JP2002236844A - Business office information providing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system allowing a third person to browse information useful for evaluating credit of a medium/small-scale enterprise by extracting the information from a transaction result of a commodity and service of respective enterprises. SOLUTION: In an organization entrusted with outsourcing business by receiving a request from a business office, this business office information providing system provides the transaction result for the third person as credit information on the business office, and has a business office information acquiring means 11 for acquiring information on the business office, and a data browsing means 2 allowing the third person to browse business office information acquired by the business office information acquiring means and transaction result data stored in a data storage means via a terminal network. The transaction result data includes transaction period data for indicating a transaction period with the business office, transaction frequency data for indicating a transaction frequency in a most recent specific period, and transaction amount data for indicating a transaction amount in the most recent specific period, and is stored in the data storage means by adding individually or adding up these data.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a business information providing system, and more particularly to a system for extracting information useful for credit evaluation of small, medium and micro enterprises from the transaction results of goods and services of each company and making it available to third parties. About the system to do.

[0002]

2. Description of the Related Art An outsourcing system that receives an order for office supplies such as stationery from a business establishment by telephone, facsimile, the Internet, or the like, and delivers the office supplies to the business office of the orderer in accordance with the order has been widely used. The use of such a system is particularly advantageous for small and medium-sized enterprises and small- and medium-sized enterprises with few human resources, because each staff can concentrate on their original work without being troubled by troublesome chores.

[0003] Nowadays, small- and medium-sized enterprises also need to cooperate with surrounding enterprises. In particular, in the Internet-related field, it is necessary to develop a unique business model to secure market advantages. The financing required for such business development requires that the company have a certain level of “trust”.

[0004] For example, when a financial institution lends to a company, the criteria for “credit” are as follows: how many years the company has been operating, how much profit it has, whether financial statements are complete, real estate, etc. Mainly whether they have assets. Therefore, companies that have not yet been established are less likely to receive loans, and many small and medium-sized companies do not have real estate and other assets, and therefore do not often meet the loan conditions.

[0005] In addition, for loans of one year or more, financial institutions are often required to obtain a financial statement, and the contents of the financial statements occupy a large weight in determining whether a loan can be obtained. ing. However, especially in the Internet-related business, expenditure precedes infrastructure development before deploying the business model developed by the company.
Even the best business models often fail because they cannot get a loan.

As described above, a financial institution is a “credit investigation agent” that checks the credit of a company at the time of lending, but is a “credit obtaining agent” that obtains the credit of the company on behalf of the company. Not. For this reason, a company with a high level of technical capability, a company that has not yet been established, or a company with poor assets cannot obtain credit from financial institutions and business partners, and may lose business opportunities.

Means for a company to gain credit by itself include joining a credit card, providing settlement information to a company information bank, and conducting activities at a chamber of commerce. It is rarely evaluated highly in credit checks and is ineffective.

[0008]

However, if a company uses the above-mentioned office supplies outsourcing system continuously and positively for a certain period or more,
It can be inferred that there is a willingness to run the business and that the business is stable. If the payment in these transactions is also made normally, the solvency can be recognized, so the possibility of taking-in fraud and tampering is considered to be relatively small. Also, since the office supplies actually ordered are delivered to the company, it has been confirmed that the office supplies actually exist at the place. Further, in the above-mentioned office supply outsourcing system, it is the agent (stationery store, etc.) near the company that actually delivers the order to the company. In addition to confirming that the company is present in the company, you can also get acquainted with the company's manager and hear or know about the business content, etc. Will be.

[0009] As described above, companies that use the above-mentioned office supplies outsourcing system continuously and positively for a certain period or more have a desire to manage, ability to pay,
Presence confirmation, credibility confirmation, etc. can be recognized, and all of these factors are considered to lead to the credit evaluation of the company.

[0010] However, conventionally, the corporate credit recognized by these factors is only evaluated by the operator of the office supplies outsourcing system, and is used as a criterion in a credit check when receiving a loan from a financial institution. There was no.

The above-mentioned situation is not limited to the outsourcing system for office supplies, but may be, for example, an O / S such as a copy or a facsimile.
The same applies to the case where a lease has been received for the A-device and office furniture. In other words, the conclusion of the lease contract is evidence that a certain degree of corporate credit has been recognized at that time, and the ability to pay if the subsequent payment of the lease fee has been performed normally is also recognized. Since it is necessary to enter the company at the time of installation of the leased property and subsequent maintenance management, the existence confirmation is sufficient. For the OA equipment, it is possible to estimate the performance from information at the time of maintenance management (number of copies per month, FAX transmission / reception history, etc.). All of these can be the basis for determining a company's credit. A similar credit criterion can be obtained even when a POS terminal maintenance service in a store is used.

[0012] However, conventionally, for example, even if one company uses both the office supplies outsourcing and the OA equipment leasing / maintenance management service, the corporate credit obtained by using these services is individually evaluated in each system. It was only done and did not relate to each other. Also, corporate credit in these systems was not used as a judgment material at the time of loan appraisal by financial institutions.

