. Means for sending an invoice to the in-house system via a network from the company, and when the in-house system receives the invoice from the supplier system, the invoice is sent to the financial institution together with the construction / delivery completion certificate. Means for sending a construction / delivery completion certificate to be sent to the in-house system, and a Upon receipt of the invoice and construction / delivery completion certificate from the beam, as collateral for housing loans has contracted with the Buyer, and summarized in that and a payment means to pay for this invoice to the vendor.

According to the fifth aspect of the present invention, when each building work or building material is ordered from the system in the construction shop to the supplier system, the supplier performs the construction or delivery according to the order, and the construction shop performs When the construction or delivery of the supplier is inspected and the completion of the construction or delivery is confirmed, the result of the construction / delivery completion inspection is notified from the system in the construction company to the system in the financial institution and the supplier system, and the supplier performs the construction / delivery completion inspection. Upon receiving the result, the invoice is transmitted to the system in the construction company, and the construction company transmits the invoice to the system in the financial institution together with the construction / delivery completion certificate, and the system in the financial institution sends the invoice and the construction / delivery completion certificate When the contract is received, the mortgage is paid to the supplier using the mortgage as collateral. It is possible to improve the deterioration of cash flow due to the difference in payment time, to make payment to the supplier relatively quickly without delay, to prevent the construction company from diverting funds, and for the construction company to Even if the construction cannot be continued, it is easy to take over the construction at another construction shop.

According to a sixth aspect of the present invention, the owner makes a mortgage contract with a financial institution based on a construction contract between the owner who requests construction of the building and the contractor who undertakes construction. A finance chain service system in which a contractor pays a price to a seller / special contractor when ordering each building work or building material to a supplier / special contractor through a center, An ordering means provided at the contractor for ordering each building work or building material from the system in the contractor to the supplier system via the network and the center system in accordance with the building contract, and a receiving means provided at the supplier and received by the supplier system. Command means for instructing that construction or delivery be performed in response to an order from a contractor, Inspection of the delivery and confirming that the construction or delivery is completed by this inspection, the construction / delivery completion inspection result is notified from the system in the construction company to the system in the financial institution and the system of the supplier via the network and the center system. Inspection result notifying means to be provided and provided at the supplier, and when the supplier system receives the construction / delivery completion inspection result from the construction company, an invoice for the construction or delivery is sent from the supplier system via the network and center system to the construction company. An invoice transmitting means for transmitting the invoice to the in-store system, and the in-house system, when the invoice is received from the supplier system by the in-house system, the invoice is sent to the financial institution via the center system together with the construction / delivery completion certificate. A means for sending a construction / delivery completion certificate to be sent to the system, and a Upon receipt of the invoice and construction / delivery completion certificate from the builder-store system in the absence of,
The gist of the present invention is to have a payment means for paying the invoice to the ordering party, with the mortgage contracted with the owner as collateral.

According to the present invention as set forth in claim 6, when each building work or building material is ordered from the system in the construction shop to the supplier system, the supplier performs the construction or delivery according to the order, and the construction shop performs When the construction or delivery of the supplier is inspected and the completion of the construction or delivery is confirmed, the result of the construction / delivery completion inspection is notified from the system in the construction company to the system in the financial institution and the supplier system, and the supplier performs the construction / delivery completion inspection. Upon receiving the result, the invoice is transmitted to the system in the construction company, and the construction company transmits the invoice to the system in the financial institution together with the construction / delivery completion certificate, and the system in the financial institution sends the invoice and the construction / delivery completion certificate When the contract is received, the mortgage is paid to the supplier using the mortgage as collateral. It is possible to improve the deterioration of cash flow due to the difference in payment time, to make payment to the supplier relatively quickly without delay, to prevent the construction company from diverting funds, and for the construction company to Even if the construction cannot be continued, it is easy to take over the construction at another construction shop.

According to a seventh aspect of the present invention, in the invention of the fifth or sixth aspect, there is provided a system in an inspection organization for inspecting construction work or delivery at an order destination in the construction shop on behalf of the construction shop. Make a summary.

According to the seventh aspect of the present invention, the system in the inspection organization inspects the construction or delivery at the place of order instead of the construction shop.

The present invention according to claim 8 provides the present invention according to claim 6.
In the invention described in the above, the center system has a house ordering management database storing a member ordering list, and the ordering means places an order according to the member ordering list stored in the house ordering management database. The gist of the present invention is to have means for updating the ordering party list in the house-based ordering management database based on events related to ordering such as ordering.

