JP2006185213A - Information management method, information management system and information management program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an information management method, an information management system and an information management program that can manage individual information on trading in accordance with stages of an article sales transaction. <P>SOLUTION: The information management system 1 connects via the Internet 8 an auction server 2 for managing vehicle auction transaction information, a trader terminal 3 for executing vehicle bidding processing via the auction server 2, a settlement institution server 4 for settling prices of successful bids in auctions, an information management server 5 for managing vehicle attribute information, a vehicle trading dealer terminal 6, and a general end user terminal 7. The successful bidder makes a loan from a settlement institution on the vehicle. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a technique for managing information on product loan and settlement.

  Conventionally, there is a system for buying and selling products (including used products) via a communication line such as the Internet. The types of trading include buying and selling with merchandise stores (sales and traders), buying and selling between individuals, and buying and selling by auction.

Further, in many cases, buying and selling of goods via a communication line is performed after exchanging quality information of goods and information about sellers / buyers between the seller and the buyer (see, for example, Patent Document 1).

As a result, the seller and the buyer provide trust to each other, and transactions are performed based on this.
JP 2002-109283 A

  By the way, in a system that buys and sells goods via a communication line, a seller and a buyer generally register account information in the system and make payment for each account.

  In addition, when the product is a high-priced product such as a vehicle (including a used vehicle), a settlement organization (financial institution, security company, etc.) that provides the buyer with money is often involved in the system.

  However, since not all loans are repaid smoothly, settlement institutions take risks with respect to loans.

  Therefore, the clearing house had to make the credit limit for the buyer relatively low in order to realize sound management. Buyers who were unable to obtain sufficient loans could not afford to pay the price and could give up purchasing the product.

  Then, this invention makes it a subject to provide the method, system, and program which can manage the information regarding a sales transaction separately according to the stage of the sales transaction of a property (product).

  The present invention has been made in view of the above matters, that is, the present invention is an information management method for managing information related to sales transactions, a sales information management server for managing sales transaction information of a property, and sales information management The network is connected to the merchant's terminal that executes property purchase processing via the server, the settlement institution server that settles the price generated by the property transaction, and the information management server that manages property attribute information. A step in which the information management server receives trading transaction information (successful bid information) from the trading information management server, a step of transmitting loan request information to the settlement institution server in response to a request from the buyer side terminal, and trading information management The step of receiving the attribute information of the property from the server and the step of storing the received attribute information in the storage means are executed.

  This buyer / seller sells / lists and purchases / successfully sells vehicles such as dealers, general consumers (purchasers), vehicle handling brokers, auction winners or exhibitors. May be performed at the same time, or may be performed separately.

  In addition, the property in the present invention is not particularly limited. However, when applied to a relatively expensive item, for example, a property such as a house (including a used house) or a vehicle (including a used vehicle), there is a particularly remarkable effect. This is because the more expensive the item, the more the loan from the settlement organization is required.

  Further, the property attribute information includes information about the property (type of property, transaction price, etc.), information related to property sales transactions managed by the sales information management server, information related to properties, and the like. The property attribute information is preferably property property information. This is because, when a buyer (buyer) of a property receives a loan from a settlement organization with the property as collateral, the information management server can manage property ownership information according to the payment status of the purchaser. . In other words, the ownership information is not provided to the purchaser whose payment is delayed. This will improve the buyer's willingness to pay, which in turn will reduce the financing risk at the clearing house.

  In addition, as the loan risk is reduced, the settlement institution can set a higher credit limit for the buyer and the buyer (buyer) can be more willing to purchase the property.

  Further, the merchant side terminal according to the present invention notifies the information management server that the price has been repaid, and the information management server receives the information, and includes a step of transmitting information on the property to the merchant side terminal. It is also suitable as a configuration.

  That is, unless the price is repaid, the property purchased by the buyer (buyer) is not owned by the seller. As a result, the merchant is motivated to own the property and is expected to improve the repayment rate of the loan. Note that the repayment of the price as a condition for providing the ownership information from the information management server may be completed or may be paid for some percent of the whole.

  Furthermore, in the information management method of the present invention, when the trading information management server is an auction server that manages auction information on a property, the merchant side terminal functions as a terminal on the successful bidder side that makes a successful bid for the property at an auction. The winning bidder side terminal (successful bidder side terminal) is connected to the auction server via the network, and the information management server provides the winning bidder's credit information to the auction server, and the winning bidder side terminal Receiving the credit information browsing request, and transmitting the credit information to the successful bidder terminal in response to the browsing request.