[0013]

SUMMARY OF THE INVENTION Accordingly, the present invention solves the above-mentioned problems in the prior art, and particularly extracts information useful for credit evaluation of small, medium and micro enterprises from the transaction results of goods and services of each enterprise. The purpose is to provide a system that can be viewed by three parties.

In order to achieve this object, the present invention according to claim 1 delivers a product to a business establishment or provides a service at the business establishment in response to a request for purchase of goods or provision of a service from the business establishment. In an outsourcing system, a business information providing system for providing a business result to a third party as credit information of the business establishment, comprising: a data storage means for storing business result data for each business establishment; Data acquisition means for acquiring transaction performance data corresponding to the transaction, data updating means for storing and updating the transaction performance data acquired by the data acquisition means in the data storage means for the business establishment relating to the transaction, and information about the business establishment Business information acquiring means for acquiring the information, and the business information acquired by the business information acquiring means and the data storage means. A data reading unit for viewable to a third party via the terminal network transaction record data being characterized by comprising a.

According to a second aspect of the present invention, in the business establishment information providing system according to the first aspect, the transaction result data includes transaction period data indicating a transaction period with the business establishment, and a transaction count indicating a transaction count within the latest fixed period. Data, and transaction amount data indicating the transaction amount within the latest fixed period, and the data storage means stores the transaction period data, the number of transactions, and the transaction amount data individually or in total. It is characterized by the following. The period from the establishment of the establishment can be estimated based on the transaction period data, and the activity level of the establishment can be estimated based on the transaction count data and the transaction amount data. By referring to it, it is possible to estimate the credit level of the establishment.

According to a third aspect of the present invention, in the establishment information providing system according to the second aspect, the data browsing means individually displays transaction period data, transaction count data, and transaction amount data.

In the present invention, the format of transaction result data (transaction period data, transaction count data, transaction amount data) is not limited. The transaction results (period, number of times, amount) may be converted into points by a predetermined conversion formula, and the points may be displayed individually or in total by the data browsing means, or the level may be displayed stepwise. Alternatively, in some cases, the transaction results (period, number of times, amount of money) itself may be displayed by the data browsing means.

[0018]

FIG. 1 is a block diagram of a system according to an embodiment of the present invention. A system center 1 receives an order from an office for office supplies, mainly stationery, and delivers it to the office. Operates an office supplies outsourcing system. Strictly speaking, the system center 1 receives the order from each business office in a centralized manner, and communicates this to an agent (stationery store, etc.) near the business office of the ordering source. Is performed by the agency.

The system center 1 transmits data relating to the transaction to the point acquisition means 11 of the server 10 when receiving an order from a business establishment or when the delivery is completed. This transaction data includes at least the transaction date and time and the purchase price.

The point acquiring means 11 converts the purchase price included in the transaction data received from the system center 1 into points by a predetermined conversion formula. Alternatively, points are converted in the system center 1 and transaction data including the pointed purchase amount is transferred from the system center 1 to the server 1.
0, and the point acquisition means 11 may acquire this.

The server 10 has a point storage means 13 for storing transaction result points for each business establishment. When the point acquisition means 11 acquires points for a transaction at a certain business establishment, the points are converted to the point update means 1
2 is added and updated to the current transaction result points stored in the storage area of the establishment.

The transaction result points stored in the point storage means 13 indicate the transaction results of the business establishment using the office supplies outsourcing system with the system center 1. A transaction period point indicating a transaction period and a latest fixed period (for example, 6
Month), and a transaction amount point indicating the total purchase amount during the same period. All of these indicate the continuity, stability, and activity of the business content of a business establishment, so the larger the transaction points, the more the business establishment is willing to recognize that it is actively conducting business. Can be a condition for earning credit.

The point storage means 13 may add the transaction period point, the number of transaction points and the transaction amount point and store them as transaction result points for each business establishment, but preferably store these points individually. This makes it possible to individually display these points via the browsing means 2 as described later.

The point updating means 12 stores an area for storing transaction result points for a business establishment when the business establishment starts an office supplies outsourcing transaction with the system center 1.
After that, the transaction amount points acquired by the point acquisition means 11 are added each time a transaction is made, and the transaction count point is added once. If there are old transaction amount points and transaction count points remaining after a certain period of time, delete them. In addition, as the transaction is continued, the transaction period points are added at regular intervals (for example, every six months).

On the other hand, the establishment information acquisition means 14 provides information on each establishment (company name, location, representative name, telephone number, FAX number, homepage, e-mail address,
Business, capital, date of establishment, number of employees, major business partners, etc.). In general, the system center 1 can acquire such business establishment information when starting a transaction with the business establishment. Therefore, in the configuration example of FIG. The information is acquired by the means 14. Alternatively, necessary information may be obtained directly from the business office without going through the system center 1. In any case, the fact that a business establishment actively discloses its own information indicates that the business establishment has a positive willingness to operate, which can also be a condition for obtaining credit.