According to the present invention, an order is placed in accordance with a member supplier list stored in the house-based order management database, and house-based order management is performed based on an order-related event such as this order. Update the supplier list in the database.

The architecture of the building includes remodeling of the building.

[0027]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is an explanatory diagram illustrating a configuration of a finance chain service system that implements a finance chain service method according to the first embodiment of the present invention. The finance chain service system shown in the figure is based on a construction contract between a client who requests construction or renovation (hereinafter simply referred to as “building”) of a building and a contractor who contracts the building. A loan contract is made, and the financial institution uses the mortgage as a mortgage as a security for the seller / specialized construction work when the construction firm orders the building or building materials from the supplier that is the seller / specialized construction contractor. You pay the trader.

Referring to FIG. 1, the finance chain service system of the present embodiment will be schematically described. In FIG. 1, when a construction contract is made between a contractor 1 that undertakes construction and a client 3 that is a contractor who requests construction of a building such as a house, the client 3 communicates with the financial institution 5 based on the contract. Make a mortgage contract. And the construction shop 1
Makes an order for each building work or building material to the seller / special contractor 7 based on the building contract contract with the owner 3. In addition, events related to ordering such as this order,
As shown in the figure, the contractor 1 performs the operation with the approval of the financial institution 5.

The contractor 1 makes a contract with the financial institution 5 for payment to the seller / special contractor 7 for an event related to ordering such as this ordering. In this payment agency contract, as a result of the contractor 1 ordering construction or materials from the seller / special contractor 7 and the seller / special contractor 7 performing the construction or delivery of the materials, the seller / special contractor 7 This is a contract in which the financial institution 5 pays the amount of the claim made by the trader 7 to the construction company 1 on behalf of the construction company 1.

The seller / special contractor 7 receives an order for construction or building materials from the construction company 1 and completes the construction or delivery in accordance with an order-related event such as this order. Then, the construction company 1 is notified of the completion. In response to the notification, the construction company 1 inspects whether the construction or delivery by the seller / specialized construction company 7 is being performed properly, and the construction or delivery is properly completed by this inspection. When it is confirmed, the result of the construction / delivery completion inspection is notified to the seller / specialized construction company 7 and the financial institution 5.

When the seller / specialized construction company 7 receives the result of the construction / delivery completion inspection from the construction company 1, it sends a bill for the construction or delivery to the construction company 1. Construction shop 1
Receives the invoice from the seller / specialized contractor 7,
The bill is transmitted to the financial institution 5 together with the construction / delivery completion certificate.

When the financial institution 5 receives the bill and the construction / delivery completion certificate from the construction company 1, the financial institution 5 pays the bill on behalf of the construction company 1 on behalf of the construction company 1 with the mortgage contracted with the owner 3 as collateral.・ Conduct to specialized construction companies 7.

Next, a finance chain service system that implements a finance chain service method according to a second embodiment of the present invention will be described with reference to FIG.

In the finance chain service system shown in the figure, a center system 9 is newly provided in the first embodiment shown in FIG. 1, and the above-mentioned construction shop 1, client 3, financial institution 5, and seller / special construction are provided. The difference is that each processing between the traders 7 is performed via the center system 9, and the other configurations and operations are the same.

Next, with reference to FIG. 3, the overall processing of the finance chain service system in the case where the center system 9 of each of the above-described embodiments, particularly the embodiment shown in FIG. 2, is provided will be described.

As shown in FIG. 3, in the finance chain service system, the construction company 1 first estimates the construction requested by the owner, and sends the estimation via the center system 9 and directly by fax or The information is transmitted to the seller / specialized construction company 7 by a dedicated terminal (process 1). The construction company 1 creates an execution budget based on the estimate (process 2). Next, the construction company 1
Then, the above-mentioned payment agency contract is made (process 3), an execution budget is created, and this execution budget is registered in the center system 9 (process 4). In the execution budget registration, an estimate for each construction, registration for payment by a financial institution, and the like are performed.

As described above, when the registration of the execution budget is completed, the construction company 1 places orders for construction and building materials via the center system 9 and also directly sells the products to the sellers / specialists by fax or dedicated terminal. This is performed by the trader 7 (process 5). The seller / special contractor 7 executes the evented construction and delivery of the materials related to the ordering such as this ordering, and when the construction and the delivery are completed, notifies the construction company 1 of the completion. In response to this notification, the construction company 1 inspects whether the construction and delivery by the seller / specialized construction company 7 are being performed properly, and the construction and delivery are properly completed by this inspection. When this is confirmed, construction completion inspection registration is performed (processing 6), and the registered construction completion inspection result is notified to the seller / specialized construction company 7 and the financial institution 5 (processing 7).

