JP2005332066A - Distribution-type firm credit information providing service and system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an information service which can continuously and efficiently collect the credit information of business connections in association with a plurality of commercial database services in credit management work in a firm. <P>SOLUTION: A data exchange system, which is executed by the cooperation of applications and various kinds of credit information databases owned by credit-research firms, is constituted by using a standard message exchange procedure of a Web service. The firm information service is provided, which is provided with; a function which collects information on updating of the databases of the credit-searching firm and credit information news issued every day by means of a service system; a function which collates the information thus collected with the names of firms of a preliminarily registered customer list and reports the agreed information by mail; and a function by which one can instantly refer to the details of the information thus reported on the Web. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

The present invention relates to a credit information providing service of a business partner company, and more particularly to a business credit information providing service and system capable of automatically updating business partner information continuously in cooperation with a plurality of commercial databases. Is.

In more than 10,000 corporate bankruptcies every year, the ratio of corporate bankruptcies due to sluggish bankruptcy, accumulated deficits, and difficulty in collecting accounts receivable continues to increase, reaching more than 70% in 2003. During the recession, the importance of corporate credit management is increasing. However, in the conventional credit management, when starting a transaction, credit is obtained by obtaining a commercial register, real estate register, financial statements, requesting an individual survey from a credit research company, etc. In many cases, the credit information of customers is not updated, and there is a problem that measures for continuous transaction risk are not taken. On the other hand, with the recent development of information networks, various corporate credit information and activity information data services have been provided on the networks. Efficient use of these information services is an issue in credit management work.

The reasons why the customer's credit information is not continuously updated as described in the previous section are shown below.

First, many commercial DB services related to company information are storage-type information services, and are search-type services that specify a necessary company name from the user side or narrow down the target by a conditional search. There is also a service that can be used to search across commercial DBs of multiple research companies, but it is also an accumulated DB search-type service. Therefore, in order for credit managers at companies to continue to obtain updated information, periodically check whether there is any change in the content of the information from the time of the last search and inquiry. You need to download it. With this method, practical operation is impossible from the viewpoint of time and cost for most small and medium-sized companies, except for some major companies that can purchase all commercial DBs and manage them with their own systems.

Secondly, distribution-type services have recently been provided that have the function of registering business partners in advance and notifying them when there is a change in the rating or credit information of the company information. This is a service linked with other applications, and the provided corporate information source is information on a single or closed credit research company. There is no widespread use of services that allow customers to obtain updated information on business partners for information from multiple research companies.

The reason for this is that the number of companies and the number of data items accumulated in past commercial DB services are used as the criteria for selecting the service, and the user directly contracts the service with one research company with a high degree of accumulation. For this reason, there was no need to unify company codes and standardize data items among research companies. Therefore, even though it is technically possible to obtain information about companies from various information sources in today's network environment, multiple information sources can be automatically linked to each company in credit management. Because there is a problem that cannot be done, the information distribution that links the corporate databases of multiple research companies is hindered.

In addition, when selling company information through an agency, the research company often provides the agency with a master record of all company information in order to make the sales method of each agency unique. Creates a high risk of information leakage. At the same time, it is restricted by the research company that the agency has duplicate sales agents of competing research companies. In this way, it is difficult for a sales agent that becomes an information distributor to handle information from a plurality of research companies.

Thirdly, the collection of bankruptcy prediction information (hereinafter referred to as prediction information) such as bankruptcy information, settlement failure, lawsuit information, reputation, and anxiety information in corporate credit management has become increasingly important. However, the prediction information is a limited form of provision such as a paper medium, and the user is limited because the service is expensive. This prevents a large number of general operating companies from obtaining information in real time to avoid risk early.

The reason why it is difficult to distribute predictive information is that if anxiety information flows inadvertently in the market, the finance that finances the target company will carry out a loan raising action and may go bankrupt separately from the management situation Because of this, the credit bureau is limited to the direct sales without using the sales agent method, limiting the destination and scope of use. Currently, as one of the countermeasures against this problem, a credit management service that reflects the prediction information in the corporate rating is provided, but the information source and the type of the prediction information are not disclosed in many cases. If the details of the prediction information are not available, the credit management staff of the company that is the user can only respond to fluctuations in the credit amount and shortening of the transaction site, and cannot take appropriate actions to avoid risk.
JP 2002-149970 (P2002-149970A) JP 2002-74156 A “Bankruptcy Monthly Report, March 2004, Trends by Cause in FY2003”, Tokyo Shoko Research, Inc.