Both the transaction result points stored in the point storage means 13 and the business establishment information acquired by the business establishment information obtaining means 14 can be viewed by a third party via the terminal network by the viewing means 2. Specifically, the system center 1 creates a homepage of each business on behalf of the business based on the business information acquired by the business information acquiring means 14, and
This home page is provided with a point display field for displaying the transaction result points stored in the point storage means 13. This home page can be accessed by a user terminal 3 linked to a terminal network such as the Internet via an access means such as a WWW browser, but office information and transaction results points leak to the outside and are used for unauthorized purposes. In order to prevent such a situation, it is preferable that only a specific user (system registered user) can access the system. This is because the user who permits access is required to input authentication information such as a password and an ID number given in advance, and after confirming that the user is a registered user, transmits the office homepage to the user terminal 3. This can be realized by such a configuration as described above, and since it is a conventionally known system configuration, further detailed description will be omitted.

The business site homepage in the present system not only contains the business establishment information acquired by the business establishment information acquisition means 14 but also displays the transaction result points stored in the point storage means 13. Is different from the homepage. As described above, the business transaction points of the establishment are the cumulative total of the transaction period point indicating the total transaction period, the transaction count point indicating the number of transactions within the latest fixed period, and the transaction amount point indicating the total purchase amount during the same period. The home page may display only these total points, or may display the total points for each point. Also, instead of displaying the points themselves, a stepwise level display may be used. For example, the transaction period is divided into five stages of less than 6 months, from 6 months to less than 1 year, from 1 year to less than 2 years, from 2 years to less than 3 years, and from 5 years to 5 levels.
, Or color-coded for each level. Similarly, regarding the transaction amount, the total transaction amount within the latest fixed period is less than 10,000 yen, 10,000 or more and less than 20,000 yen,
The level may be displayed in six stages of 10,000 yen or more and less than 30,000 yen, 30,000 yen or more and less than 50,000 yen, and 50,000 yen or more and less than 100,000 yen.

Alternatively, as shown in FIG. 2, points obtained by evaluating the transaction period point, the number of transaction points, and the transaction amount point on a scale of 100 points are placed on three axes, and displayed by a triangle connecting them. It may be.

The registered user of this system can access the browsing means 2 via the terminal 3 and browse the homepage of the business establishment of interest. The business site homepage of the present system displays not only the business site information similar to the conventional homepage but also the transaction result points stored in the point storage means 13, so that the credit of the business site can be referred to. Can be determined. Business establishments with high transaction performance points can be judged to have sufficient creditworthiness, so they can be used as a basis for financing the business establishment, and registered user business establishments can share information with each other. This makes it possible to establish a cooperative relationship smoothly. The registered user's office expands his / her credibility by continuously and actively conducting office supplies outsourcing transactions with the system center 1 and actively displaying transaction results points on the homepage. It can be used as a place for professional self-promotion.

Although the present invention has been described in connection with the office supplies outsourcing system, the present invention is not limited to this. For example, office equipment such as copy and facsimile, office furniture and the like are leased. A similar system configuration can be adopted for an office, a store using the POS terminal maintenance service, and the like.

[0031]

As described above, according to the present invention, particularly useful information for credit evaluation of small, medium and micro enterprises can be extracted from the transaction results of goods and services of each company and viewed by a third party. The system is provided so that even a company that has just been established or does not have sufficient assets can gain self-credit by appealing to other companies by repeating transaction results, It can be used as effective credit information when establishing cooperative relationships with other companies.

Also, the financial institution that investigates the credit of the borrower's company can make a primary credit by referring to the transaction result data displayed on the company's homepage, and a relatively small amount of money can be obtained. If it is a loan, it is possible to immediately execute the loan using only this data, so that the time and labor spent on the credit check can be reduced.

[Brief description of the drawings]

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

FIG. 2 is a diagram showing a display example of transaction result points displayed on a homepage by data browsing means.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 System center 2 Browsing means (terminal network) 3 User terminal 10 Server 11 Point acquiring means 12 Point updating means 13 Point storing means 14 Office information acquiring means

Claims (3)

[Claims] 1. An outsourcing system for delivering goods to a business or providing services at the business in response to a request for the purchase of goods or the provision of services from the business. A business information providing system for providing to a third party as a data storage means for storing transaction performance data for each business location, and a data acquisition means for acquiring transaction performance data corresponding to each transaction at each transaction; Data update means for storing and updating the transaction result data acquired by the data acquisition means in the data storage means for the establishment relating to the transaction; establishment information acquisition means for acquiring information about the establishment; acquisition of establishment information The business information acquired by the means and the transaction result data stored in the data storage means are transmitted to the terminal network. Office information providing system characterized by comprising a, a data reading unit for viewable to a third party and. 2. The transaction result data includes transaction period data indicating a transaction period with a business establishment, transaction count data indicating the number of transactions within a predetermined period, and transaction amount data indicating a transaction amount within a predetermined period. 2. The establishment information providing system according to claim 1, wherein the data storage means stores the transaction period data, the transaction count data, and the transaction amount data individually or in total. . 3. The data browsing means includes transaction period data,
3. The establishment information providing system according to claim 2, wherein the transaction count data and the transaction amount data are individually displayed.