Upon receiving the result of the construction completion inspection from the construction shop 1, the seller / special construction company 7 issues a bill for the construction and delivery to the construction shop 1 (process 8). Construction shop 1
Receives the invoice from the seller / specialized contractor 7,
The bill is sent to the financial institution 5 together with the construction completion certificate (process 9).

When the financial institution 5 receives the bill and the construction completion certificate from the construction company 1, it checks the construction site (processing 1).
0) Then, the payment date is adjusted with the seller / special contractor 7 (process 11). When the adjustment of the payment date is completed, the financial institution 5 pays the bill to the seller / special contractor 7 on behalf of the construction company 1 with the mortgage contracted with the owner 3 as collateral (process 12). ).

As described above, the financial institution 5 pays the seller / special contractor 7 on behalf of the construction company 1 with the mortgage contracted with the client 3 as collateral,
Work shop 1 no longer needs to think about cash flow,
Can improve the deterioration of cash flow due to the difference between the time when the company earns and the time when the company pays, and as shown in FIG. As shown by the dotted line, the payment was made two months after the execution of the construction, whereas the payment was made by the financial institution 5 to the seller / special construction contractor 7 as in the present embodiment. The payment to the seller / special contractor 7 is made relatively early, with little delay, as indicated by the thick solid arrow.

Further, as described above, when the construction is completed, the financing for the construction company 1 or the owner 3 is not made to the construction company 1 but to the seller /
By paying to the special contractor 7, the construction company 1 can be prevented from diverting funds.

Further, by paying the amount of funds based on the notice of the completion of the construction for each process, the performance of the house can be maintained, and even if the construction company 1 cannot continue the construction for some reason, It will be easier to take over the construction work at the construction company.

As described above, the interest in financing to the construction company can be reduced to the construction company or the owner by enabling the improvement of the cash flow of the construction company 1 and the continuation of the construction and reducing the credit risk of the supplier to the construction company. Without adding, interest can be derived from a part of the supplier's provision. By notifying the financial institution of the approval of the order contents of the construction company or the alarm based on the credit limit for each process, it is possible to prevent the construction company from over-ordering. Furthermore,
For example, by installing a remotely operable camera at a construction site and using it by a financial institution, it is also possible to accurately check the completion of the construction of each process.

Next, referring to FIG. 5, the first type shown in FIG.
A finance chain service system corresponding to the embodiment will be described.

The finance chain service system shown in FIG. 5 corresponds to the embodiment of FIG. 1, and is a system in which the center system 9 is not provided.
It is composed of a system 11 in the construction company provided in the construction company 1, a system 15 in the financial institution provided in the financial institution 5, and a system 17 in the seller / specialized construction company provided in the seller / specialized construction company 7. These are all interconnected via the Internet 4.

The in-house system 11 comprises a WWW browser 1a and an execution budget creation program 1b. The system 17 in the seller / specialized construction contractor is WW
It is composed of a W browser 7a.

The system 15 in the financial institution includes a firewall 51, a WWW server 53, and a processing program 5.
5, a house-based book database (DB) 57, a house-based account database (DB) 59, and a user management database (DB) 61. The house-based book database 57 stores the execution budget, the construction-related loan limit, the construction-based status information, and the caution list created and notified by the construction company 1 as described above. The house-specific account database 59 stores payment information, payment information, and balance information. The user management database 61 stores user information, user authority, ID, password, and related house information.

Next, the operation of the finance chain service system shown in FIG. 5 will be described with reference to the flowcharts shown in FIGS.

First, the contractor 1 makes a contract with the client 3 (step S11), and the client 3 makes a mortgage contract with the financial institution 5 (step S13). When these contracts are completed, the construction company 1 creates an execution budget using the execution budget creation program 1b of the in-house system 11 (step S15), and transmits the created execution budget from the WWW browser 1a via the Internet 4. To the financial institution system 15 to make a payment agency contract with the financial institution 5 (steps S17, S19).

When completing the payment agency contract with the construction company 1, the financial institution 5 opens a house-specific account for the contract (step S21). When the house-specific account is opened in the financial institution 5, the construction shop 1 registers the execution budget created by the execution budget creation program 1b in the in-house system 11 (step S23). The execution budget is transmitted to the financial institution system 15 via the Internet 4 and registered in the house-based book database 57 of the financial institution system 15 (step S25). When the execution budget is registered, the financial institution 5 sets a loan limit, and registers the loan limit and the construction-based loan limit in the house-based book database 57 of the system 15 in the financial institution (step S27). .