An object of the present invention is to solve the above-mentioned problems and provide an information service that can be collected efficiently by linking multiple commercial DB services in a company's credit management business by continuing the credit information of business partners. That is.

In the present invention, the standard message exchange procedure of the WEB service is used to construct a data exchange system by linking various credit information databases owned by the research company with the application, and update information of the research company database and credits issued daily. A function that automatically collects information news by the system, a function that collates the collected information with the company name of the business partner list registered in advance by the user and informs them by e-mail, and was informed Provide corporate information services that feature the ability to query information details immediately on the web.

When exchanging data with the research company of the above system, the information provided by each research company to the service system is not a regular provision of all accumulated data master data that was performed by the conventional sales agent system, but a research company. Header information of the company name, address, type of business, date of occurrence, reason of occurrence, name of related company, pointer to detailed information (details will be described later), etc. Only corporate headers) are provided sequentially. The affiliated company name has a data structure that can include a plurality of company names having relationships such as the seller, supplier, and creditor of the company. The pointer to the detailed information is pointer information in which the header information and the detailed information are associated with each other 1: 1, and a mechanism that can automatically extract the detailed information in the data server managed by the research company is provided between the data servers. Equip.

On the other hand, the service user registers the company attributes (hereinafter referred to as the supplier company header) of the supplier such as the company name, address, and type of business in advance in the service system regarding the company to be credit managed. Each time the provided information company header from each survey company in the previous section occurs, name identification processing is performed with this partner company header, company name and related company name, and if there is a company with the same name, the contents of the provided information company header are automatically Deliver to users by e-mail. When the user needs detailed information, the detailed information can be inquired by a link function to a reference site incorporated in the delivered mail. In this way, it is not a conventional information retrieval service method, but it is equipped with a function to collect the header part of the provided information at the timing when new information is generated from multiple research companies, thereby providing a continuous credit information distribution service Can be provided.

However, since there is no unified company code that can specify company information in one company in Japan, how to identify a company with the same name among company data created by different research companies remains. In the present invention, instead of a method of adding a unified code to a company, if the company name of the update information is the same as the company name of the user's business partner, this header information is delivered by e-mail. A user interface for identifying whether a user is a business partner of the company is described by describing the location and business type. This user interface is the same as the process for judging whether the user is a business partner by looking at article information such as newspapers and magazines on a daily basis. There is no need to add a code to identify the company, and it is provided at a lower price than the method of identifying the company using a high-priced database, although there is complete coverage such as a commercial DB service for telephone numbers. Service can be realized.

In the above service system, only the company header information is stored in the service system from the research company, and the details of the credit information are based on a system configuration managed by the internal data server of the research company. An encrypted message exchange procedure is performed with the data server of the survey company. In addition, it is equipped with a function for accumulating access logs of users who have accessed detailed information and referencing user history. As a result, it is possible to realize information distribution through resellers on the Internet even for predictive information in which security against information leakage is important.

According to the present invention, it is possible to extract and provide information on only the business partner company that the user needs at the generation timing of new information related to the credit of the company. The advantage of the service is that credit information related to business partners can be delivered to users from a plurality of information sources continuously.

Users can efficiently collect information across distributed credit information DB services, thereby reducing costs for collecting information for credit management operations. Moreover, since it is possible to quickly detect signs of bankruptcy based on various information from multiple research companies, it is possible to improve the accuracy of avoidance of debt collection risk.

For information service providers, it is possible to distribute bankruptcy prediction information such as bankruptcy information, settlement failure, lawsuit information, reputation, and anxiety information while ensuring data security, so it is not limited to use by major companies, and more than 80% Even small and medium-sized enterprises can cultivate the information use market.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

The service flow is shown in FIG. The service provider (1.B) of the present invention makes a sales agent contract in advance linked to the information database of the research company (1.A). At the same time, a data linkage method between the two applications is determined and system settings are made so that automatic data exchange is possible (1.1). The data exchange method is performed via a network using a standard protocol based on HTTP.

The service is provided via the Internet. The user (1.C) first inputs a user registration for use from the WEB site of the service and obtains a user ID and password for use. In addition, basic information (details will be described later) such as the trade name, address, and business type of the client company that wants to know the credit information is also registered. Registration can be performed either by batch uploading with a CSV file or by a registration method for each company from the WEB screen. In addition, companies can be added and deleted after registration (1.2).