  The credit information includes information on the credit amount by the buyer's settlement organization. As a result, the auctioneer accepts purchases (successful bidders) that have purchased (successful bids) for properties that exceed the credit limit, or purchases (successful bidders) with extremely low credit limit (successful bidders). There can be provisions such as no. By establishing this rule, buyers (successful bidders) who do not have capital (funds) will not be able to participate in the auction, but on the other hand, financial institutions such as banks (settlement) that provide loans to buyers (successful bidders). (Institution) financing risk can be reduced.

  In addition, the sales information management server according to the present invention is not an auction server, but also as a trader (sales store, purchase shop, etc.) side or a general end user terminal (trader side terminal, end user terminal) that buys and sells properties. Good.

  Thereby, since the range of a buying and selling market can be expanded, distribution of goods (property) by a buyer can be promoted, and an economic effect can be expected.

  In addition, the present invention provides a sales information management server that manages a property transaction transaction information field via a network, a merchant terminal that executes property purchase processing via the transaction information management server, and a property transaction transaction. A settlement institution server that settles the price generated by the transaction, and an information management server that manages property attribute information. The information management server includes a receiving unit that receives information related to a trading transaction from the trading information management server, and a merchant. Receiving means for receiving a request from the terminal on the side and transmitting the loan request information to the settlement institution server; property information receiving means for receiving the property information of the property from the sales information management server; and storage means for storing the received property information of the property It is an information management system characterized by comprising.

  Furthermore, the present invention is a program for managing information relating to sales transactions, a sales information management server for managing the sales transaction information market of the property, and a buyer side terminal for executing property purchase processing via the sales information management server And a settlement institution server that settles the price generated by the property transaction and an information management server that manages the property attribute information are connected via the network, and the information management server is connected to the transaction information from the transaction information management server. A step of receiving information; a step of receiving loan request information to a settlement institution server in response to a request from a buyer's terminal; a step of receiving property attribute information from the trade information management server; and storing the received attribute information The step of storing in the means is made executable.

  ADVANTAGE OF THE INVENTION According to this invention, it becomes possible to provide the method, system, and program which can manage the information regarding a sales transaction separately according to the stage of the sales transaction of a property (product).

  Hereinafter, an information management system, an information management method, and an information management program of this embodiment will be described with reference to the drawings. In this embodiment, the product is described as a vehicle (including a used vehicle), but the product in the present invention is not limited to this.

<System overview>
As shown in FIG. 1, the information management system 1 of the present embodiment performs an auction server (trading information management server) 2 that manages vehicle auction transaction information, and a vehicle successful bid (purchase) process via the auction server 2. The seller side terminal 3 to be executed, the settlement institution server 4 that settles the price (successful bid price) generated by the successful bid at the auction, the information management server 5 that manages the attribute information of the vehicle, and the trader side that trades the vehicle Terminal 6 (a trader side terminal) and a general end user terminal (end user terminal) 7 are connected via an Internet (network) 8.

  The trader according to the present embodiment has a membership registration system in order to use this system. In addition, in the following explanation, the buyer is a dealer who buys and sells vehicles, is a successful bidder who makes a successful bid for a vehicle at an auction, and is a buyer who buys a vehicle from a vendor or end user. Also, it becomes an exhibitor (seller) who exhibits vehicles in an auction. Further, it is assumed that the settlement organization is a financial institution such as a bank or a credit sales company.

  The information management server 5 also includes a settlement intermediary server 9 that instructs the settlement organization server 4 to transfer the winning bid (price) to the auction site, and a collateral document management server that manages vehicle ownership information (property property information). 10. In other words, the information management server 5 manages other information, for example, property attribute information such as successful bid information at the auction site, information related to the successful bidder, and information related to vehicles.

Further, in the present system 1, a trader makes a successful bid for a vehicle at a vehicle auction, and requests a settlement organization for financing of the winning bid amount (vehicle price) via the information management server 5. At that time, the ownership information of the successful bid vehicle is reserved in the information management server 5.

The information management server 5 executes a process of providing ownership information to the buyer when the buyer (successful bidder) has completed the loan. In other words, the ownership is not transferred to the buyer until the loan is paid off. A trader can become the owner of a successful bid (purchase) vehicle only after paying off the loan.
The above is a rough outline of the system 1.

<Hardware configuration>
Next, a hardware configuration of the information management system 1 of the present embodiment will be described.
First, the hardware configuration of the information management server 5 will be described. Note that the settlement intermediary server 9 and the collateral document management server 10 according to the present embodiment have the same configuration except for the contents of the database that the information management server 5 has, and therefore the description of the same parts is omitted.