On the other hand, the construction shop 1 repeatedly executes each construction in the building, that is, the number of construction steps per house, and when the construction is completed (step S29), the completion of construction is registered from the WWW browser 1a of the system 11 in the construction shop. This is performed for the system 15 in the financial institution via the Internet 4 (step S31), and the system 15 in the financial institution accepts this registration (step S33).

When the financial institution 5 receives the registration from the in-house system 11 in the institutional financial institution 15, the financial institution 5 determines whether or not the amount exceeds the lending limit set as described above (step S35). If the loan limit is exceeded, update the status information (construction completion registration N
G) is performed (step S37), and a caution list is created and registered in the house-specific book database 57 (step S41). If the loan limit has not been exceeded,
The status information is updated (construction completion registration is OK) (step S39).

Then, the system 15 in the financial institution displays the reception result (step S43), and transmits the reception result to the system 11 in the construction shop for confirmation (step S43).
45). Then, the in-house system 11 sends the inspection pass certificate to the institutional system 15 (step S4).
7), the system 15 in the financial institution accepts the inspection pass (step S49).

As described above, when the inspection pass certificate is issued, the seller / special contractor 7 sends a bill for the construction carried out by himself / herself to the financial institution 5 (step S51). This bill is received (step S53). Further, the financial institution 5 checks the caution list stored in the house-specific book database 57 in the system 15 within the financial institution (step S55), and further checks the status information stored in the house-specific book database 57 (step S55). (Step S57), the invoice from the seller / special contractor 7 is transferred to the seller / special contractor 7 (step S61), and the seller / special contractor 7 confirms the transfer (step S63). ).

In the financial institution system 15, when the transfer is made to the seller / special contractor 7 as described above, the payment information and the balance information stored in the house-specific account database 59 are updated (steps S65 and S67). ), And further updates the status information stored in the house-specific book database 57 to paid (step S69).

Upon confirming the transfer from the financial institution 5, the seller / special contractor 7 sends a receipt to the financial institution 5 (step S71), and the financial institution 5 receives the receipt (step S73). ). Here, the inspection by the public corporation 6 is performed (step S75), and the loan from the public corporation 6 is
(Step S77), and the financial institution 5
Confirms this transfer (step S79). Note that the inspection by the public corporation 6 is performed in two steps, an intermediate inspection and a final inspection, and the payment is also performed in the intermediate inspection and the final inspection.

When the financial institution 5 confirms that the transfer has been made from the public corporation 6, the financial institution system 15 updates the deposit information and the balance information stored in the house-specific account database 59 (step S81). The above processing is performed for each construction.

[0058] All construction work in the construction company 1 is completed,
When the construction is completed (step S85), the construction company 1 performs a final inspection, and if it passes, registers the final inspection pass to the financial institution 5 (step S87), and the financial institution 5
Accepts this final inspection pass registration (step S8)
9).

The financial institution 5 determines whether or not the status of each construction stored in the house-specific book database 57 in the financial institution system 15 is completed (step S91). As a result of this determination, when each construction status is completed, the status information stored in the house-specific book database 57 is updated to completion registration OK (step S93), and each construction status is completed. If not, the status information is set to completion registration NG (step S95), and the reception result is displayed on the financial institution system 15 (step S95).
97), the result of the reception is transmitted to the in-house system 11 to be confirmed (step S99).

Then, the financial institution 5 sends an inspection pass to the financial institution 5 (step S101), and the financial institution 5 receives the inspection pass (step S103). When receiving the inspection pass certificate, the financial institution 5 checks the receipt with the receipt (step S105). Then, the financial institution 5 updates the payment information and the balance information stored in the house-specific account database 59 by the system 15 within the financial institution (steps S107 and S109), and transfers the gross profit to the construction company 1 account. Perform (Step S111).

Next, referring to FIG. 9, the second
A finance chain service system corresponding to the embodiment will be described.

The finance chain service system shown in FIG. 9 corresponds to the embodiment of FIG. 2, and is a system provided with the center system 9. In the finance chain service system shown in FIG. 9, a part other than the house account database 59 is extracted from the system 15 in the financial institution of the finance chain service system shown in FIG. 5, and the extracted part constitutes the center system 9. The difference is that, in addition to the system, the WWW browser 25a and the deposit / payment processing program 25b are added to the remaining house-based account database 59 to configure the system 25 in the financial institution.