The service system of the service provider (1.B) receives header information about the company sent from the survey company (1.A) whenever new information is generated (1.4). The header information is described in the e-mail for all of the matching company names and automatically distributed to the e-mail address registered at the time of user registration (1.5).

An example of the distribution e-mail is shown in FIG. Since the e-mail includes the name of the prefecture where the company name matches, the type of industry, the type of credit information, etc., it is easy to determine whether the user is a company of the customer. In addition, since the URL for introducing the details of each information is described in the e-mail, the user can click here to move to the inquiry site and obtain the detailed information (1). .6, 1.8). The detailed information has a function that can be stored on the user's local disk. The format of the saved data will be an XML format that is currently being standardized, making it easy to link applications with other databases. An example of stored data is shown in FIG.

For users who have a security problem in registering information about their business partners outside, the service system of the above service (1.B) is installed in the user's network and operated. Can also be supported.

Next, a system for realizing the service will be described.

FIG. 4 shows a transition diagram of system functions. The service system is provided as a web service on the Internet. The user registration function by the user, the user's own company header information registration function by the user, the company header information collection function of the credit information provided by the research company, and the use From the delivery function to identify the matching company by e-mail, and the function to inquire detailed information from the link destination of the URL embedded in the e-mail. Composed. The system server includes a WEB application server (4.A) for performing application cooperation with the outside, a local application server (4.B) for internal data processing, and a database server (4.C). Is done.

In user registration (4.3) by users, IDs and passwords for user authentication in the system are issued, and attribute information such as the user's affiliated company, address, name, and telephone number, and the mail address of the delivery destination Has a registration function. After the registration process is completed, the user confirms the user by automatically sending a registration confirmation email to the registered email address. When mail has not been reached, the operation method is to check the registrant from the attribute information.

In the business partner registration function (4.5 to 4.15) by the user, a function for uploading a text file of business header information of a business partner created in a predetermined format and a business header already registered Equipped with a function that can update information. As the format of the text file, a standard format such as a CSV format or an XML format that has been widely used is used.

A detailed example of the header information of the supplier company is shown in 5.2 of FIG. For the usage directory (5.2.1) that defines the service to be used, it has a structure with a business partner company header (5.2.2) that defines the business name, address, business type, etc. of multiple business partners. Further, item number 6) of the partner company header (5.2.2) is a structure in which the related company header can have a plurality of related company headers (5.2.3) related to the customer as a structure. And “Relationship” means a company relationship such as a shareholder, sales company, or supplier company, and can be set as item number 4) related type in the related company header (5.2.3). Similarly, multiple specific company codes in item number 7) of the supplier company header (5.2.2) can be set as a structure (5.2.4), and the company unique to the research company that provides the information It is an item to enable matching using code. The item number 5) user company identifier in the supplier company header (5.2.2) is an item in which an identifier that can uniquely identify the customer in the user's own company can be freely set. Management in conjunction with the internal database becomes easy.

The usage directory (5.2.1) is a matching method (item number) that specifies the survey company to be used and the type of information (item number 2), the name identification pattern of the company name, and whether or not a specific company code is used. 3)) etc. can be set. In the initial stage of the service, the company name identification method and the matching method with a specific company code are the basic methods, but in the future, a company identification method that uses the region and industry will be added as an option.

In the header collection function (4.17) of the provided company information from the survey company, the received data (4.16) distributed from the survey company is constantly monitored, and the distributed information is provided to the provided information company header DB (4 18).

A detailed example of the provided information company header is shown in 5.1 of FIG. The provider service directory (5.1.1) that defines the service attribute of the provider is structured to be stored in association with the occurrence of the company header information (5.1.2) of the service. The company header information (5.1.2) includes company attributes such as company name, address, and business type, the cause of the information such as company information change, bankruptcy, and bank suspension, It is composed of a plurality of related company headers (5.1.3) related to the company. In the related company header (5.1.3), for example, it can be defined as a structure that sets the relationship between a bankruptcy company represented by creditor information and its creditor company (s). The information ID (Item No. 2 in 5.1.2) is the corresponding information in the detailed information database managed by the research company and the link information corresponding to 1: 1, and the detailed information can be referred directly from the delivered mail. Used for the mechanism.