As shown in FIG. 2, the information management server 5 according to the present embodiment includes an arithmetic processing unit 22 including a CPU (Central Processing Unit) 20 that controls the entire server 5 and a main memory (MM) 21. The arithmetic processing unit 22 executes applications based on various application programs.

  Further, the information management server 5 has a hard disk (storage means) 23 for storing various data and programs. Various databases are constructed in the hard disk 23 as described later.

  The hard disk 23 includes an operating system (OS) 24 necessary for the information management server 5 to start up normally, other commonly used application programs 25, and a computer created to implement the system 1. And an information management program 26 that can be executed by the computer. The application software stored in the application program 25 includes various software corresponding to each terminal.

  Furthermore, the information management server 5 outputs a keyboard / mouse 27 for inputting various types of information and conditions, a display (display device (output means)) 28 for displaying input / output information on a screen, and outputting the information as paper. A printer (output means) 29 for performing the processing and a communication interface 30 for connecting the server 2 to the outside via the Internet are provided. All these devices described above are connected by a bus 31.

  In the present embodiment, the communication interface of the settlement intermediary server 9 is a receiving means for receiving successful bid information (information relating to sales transactions) transmitted from the auction server 2 and transmits a loan request to the settlement institution server 4. It becomes a transmission means. Moreover, in this embodiment, the communication interface which the collateral document management server 10 becomes becomes the property information receiving means which receives the ownership information of the vehicle determined to be a successful bid.

  Here, each database of the information management server 5, the settlement mediation server 9, and the collateral document management server 10 will be described (all not shown).

  A registrant attribute database and an auction database are provided in the hard disk 23 of the information management server 5 (both not shown).

  The registrant attribute database stores tables such as member names, addresses, POS numbers for each auction site, loan limit, adaptive interest rate, and financial institution account information.

  In addition, the auction database includes the auction site name, address, transfer information of the winning bid, exhibition vehicle price payment deadline information, exhibited vehicle document delivery deadline information, successful bid vehicle price payment deadline information, successful bid vehicle document arrival deadline information, name change. A table such as time limit information is stored. In addition, the information management server 5 stores a management vehicle database that stores the vehicle type, model, body number, etc., and vehicle verification / transfer certificate / proxy letter / resident's card and deadline management information on the date and time of shipment of documents. A management document database, and a payment management database for storing data such as loan execution date information, repayment date and time information, vehicle price information, and fee information (all not shown).

  In addition, a transfer database and a deposit account transfer database are constructed in the hard disk of the settlement mediation server 9 (both not shown). This transfer database includes transfer requester information (name, address, etc.), information management company account information, payee information, transfer destination financial institution account information, detailed information on transfer requests such as customer code, detailed information on processing results And are stored.

  The deposit account transfer database stores detailed information on transfer requests and detailed information on processing results. In addition, the settlement intermediary server 9 has an account balance database and an interest collection impossible information database (both not shown).

  Further, a contract database, a payment confirmation database, and a document dispatch management database are built in the hard disk of the collateral document management server 10 (all not shown). In this contract database, an exhibition auction site name, auction opening date / time information, and exhibition number information are stored in association with each vehicle.

  In addition, the document shipping management database stores information such as the shipping destination information of the document, the date and time of shipping, etc., and when the borrowing is repaid and the payment confirmation database is updated to the payment status, the table of the document shipping management database is displayed. New management items for vehicles are added. In addition, the document information database stores information on storage status such as vehicle verification, self-insurance insurance card, seal certificate, transfer certificate, etc., and expiration date and name change date data information of each document.

  The above is the hardware configuration of the information management server 5, the settlement mediation server 9, and the collateral document management server 10 according to the present embodiment.

  In addition, the system 1 includes terminals (servers) of an auction server 2, a buyer-side terminal 3, a settlement institution server 4, a trader-side terminal 6, and an end user terminal 7. The hardware configuration is the same as the hardware configuration of the information management server 5 described above, and a description thereof will be omitted.

Next, the operation of the information management system 1 of this embodiment will be described.
As shown in FIG. 1, the information management system 1 according to the present embodiment is realized by a mutual relationship among a plurality of organizations (information management company, auction hall, settlement organization, trader, end user, trader). Therefore, typical operations of the system 1 will be described in detail with items. In the following description, since the processing spans a plurality of servers (terminals), the description of each processing will be described in time series as one flow.