That is, the system 25 in the financial institution
WW browser 25a, payment / payment processing program 25
b, It is composed only of the house-specific account database 59, so that only processing of payment information, payment information, and balance information for the house-specific account database 59 is performed.
The center system 9 includes a firewall 51, W
It comprises a WW server 53, a processing program 55, a house-based book database 57, and a user management database 61. With this, the house-based book database 57 manages the execution budget, the loan amount for each construction, the status information for each construction, and the caution list. User management database 6
In FIG. 1, user information, user authority, ID, password, and related house information are managed.

Next, the operation of the finance chain service system shown in FIG. 9 will be described with reference to the flowcharts shown in FIGS.

The operation of the finance chain service system shown in FIGS. 10 to 12 is performed immediately after the loan limit registration processing in step S27 in the operation shown in FIGS.
Immediately before the caution list confirmation processing in step S55, immediately before the status information confirmation processing in step S57, and the status information update processing in step S69 (paid)
Immediately after this, the loan limit setting process of the center system 9 is added as step S28, the caution list display process is added as step S54, the status information display process is added as step S56, and the status information update process (paid ) Is added as step S70, and the execution budget book registration process (step S25) and the registration acceptance process (step S3) performed in the financial institution 5 in FIGS.
3) processing for determining whether the loan limit has been exceeded (step S35), status information update processing (construction completion registration NG) (step S37), status information update processing (construction completion registration OK) (step S39), Caution list creation processing (Step S41), reception result display processing (Step S43), registration reception processing (Step S8)
9), processing for determining whether or not each construction status is completed (step S91), status information update processing (completion registration OK) (step S93), status information update processing (completion registration NG) (step S95), The difference is that the reception result display process (step S97) is changed to be performed by the center system 9 instead of the financial institution 5, and the other operations are the same.

That is, in the finance chain service system of the present embodiment, the center system 9 replaces the financial institution 5 with the execution budget, the loan amount for each construction, the status information for each construction, the caution list, the user information, the user authority, the ID. , Passwords, related house information,
The financial institution system 25 manages payment information, payment information, and balance information.

Next, a finance chain service system according to a third embodiment of the present invention will be described with reference to FIG.

The finance chain service system shown in FIG. 13 is provided with a system 8 in the inspection organization for the finance chain service system shown in FIG. The difference is that the inspection is performed in place of the construction shop 1, and other configurations and operations are the same. Note that the inspection institution system 8 is connected to the Internet 4
Has a WWW browser 8a for connecting to the Internet.

Next, the operation of the finance chain service system shown in FIG. 13 will be described with reference to the flowcharts shown in FIGS.

The operation of the finance chain service system shown in FIGS. 14 to 18 is different from the operation shown in FIGS. 10 to 12 in steps S351-S361, S371, and S351.
S391, S411-S417, S911-S921,
Steps S931-S941 are added, and steps S43-S4
9, except that S97-S105 is deleted, and the other actions are the same.

The above-mentioned changes will be described. First,
The processing for determining whether or not the loan limit has been exceeded in step S35 is performed by the center system 9 as described above, and as a result of this determination, when the loan limit has not been exceeded, the center system 9 A notification process for notifying the system 8 is performed (step S351). Upon receiving this notification, the in-laboratory system 8 (step S35)
3) Perform a physical inspection (step S355). And
The result of the on-site inspection is registered (step S357), and the inspection result is registered in the center system 9 (step S359). The center system 9 determines whether the result of the on-site inspection is OK based on the registration of the inspection result (step S361). If the inspection result is OK, the process proceeds to step S39. If not, the process proceeds to step S37.

When the center system 9 creates the caution list as described above in step S41, the created caution list is notified from the center system 9 to the system 25 in the financial institution (step S411). Upon receiving the caution list, the system 25 in the financial institution confirms this (step S41).
3). Further, the center system 9 notifies the status information to the system 25 in the financial institution (step S415),
The system 25 in the financial institution receives this and confirms it (step S417).

Further, in step S91, the center system 9 determines whether or not each construction status is completed as described above, and as a result of this determination processing, when each construction status is completed. Is notified to the inspection institution system 8 (step S
911). Upon receiving this notification (step S913), the system 8 in the inspection organization performs an on-site inspection (step S915), and registers the inspection result in the center system 9 (steps S917 and S919). Then, the center system 9 determines whether the result of the on-site inspection is OK based on the registered inspection result (step S921). As a result of this determination, if the inspection result is OK, the process proceeds to step S95. If not, the process proceeds to step S93.