In the mail distribution function (4.19, 4.21), new data accumulation in the provided information company header DB (4.18) is constantly monitored at intervals of about 5 to 10 minutes, and accumulated during that time. The data and the supplier company header (4.10) are used to perform a company name collation process or a matching process with a specific company code to check whether there is information on the supplier company. If there is matching company header information, registration is performed in the notification information DB (4.20), and at the same time, a notification e-mail is automatically distributed to the user who registered the partner company (4.21). The contents of the e-mail contain items such as the company name, address, business type, bankruptcy, bank stoppage, etc. of the provided information, items that can be used to determine whether the user is his / her business partner.

The name identification method based on the company name will be specifically described with reference to FIG. Item No. 5) of provided information company header (5.1.2) Item No. 2 of supplier company header (5.2.2) against company name) Matching of company name (M1) and related company header (5) 2.3) Item number 1) Matching of company name (M2) is performed, and similarly, related company header (5.1.3) of provided information is item number 1) supplier company header for company name (5.2.2) Item number 2) Company name matching (M3) and related company header (5.2.3) item number 1) Company name matching (M4).

Depending on the type of information provided, there is a case where the matching process by the affiliated company header is not necessary, so that the user can specify the presence or absence of the matching process of M2 and M4. It is also assumed that the user can specify the presence or absence of the matching process for the matching process (M5) using the specific company code using the unique company code of the provided information (item number 6 in 5.1.2)).

In the detailed information inquiry function (4.23 to 4.32), when the URL of the detailed information inquiry site incorporated in the notification mail (4.22) is clicked, first the user authentication is performed by the authentication check function (4.24). If the detailed information is charged, a charge confirmation process (4.26) is performed. Next, a search request is sent to the database system of the detailed information managed by the research company using the information ID (item number 2 of 5.1.2) of the provider company header information delivered as the parameter of the URL as a key (4. 27).

In accordance with the above request, the detailed information search and distribution function (4.28) placed in the research company retrieves information corresponding to the information ID from the detailed information database and distributes the data to the service system side. The data distributed by the service system function (4.27) is received and detailed information is displayed on the browser screen of the user.

In the function (4.30) for downloading the contents of the inquiry information as a file, a standard format such as CSV format or XML format is used so that the data downloaded by the user can be easily linked with the company system.

FIG. 6 shows an example of name identification of the supplier company header and the provided information company header. “6.1 Business Partner Company Header Information” is a simple description of business partner information registered by a certain user. Three business partners are registered, and companies related to each business partner are also registered. Has been.

“6.2 Example of name identification by provided information” is an example in which the “6.1 supplier company header information” is matched with provided information company headers from several survey companies. Examples 1 and 2 are from a research company that provides bankruptcy information services, Example 2 is from a research company that provides bond information services, and Example 3 is a research company that provides M & A information services Is from. For each service type, “whether or not the related company name in the provided information is matched” is designated by the user. The “name collation result” column is a result of matching according to the designation of matching / non-matching of the related company name.

Based on the matching result, a notification e-mail is distributed to the user who registered the business partner as shown in FIG. Further, when the user makes an inquiry about detailed information, a detailed information screen is displayed as shown in FIG. 3, and data is downloaded as necessary.

The present invention aims at a new service method utilizing the Internet network and network technology which have been widely spread and developed in the commercial DB service field. Specifically, distribution of various information according to the purpose of use on the user side, not distribution of commercial DB services alone, and dynamic information on transactions between companies and corporate behavior as well as static information such as corporate attributes It has the potential to contribute to service systems such as services that aggregate and provide services.

It is a schematic diagram of a service. This is an example email Detailed information inquiry screen and download data format example It is a system transition diagram It is a header information item and an item relation diagram This is an example of name identification by company name

Explanation of symbols

1. A. Survey company structure in service Structure of information service provider in B service C Service user mechanism

Claims (3)

In a company's credit information provision service, means to collect information header files at the timing of occurrence of company information from multiple research companies that collect information on companies (hereinafter referred to as "research companies") and customer credit information are required A user who can register the header file of the company of the business partner that the required user (hereinafter referred to as “user”) and the above collected header file are collated with each other by company name and the matched company is sent to the user. An information providing service system comprising means for notifying and means for retrieving detailed information content of the information from a database server of a research company. 2. The service according to claim 1, wherein a database of company information is placed under the network management of each research company, a database of header files is placed in a lump in the network of the service system provider, and an inter-application link is established between them. An information providing service system comprising a function for exchanging data and a function for matching a company name in a header file. In the service according to claim 1, the information described in the header file of the company has a hierarchical structure that includes not only the name of the company but also related company names such as a seller, a supplier, and a creditor. A service provision system characterized by a system that collects names of survey company header information and business partner header information in batches.

Images