1) Successful bid from auction → Payment → Document management First, a buyer / buyer purchases a vehicle using an auction, and explains from payment to document management. Therefore, in the description of 1), the buyer is referred to as a successful bidder.

FIG. A shows a processing flow of the information management server 5, the settlement intermediation server 9, the collateral document management server 10, the successful bid auction server 2, the buyer side terminal (hereinafter referred to as the successful bidder terminal) 3, and the settlement institution server 4.

  First, a buyer (buyer) can confirm his / her usable limit amount in the auction from the successful bidder side terminal 3 before using the system 1. When the successful bidder terminal 3 requests the information management server 5 to refer to the available limit amount, a screen A shown in FIG. 4 is displayed on the display of the successful bidder terminal 3. On screen A, the current available limit amount of the winning bidder at each financial institution (finance, finance 2) is displayed. In addition, a plurality of menu icons are provided. The menu icons include a “calculation reference” icon 40 for referring to a calculation document, an “control vehicle list” icon 41 for listing a management vehicle, and an icon 42 for browsing registration information. And other icons (icons for outputting terms of use, icons for downloading paper, icons for outputting user guides, inquiry icons, Q & A icons) are displayed.

  When the “managed vehicle list” icon 41 is selected, the screen B shown in FIG. 5 is linked. On the screen B, information about the vehicle managed by the information management server 5 is displayed. The displayed information includes the supplier, the start date of the auction, the number of times the auction has been held, the exhibition number, the car name, the model year, the model, the chassis number, the name change deadline, the document deadline, the billing amount, the repayment deadline, and the inventory days , Information on the number of days until the due date is included.

  In addition, the exhibition number and chassis number of the management vehicle in the management vehicle list in FIG. 5 are linked to a page displaying more detailed information. FIG. 6 shows a screen C of the detailed information. On screen C, detailed information about one managed vehicle is displayed. In addition to the information displayed on screen B above, the detailed information includes the target vehicle grade, displacement, classification, registration number, document expiry date, document arrival date, existence of various documents that can be ownership information, The expiration date of those documents is included. In addition, various documents include vehicle verification, self-responsibility insurance card, seal certificate, power of attorney, transfer certificate, deletion copy, self-responsibility transfer certificate, resident's card, resident's slip, copy / extract / attachment, maintenance notebook, inspection record book Etc. are included.

Further, when the successful bidder (buyer / seller) selects the “company registration information” icon 42 in the screen A shown in FIG. 4, the link is made to the screen D shown in FIG. 7. On the screen D, registered items on the merchant side are displayed. This registration item includes information on the successful bid / exhibition auction site used by the seller (venue name, POS number), and information on the settlement organization used (interest rate, transfer method, account number, administrative commission, fee, transfer of profits) Repayment of borrowings).
The screens B and C described above display the highest bidder's available limit. Therefore, the successful bidder confirms the available limit amount at the settlement institution from the screen A shown in FIG.

  First, the winning bidder accesses the winning bid auction server 2 from the winning bidder side terminal 3, and bids for a vehicle for which a successful bid is desired (S01). When the successful bidder determines that there is no bid for the bid, the successful bid auction server 2 determines the successful bid (S02), and transmits calculation form information about the successful bid vehicle to the information management server 5 (S03). The calculation form information here includes a successful bid price and information (vehicle verification information, vehicle information, etc.) regarding the successful bid vehicle.

The information management server 5 that has received the calculation form information (S06) compares the successful bid amount (total amount of the successful bid amount (price)) in the calculation form information with the use limit amount of the successful bidder (successful bidder) (S07). The comparison result is transmitted to the successful bidder terminal 3 and a screen E (daily calculation) as shown in FIG. 8 is displayed on the display of the successful bidder terminal 3. On this screen E, the credit information of the winning bidder (usable amount, etc.) and the information about the vehicle that made a successful bid (exhibition number, vehicle type, chassis number, year, billing amount (successful bid amount, car tax, exhibition fee, (Contract fee), payment amount (contract amount, car tax), etc.) are displayed. By browsing this screen E, the successful bidder can know or confirm details of the successful bid contents.

  Next, the settlement intermediary server 9 sets the loan amount and repayment deadline taking into account the data in the management vehicle database for each successful bidder (S08). Based on these pieces of information, the settlement intermediary server 9 creates transfer request data and transfer request data (S09).