When the center system 9 updates the status information to completion registration NG in step S93, the center system 9 notifies the financial institution system 25 of the updated status information (step S93).
1), the financial institution system 25 confirms this (step S933). Further, the center system 9 displays the caution list and status information (step S9).
35, S939), the financial institution system 25 confirms these caution lists and status information (steps S937, S941). Then, the process continues to step S107.

Next, a finance chain service system according to a fourth embodiment of the present invention will be described with reference to FIG.

In the finance chain service system shown in FIG. 19, a house-based ordering management database (DB) 63 is newly added to the center system in the finance chain service system of the third embodiment shown in FIG. This is different from the first embodiment in that the center system 19 is configured so as to cooperate with ordering, and other configurations and operations are the same. In addition,
The house-based order management database 63 stores a member supplier list and status information.

Next, the operation of the finance chain service system shown in FIG. 19 will be described with reference to the flowcharts shown in FIGS.

The operations of the finance chain service system shown in FIGS. 20 to 24 are different from the operations shown in FIGS. 14 to 18 in steps S231 to S233 and S28.
Steps S43-S49 and S43 are added.
The difference is that 97-S105 is deleted, and the other actions are the same.

The above changes will be described. First,
When the in-house system 11 registers the execution budget in step S23, the in-house system 11 registers the member supplier list in the center system 19 (step S231), and the center system 1
No. 9 registers the member supplier list in the house-specific order management database 63 (step S233).

In step S28, when the center system 19 sets the loan limit, the in-house system 11 places an order for components to the center system 19 (step S281), and the center system 19 receives the order and the like. An event related to order placement is received (step S283). When receiving the order from the in-house system 11, the center system 19 notifies the financial institution system 25 of the approval request (step S285), and the financial institution system 25 receives the approval request (step S28).
7), the order is approved (step S289), and the center system 19 receives this approval (step S29).
1). The center system 19 is a system 25 in a financial institution.
Upon receiving an order approval from the company, the order is notified to the seller / special contractor 7 (step S293). Upon receiving the order from the center system 19, the seller / special contractor 7 checks the order contents (step S295) and registers the delivery date (step S297). Further, the center system 19 updates the member ordering list in the house-based ordering management database 63 (step S299), notifies the ordering result to the in-house system 11 (step S301). The result of the event related to the order is confirmed (step S303).

[0081]

As described above, according to the present invention,
When an order is sent from the in-house system to the supplier system, the supplier performs construction or delivery according to the order, and the construction company inspects the construction or delivery of the supplier and confirms the completion of the construction or delivery. Notifies the construction / delivery completion inspection result to the system in the financial institution and the supplier system. When the supplier receives the construction / delivery completion inspection result, the supplier sends an invoice to the construction in-house system, and the construction agency sends the invoice to the system. The construction and delivery completion certificate is sent to the system in the financial institution, and the system in the financial institution receives the invoice and the construction / delivery completion certificate, and pays to the supplier using the mortgage as collateral. It is no longer necessary to consider the cash flow as in the above, and it is possible to improve the deterioration of the cash flow due to the difference between when the contractor earns income and when to pay, and also to pay to the supplier Can be performed quickly without delay, and furthermore, it is possible to prevent construction workers from diverting funds, and if construction work cannot be continued for any reason, construction work can be taken over by another construction firm. It becomes easier.
Also, the owner can get a full guarantee for the purchased house.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing a configuration of a finance chain service system that implements a finance chain service method according to a first embodiment of the present invention.

FIG. 2 is an explanatory diagram illustrating a configuration of a finance chain service system that implements a finance chain service method according to a second embodiment of the present invention.

FIG. 3 is an explanatory diagram showing the overall processing of the finance chain service system of the embodiment shown in FIG.

FIG. 4 is an explanatory diagram showing a flow of funds in the finance chain service system of the embodiment shown in FIGS. 1 and 2;

FIG. 5 is a block diagram showing a detailed configuration of a finance chain service system corresponding to the first embodiment shown in FIG.

FIG. 6 is a flowchart showing a part of the operation of the finance chain service system shown in FIG. 5;

FIG. 7 is a flowchart showing a part of the operation of the finance chain service system shown in FIG. 5 subsequent to FIG. 6;

FIG. 8 is a flowchart showing the remaining part of the operation of the finance chain service system shown in FIG. 5 subsequent to FIG. 7;

FIG. 9 is a block diagram showing a detailed configuration of a finance chain service system corresponding to the second embodiment shown in FIG.

FIG. 10 is a flowchart showing a part of the operation of the finance chain service system shown in FIG. 9;

11 is a flowchart showing a part of the operation of the finance chain service system shown in FIG. 9 subsequent to FIG. 10;

12 is a flowchart showing the remaining part of the operation of the finance chain service system shown in FIG. 9 subsequent to FIG. 11;

FIG. 13 is a block diagram illustrating a configuration of a finance chain service system according to a third embodiment of the present invention.

FIG. 14 is a flowchart showing a part of the operation of the finance chain service system shown in FIG.

FIG. 15 is a flowchart showing a part of the operation of the finance chain service system shown in FIG. 13 subsequent to FIG. 14;

FIG. 16 is a flowchart showing a part of the operation of the finance chain service system shown in FIG. 13 subsequent to FIG. 15;

FIG. 17 is a flowchart showing a part of an operation subsequent to FIG. 16 of the finance chain service system shown in FIG. 13;

FIG. 18 is a flowchart showing the remaining portion of the operation of the finance chain service system shown in FIG. 13 subsequent to FIG. 17;

FIG. 19 is a block diagram showing a detailed configuration of a finance chain service system according to a fourth embodiment of the present invention.

20 is a flowchart showing a part of the operation of the finance chain service system shown in FIG.

21 is a flowchart showing a part of an operation subsequent to FIG. 20 of the finance chain service system shown in FIG. 19;

FIG. 22 is a flowchart showing a part of the operation of the finance chain service system shown in FIG. 19 following FIG. 21;

FIG. 23 is a flowchart showing a part of the operation of the finance chain service system shown in FIG. 19 following FIG. 22;

FIG. 24 is a flowchart showing the remaining portion of the operation of the finance chain service system shown in FIG. 19 following FIG. 23;

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 construction shop 3 client 4 internet 5 financial institution 6 public corporation 7 seller / specialized contractor 8 inspection institution system 9, 19 center system 11 construction institution system 15, 25 financial institution system 17 seller / specialized contractor system 57 House-based book database 59 House-based account database 61 User management database 63 House-based ordering management database

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 424 G06F 17/60 424 (72) Inventor Tomohiro Yamada 1-1-6 Uchisaiwaicho, Chiyoda-ku, Tokyo No. NTT Communications Inc. (72) Inventor Toru Otani 1-6-6 Uchisaiwaicho, Chiyoda-ku, Tokyo NTT Communications Inc. (72) Inventor Kaminaga Minoru 1-6-6 Uchisaiwaicho, Chiyoda-ku, Tokyo NTT Communications Co., Ltd. (72) Inventor Yasunori Okamoto 1-6-6 Uchisaiwaicho, Chiyoda-ku, Tokyo NTT Communications (72) Inventor Hide Nishioka 1-1-1 Uchisaiwaicho, Chiyoda-ku, Tokyo No. d j are NTT Communications Corporation in the

Claims (9)