  At this time, the settlement intermediary server 9 also executes usage detail data creation processing for each successful bidder (S10). Further, the settlement intermediary server 9 transmits the created usage details data to the successful bidder terminal 3. Receiving this (S11), the successful bidder terminal 3 displays the screen F shown in FIG. 9 on the display. In this screen F, information on the repayment deadline, the repayment amount, the difference, and the vehicle (the vehicle for which a successful bid was made) for the loan is displayed. Since the screen F can be printed and used as a specification, an icon for instructing printing is also displayed on the screen F.

  Further, the settlement intermediary server 9 transmits the transfer request data and the transfer request data created in step 09 to the settlement institution server 4 (S12).

  Then, the clearinghouse server 4 transfers the winning bid amount from the current account overdraft account of the winning bidder to the account of the information management company, and further deposits (completes) the account specified by the winning bid auction site (S13). At this time, the usage statement data created by the settlement mediation server 9 is also transmitted to the successful bid auction server 2.

  When the deposit and these data are received, the successful bid auction server 2 determines whether or not the deposited amount matches the (successful bid) amount in the usage statement data (S14).

  If the amounts match, the successful bid auction server 2 transmits transfer document information (including ownership information) data necessary for purchasing the vehicle to the collateral document management server 10 and the information management server 5 ( S15). At the same time, the successful bid auction site (or the organizer) sends out the transfer document of the vehicle for which the successful bidder has made a successful bid. In addition, transfer document information data here includes vehicle verification, self-responsibility insurance card, seal certificate, power of attorney, certificate of transfer, resident's card, resident's slip, 謄 / extract / attachment, tax certificate, erasure copy, self-responsibility Includes assignment certificate, maintenance notebook, record book, and expiration date information.

  The information management server 5 that has received the transfer document information data imports the transfer document information data received in the management vehicle database into the management vehicle database and updates the management vehicle data (S16). At the same time, the shelf number of the archive that actually manages the document of the transfer document is assigned and managed.

  If there is unsettled data in the information management server 5 in step 16, a flag indicating that data has not been started is set and the status of the corresponding data is managed (S17).

  On the other hand, the collateral document management server 10 checks whether the expiration date of each document included in the received transfer document information data has passed (S18). The information management company checks the expiration date of the transfer document received in writing.

  If there is a document whose expiry date is imminent in step 18, pick up the item that should be advanced the due date for the successful bid vehicle, and reflect that the advanced repayment is necessary in the management vehicle database (S19).

  Then, the information management server 5 notifies the successful bidder terminal (or a mobile phone or the like that can be connected to the Internet) of the vehicle whose repayment date has been changed (S20).

  The above is a pattern in which a successful bidder uses the system 1 to purchase a vehicle at an auction.

  Thus, according to the present system 1, since the ownership information can be individually managed according to the degree of payment of the winning bidder, a loan from the settlement organization is secured using the vehicle that the winning bidder has made a successful bid at the auction site. When received, the information management server 5 can manage the transfer document data of the vehicle. That is, the information management company reserves the ownership of the vehicle until the successful bidder finishes the payment. Thereby, the information management company can reduce the financing risk of the settlement organization.

  In addition, the settlement institution can also set a higher credit limit for the loan to the winning bidder, and therefore can increase the willingness to purchase goods (vehicles) of the winning bidder.

Further, unless the price is repaid (completed), the vehicle that the successful bidder has made a successful bid (purchased) is not owned by the successful bidder. Thereby, the successful bidder is motivated to take possession of the vehicle that has made a successful bid, and can expect to improve the repayment rate of the successful bid price (loan).
As a result, the auctioneer shall establish provisions that do not accept purchases (successful bids) made by successful bidders who have purchased (successful bids) that exceed the credit limit, or who have extremely low credit limits. Can do. By providing this rule, successful bidders without capital (funds) will not be able to participate in the auction, but on the other hand, the risk of financial institutions (settlement institutions) that provide loans to successful bidders can be reduced. .

2) Purchase of vehicle from end user → document management → payment Next, a case where a trader purchases a vehicle from a general end user (not a vehicle dealer or vehicle dealer) instead of an auction will be described. Therefore, in the description of 2), the buyer is referred to as the purchaser.

  FIG. 10 shows a processing flow of the information management server 5, the settlement intermediation server 9, the collateral document management server 10, the end user terminal 7, the merchant side terminal (hereinafter referred to as the purchaser side terminal) 3, and the settlement institution server 4.

  First, the end user requests a purchase assessment of the vehicle from the terminal 7 to the purchaser side terminal 3 (S100). The purchaser side terminal 3 that has received the request executes a vehicle assessment process provided by the end user (S101).

  Next, the purchaser side terminal 3 transmits the assessment information of the vehicle and the desired loan amount to the information management server 5 (S102). The information management server 5 that has received these data fetches the data (S103). At this time, the purchaser faxes the vehicle verification to the information management company.

  In addition, the information management server 5 executes a comparison (matching) process between the market price in the auction of the vehicle stored in the auction market database and the assessed vehicle information received from the purchaser side terminal 3 (S104). .

  Next, the settlement intermediary server 9 extracts the purchaser's available amount from the credit database (S105).

Then, the settlement intermediary server 9 transmits to the purchaser side terminal 3 whether or not to approve the calculated loan amount and the name upper limit amount for financing (S106). If the purchaser does not approve the loan amount, the process returns to step 102 and the desired loan amount is set again.

  On the other hand, if the purchaser approves the loan amount in step 06, the transfer document information data for the vehicle desired to purchase is transmitted to the collateral information management server 10 (S107). At the same time, the transfer documents are sent in writing to the information management company.

  Then, the information management server 5 incorporates the transfer document information data transmitted from the purchaser side terminal 3 into the management vehicle database, and updates the database. In addition, when the document transfer document arrives, the information management company confirms the coincidence between the transfer document information data transmitted from the purchaser side terminal 3 and the transfer document transmitted in writing. Thereafter, the collateral document management server 10 assigns and stores the shelf number of the archive where the document is actually stored (S108). At this time, the information that the document has arrived is overwritten on the data stored in the management vehicle database (S109).

  When the loan amount is confirmed and the repayment deadline is calculated, the information management server 5 adds the information to the management vehicle database for each purchaser and updates the database (S110).

  Then, based on these pieces of information, the settlement intermediary server 9 creates transfer request data and transfer request data (S111).

  At this time, the settlement intermediary server 9 also executes usage detail data creation processing for each purchaser (S112). Further, the settlement intermediary server 9 transmits the created usage details data to the purchaser side terminal 3. Receiving this (S113), the purchaser terminal displays the screen F shown in FIG. 9 on the display.

  Further, the settlement intermediary server 9 transmits the transfer request data and the transfer request data created in step 111 to the settlement institution server 4 (S114).

  Then, the settlement institution server 4 transfers the loan (vehicle fee) from the buyer's overdraft account to the information management company account (S115).

Further, the settlement institution server 4 deposits the loan into the account designated by the purchaser (S115). At this time, the usage statement data created by the settlement mediation server 9 may be transmitted to the purchaser side terminal 3. Then, the purchaser pays the received loan money to the end user and purchases the vehicle.
The above is the description of the flow when the purchaser purchases a vehicle from the end user.

  As described above, since the purchaser purchases a vehicle is a general end user, the range of the buying and selling market can be expanded. Therefore, the distribution of vehicles by purchasers and sellers can be promoted, and an economic effect can be expected. In the description 2), the purchaser (transaction partner) of the purchaser is the end user, but it may be a dealer who sells vehicles.

3) Flow of loan repayment Next, a detailed description will be given of the flow of auction listing → document shipment → loan (loan) repayment. Therefore, in the description of 3), the trader is referred to as an exhibitor, and the auction server 2 is described as the exhibition auction server 2. In addition, the explanation in 3) is for the case where the exhibitor has exhibited the vehicle at another auction site before depositing the price of the vehicle that made a successful bid at a certain auction site (successful auction site), or the successful bid at the same auction site. It is an explanation when the exhibition is performed.

  FIG. 11 shows a processing flow of the information management server 5, the settlement intermediary server 9, the collateral document management server 10, the buyer side terminal (hereinafter referred to as the seller side terminal) 3, the settlement institution server 4, and the exhibition auction server 2. .

  First, an exhibitor exhibits a vehicle at an exhibition auction site. When the exhibited vehicle is awarded, the exhibition auction server 2 transmits to the information management server 5 the calculation information of the vehicle whose contract is determined by the successful bid (S200). At this time, a written calculation is sent from the exhibition auction site to the information management company.

  And the information management server 5 will perform the update process of a management vehicle database, if calculation document information is received (S201) (S202). Here, by updating the database, the exhibitor can refer to information on the exhibited products (vehicles) that he / she has exhibited, the amount available today, and the like from the exhibitor side terminal 3.

  Further, the information management server 5 determines whether or not the information of the vehicle (that is, the contracted vehicle) that has been awarded after the exhibition is managed (S203). Furthermore, the information management server 5 creates document delivery instruction data (S204).