[Claims] [Claim 1] Based on a construction contract contract passed between a client asking the architect to build the building and a contractor who contracts the building, the contractor performs a mortgage loan agreement with a financial institution, and the contractor sells and specializes construction work. This is a finance chain service method that pays the price to the seller / special construction contractor when ordering each building work or building material to the supplier who is the contractor, and the contractor works from the system in the contractor according to the contract contract. Building construction or building materials are ordered to the supplier system via the network, the supplier performs the construction or delivery according to the order received from the contractor in the destination system, and the contractor performs the construction or delivery at the supplier. When the delivery is inspected and it is confirmed by the inspection that the construction or the delivery is completed, the construction / delivery is performed from the system in the construction shop via the network.
The delivery completion inspection result is notified to the system in the financial institution and the supplier system. When the supplier receives the construction / delivery completion inspection result from the contractor in the supplier system, the supplier sends an invoice for the construction or delivery to the network from the supplier system. When the invoice is received from the supplier system by the in-house system, the invoice is transmitted to the system in the financial institution together with the construction / delivery completion certificate via the in-house system. A method of receiving a bill and a construction / delivery completion certificate from the system in the institution at the institution, and paying the bill to the ordering party with the mortgage contracted with the owner as collateral, . 2. The contractor makes a mortgage loan agreement with a financial institution based on a construction contract contract between a client who requests construction of the building and a contractor who contracts the building, and the contractor sells the contract through the center. This is a finance chain service method for paying the seller / special contractor the price when ordering each building work or building material to the supplier who is a contractor / special contractor. In accordance with the contract, each building work or building material is ordered to the supplier system via the network and center system, and the supplier performs the construction or delivery according to the order received from the contractor in the supplier system. Inspects the construction or delivery at the supplier and confirms that the construction or delivery has been completed. Informs the construction / delivery completion inspection result to the system in the financial institution and the supplier system via the network and center system. When the supplier receives the construction / delivery completion inspection result from the contractor in the supplier system, the construction / delivery completion is received. Is sent from the supplier system to the in-house system via the network and the center system. When the in-house system receives the invoice from the supplier system, the invoice is sent together with the construction / delivery completion certificate. The system transmits to the system in the financial institution via the center system. When the financial institution receives the invoice and the construction / delivery completion certificate from the in-house system in the system in the financial institution, the financial institution uses the mortgage contracted with the client as collateral to secure the bill. A finance chain service method, in which payment for a document is made to a supplier. 3. The finance chain service method according to claim 1 or 2, further comprising a system in an inspection organization for inspecting construction work or delivery at an ordering party in the construction shop on behalf of the construction shop. 4. The center system has a house-based ordering management database storing a member ordering list, and the ordering process performs ordering according to a member ordering list stored in the house-based ordering management database. 3. The finance chain service method according to claim 2, wherein the order list is updated on the basis of an order-related event such as the order. Claim 5: Based on the construction contract contract between the owner who requests construction of the building and the contractor who undertakes the building, the contractor makes a mortgage contract with the financial institution, and the contractor sells and specializes construction work. This is a finance chain service system for paying sellers / special contractors the price when ordering each building work or building materials to the contractor who is the contractor. An ordering means for ordering construction or building materials from the system in the construction shop to the supplier system via the network, and the construction and delivery provided at the supplier, in accordance with the order received from the construction firm by the construction destination system. Command means for issuing a command to the contractor, and inspect the construction or delivery at the supplier, and confirm that the construction or delivery has been completed by this inspection. When it is confirmed that the construction / delivery completion inspection result is notified from the system in the construction company via the network to the system in the financial institution and the system of the supplier, the inspection result notification means provided in the supplier and the supplier system Construction /
Upon receipt of the delivery completion inspection result, an invoice transmission means for transmitting an invoice for the construction or delivery from the ordering system to the in-house system via the network, and an invoice provided in the in-house and ordering the invoice in the in-house system Construction / delivery completion certificate transmitting means for transmitting the bill to the system in the financial institution together with the construction / delivery completion certificate when received from the destination system; A finance chain service system comprising, upon receipt of a certificate and a construction / delivery completion certificate, payment means for paying the bill to an orderee, using the mortgage contracted with the owner as collateral. 6. The contractor makes a mortgage loan contract with a financial institution based on a construction contract contract between a contractor who requests construction of the building and a contractor who contracts the building, and the contractor sells through the center. Is a financing chain service system that pays the seller / special contractor the price when ordering each building work or building material to the supplier who is a contractor / special contractor. An ordering means for ordering each building work or building material from the system in the contractor to the contractor system via the network and center system in accordance with the contract, and according to the order from the contractor provided by the contractor and received by the contractor system A command means for instructing that the construction or delivery be performed, and the construction or delivery service provided by the contractor for inspecting the construction or delivery at the supplier, After confirming that the construction or delivery has been completed, the system
Inspection result notifying means for notifying the financial institution system and the supplier system of the results of the construction / delivery completion inspection via the center system.
Upon receipt of the delivery completion inspection result, an invoice transmitting means for transmitting an invoice for the construction or delivery from the ordering system to the in-house system via the network and the center system, and an invoice transmission means provided in the in-house shop and invoiced in the in-house system And a construction / delivery completion certificate transmitting means for transmitting the invoice together with the construction / delivery completion certificate to the system in the financial institution via the center system upon receipt of the invoice from the ordering system. When the in-house system receives the invoice and the construction / delivery completion certificate from the in-house system, it has a payment means for paying the invoice to the ordering party with the mortgage contracted with the owner as collateral. Finance chain service system. 7. The financing chain service system according to claim 5, further comprising a system in an inspection organization for inspecting construction or delivery at an ordering place in said contractor on behalf of the contractor. 8. The center system has a house ordering management database storing a member ordering list, and the ordering means performs ordering in accordance with the member ordering list stored in the house ordering management database. 7. The finance chain service system according to claim 6, further comprising means for performing the ordering and updating the ordering party list in the house-based ordering management database based on an ordering-related event such as the ordering. 9. The finance chain service method according to claim 1, wherein the building of the building includes a renovation of the building.