  If it is determined in step 203 that the information on the contracted vehicle is not managed, the information management server 5 requests the seller side terminal 3 to send the transfer document regarding the contracted vehicle (S205).

  Furthermore, the information management server 5 checks whether or not a transfer document regarding the contract vehicle has arrived from the previous auction site where the contract vehicle has been successfully bid (S206). Here, if it is determined that it has not arrived, a document sending request instruction is transmitted to the server on the successful bid auction site side.

  Then, the information management company sequentially sends the documents received from the successful bid auction site to the exhibition auction site. The shipped document is flagged as already shipped from the screen (not shown) (S207). In addition, the management vehicle database is updated for the already sent documents (S208). Thereby, the exhibitor can confirm the latest information from his / her terminal.

  When all transfer documents arrive at the exhibition auction site, the exhibition auction server 2 transfers the vehicle price of the contracted vehicle to the account of the information management company (replacement of the price) and transmits detailed data to the clearinghouse server 4 ( S209).

  Further, the settlement institution server 4 notifies the settlement intermediary server 9 that there has been payment from the exhibition auction site (S210). Further, the payment notification is transmitted from the settlement intermediary server 9 to the information management server 5.

  And the information management server 5 which received the notification of payment updates a management vehicle database with the allocation of the payment for every management vehicle (S211). As a result, the exhibitor can view the latest information such as his own usable limit, usage status, and payment status from the seller-side terminal 3.

  Further, the settlement intermediary server 9 calculates the profit for each vehicle (S212), and manages the data of the profit for each exhibitor during the current month (S213).

Further, the settlement intermediary server 9 creates transfer request data for the deposit amount and transmits it to the settlement institution server 4 (S214). In response to this, the settlement institution server 4 executes a process of transferring the deposit amount from the account of the information management company to the exhibitor's overdraft account (S215).
The above is the process of repaying the borrowed money in the system 1.

  In this way, in the present system 1, since the information management company performs the payment transfer for the repayment of the contracted vehicle price without going through the purchaser, it is possible to assist the financial institution for the maintenance of the credit. By managing the delivery of documents for contracted vehicles, it is possible to reduce the risk of penalties due to the purchaser exceeding the deadline for sending documents for successful auction vehicles.

4) Flow of repayment → document shipment Next, the flow from the repayment of the loan (price) financed by the successful bidder or purchaser (buyer) to the purchaser will be described. .

  FIG. 12 shows a processing flow in the purchaser side terminal 3 or the successful bidder side terminal 3, the information management server 5, the settlement mediation server 9, the collateral information management server 10, and the settlement organization server 4.

  First, a document shipping request is transmitted from the purchaser side terminal 3 or the successful bidder side terminal 3 (S300). The information management server 5 receives this request (S301). Upon receipt of the request, the settlement intermediary server 9 sets a waiting flag for payment from the purchaser or the successful bidder (S302).

  Then, when the repayment is transferred from the purchaser side terminal 3 or the successful bidder side terminal 3 to the account of the information management company (S303), the settlement institution server 4 notifies the settlement intermediary server 9 that the deposit has been made ( S304).

  In response to this, the settlement intermediary server 9 executes a deposit allocation process (S305), creates data for requesting the settlement organization server 4 to transfer the repayment amount to the overdraft account of the purchaser or successful bidder, and settles the settlement. It transmits to the engine server 4 (S306). In response, the settlement institution server 4 transfers the repayment amount to the overdraft account of the purchaser or successful bidder (S307).

  Further, the collateral information management server 10 creates data instructing the successful bid or exhibition auction server 2 to send the transfer document (S308). At this time, the collateral information management server 10 checks whether or not the document is correctly sent (document stock check). In addition, the collateral information management server 10 prints out a delivery slip of a deliverable document and an invoice required for delivery of the document (S309).

Then, the printed invoice is pasted and sent by the operator to a set of delivery documents. After sending the document, the operator accepts an input that the document has been sent from the screen of the collateral information management server 10 (S310).
The above is the flow from repayment to document delivery in the system 1.

  As described above, managing the receivables and payments for the vehicle price repayment from the purchaser has an effect of protecting the receivables, and the risk of omission of the collateral documents can be reduced by managing the collateral document delivery after the payment is confirmed.

5) Others (as needed)
In order to change the name in the system 1, the exhibition auction site sends (or faxes) the vehicle verification after the change of name to the information management company. Here, the information management server 5 updates the management vehicle database when the operator inputs that the name of the target vehicle has been changed.

  Further, the information management company sends (or faxes) a copy of the vehicle verification after the name change is completed to the successful bid auction site.

  The system 1 also has a refund payment function for the buyer (buyer, successful bidder, exhibitor). First, the buyer's own tax refund statement is faxed from the successful bid auction site and the exhibition auction site to the information management company.

  Next, the automatic refund is transferred from the successful bid auction site and the exhibition auction site to the account of the information management company established in the settlement organization. The settlement institution server 4 notifies the settlement intermediary server 9 that the refund has been received. In response to this, the settlement intermediary server 9 notifies the settlement institution server 4 to transfer the refund deposited in the current account of the merchant.

  The above is the process of repayment of the refund for the buyer using the system 1. The process described in 5) is a process that can be executed at any time and is performed in response to a request.

  In this way, the information management company can reduce the duties of the seller by managing the self-tax for the auction successful bid vehicle on behalf of the seller.

It is a figure which shows the system concept of the information management system of this embodiment. It is a figure which shows the hardware constitutions of the information management server which concerns on this embodiment. It is a processing flow by the information management system of this embodiment. It is a figure which shows the screen A in this embodiment. It is a figure which shows the screen B in this embodiment. It is a figure which shows the screen C in this embodiment. It is a figure which shows the screen D in this embodiment. It is a figure which shows the screen E in this embodiment. It is a figure which shows the screen F in this embodiment. It is a processing flow by the information management system of this embodiment. It is a processing flow by the information management system of this embodiment. It is a processing flow by the information management system of this embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Information management system 2 Auction server 2 Information management server 3 Buyer side terminal (buyer side terminal, successful bidder side terminal, exhibitor side terminal)
4 Settlement server 5 Information management server 6 Trader side terminal 7 End user terminal 8 Internet (network)
9 Payment Mediation Server 10 Collateral Document Management Server 22 Arithmetic Processing Unit 23 Hard Disk 24 OS
25 Application program 26 Information management program 27 Mouse 28 DSP
29 Printer (output device)
30 Communication interface 31 Bus 40, 41, 42 Icon A to F Screen

Claims (7)

A sales information management server for managing sales transaction information of the property;
A merchant-side terminal that executes the transaction processing of the property via the transaction information management server;
A settlement institution server that settles the price generated by the transaction of the property;
An information management server that manages the property attribute information is connected via a network,
The information management server is
Receiving the sales transaction information from the sales information management server;
Receiving a request from the buyer-side terminal and transmitting loan request information to the clearinghouse server;
Receiving property attribute information from the trading information management server;
And a step of storing the received property information of the property right in a storage means. The merchant side terminal notifies the information management server that the price has been repaid,
2. The information management method according to claim 1, wherein the information management server transmits information related to the property to the buyer-side terminal.   The information management method according to claim 1, wherein the property attribute information is property property information. When the buying and selling information management server is an auction server that manages auction information on a property, the seller side terminal functions as a terminal of a successful bidder side that makes a successful bid for the property at an auction, and the terminal of the successful bidder side uses a network. Connected to the auction server via
The information management server is
Providing credit information of the winning bidder to the auction server;
Receiving a browsing request for credit information of the winning bidder from the terminal of the winning bidder;
Transmitting the credit information to the successful bidder terminal in response to the browsing request;
The information management method according to claim 1, wherein the information management method is executed.   The information management method according to any one of claims 1 to 4, wherein the trade information management server is a terminal of a trader or end user who buys and sells a property. Over the network
A sales information management server for managing sales transaction information of the property;
A merchant-side terminal that executes property purchase processing via the transaction information management server;
A settlement institution server that settles the price generated by the transaction of the property;
An information management server that manages the property attribute information of the property is connected,
The information management server
Receiving means for receiving information related to sales transactions from the sales information management server;
A transmission means for receiving a request from the buyer-side terminal and transmitting loan request information to the settlement institution server;
Property information receiving means for receiving attribute information of the property from the sales information management server;
An information management system comprising storage means for storing received attribute information of the property. A sales information management server for managing sales transaction information of the property;
A merchant-side terminal that executes property purchase processing via the transaction information management server;
A settlement institution server that settles the price generated by the transaction of the property;
An information management server that manages the property attribute information is connected via a network,
The information management server is
Receiving information related to sales transactions from the sales information management server;
Receiving a request from the buyer-side terminal and transmitting loan request information to the clearinghouse server;
Receiving the property attribute information from the transaction information management server;
An information management program capable of executing a step of storing received attribute information of the property right in a storage means.

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