JP2006331231A - Credit management system and credit management method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a credit management apparatus, a credit management method and a program that, in the building of a house or some other building, enable the supply of a low cost and high quality house to the purchaser of the house or some other building by appropriately crediting a building contractor which constructs the house or some other building and expanding a building contractor's purchase range and credit. <P>SOLUTION: When order information on product purchase is received from a client, a predetermined value relating to the received order information is calculated from a calculated payment probability, a collection period and an average collection cost, the selling price of a product relevant to the received order information, and a cost-of-sales ratio, then it is determined whether or not the calculated predetermined value is within an available credit line, and if the calculated predetermined value is within the available credit line, it is determined that the order amount of the product relevant to the received order information is within the client's credit line. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a credit management device, a credit management method, and a program.

  When building a building such as a house, there are a great number of building processes in the process of completing the building. Specifically, the construction process of a house, etc. is divided into each process such as temporary work, earth work / geo work, formwork, reinforced concrete work, wood work, sash / glass work, and interior work. Also, usually, each of the above steps is often performed by different specialized contractors, and these steps are often performed at different times.

  For this reason, when building a building such as a house, a construction process plan is agreed in advance between the construction contractor and a specialized contractor, and building materials (construction materials) necessary for the construction work are in each case in accordance with this process plan. Carry in and work on each process will proceed. When building a normal house, many types of building materials such as roofs, pillars, walls, entrances, windows, sashes, doors, fences, baths, kitchens, toilets, lighting, etc. are used. It is generally said that there are tens of thousands of points. In this way, when building a building such as a house, a large amount of building materials is required, and the construction company orders and purchases these building materials from each building material manufacturer.

  In this way, when a construction company purchases various building materials from each building material manufacturer, the building material manufacturer purchases the building materials required within the credit limit set for each construction company, and purchases in cash. There are cases. The credit limit is determined based on the size of the construction company, past transaction status, and the like.

  By the way, there are many small and medium-sized enterprises in Japan, and there are many cases where there is little working capital and physical collateral is scarce. Specifically, when a building such as a house is constructed, the period from the start of construction to completion is long, and payment to a construction shop that constructs the building is often made after completion. That is, when a relatively small construction shop builds a building such as a house, there is a problem that even if the number of orders is large, the period from the start of construction to payment is long, so the working capital is often insufficient.

  For this reason, when a construction company that is relatively small in scale purchases various building materials from each building material manufacturer, it is difficult to purchase in cash, and it is necessary within the credit limit set by each building material manufacturer for each construction store. There are many cases where building materials are purchased. However, since the above credit lines are determined based on the size of the construction companies and the past transaction status, the credit lines of construction companies with relatively small scales are often set low, and payment conditions, etc. The purchase range is limited.

  As described above, when the purchase range of a construction company is limited, the construction company may not be able to purchase an optimal building material, and may not be able to purchase a low-priced and high-quality material. When building a building such as a house, it is important to supply a low-priced and high-quality house to a purchaser of the building such as the house. In this way, in order to supply low-priced and high-quality housing to home buyers, it is necessary to expand the purchasing range of construction companies that construct buildings and to purchase optimal building materials. is important.

  For this reason, currently, many credit collateralized loans and securitization of accounts receivable have been proposed as credit services for setting an appropriate credit line.

  As an invention related to a receivable-collateralized loan or a receivable securitization proposed as a credit service, Patent Document 1 inputs shipping information generated when a sales company ships a product, and ships information Account receivable calculation method that calculates the expected return rate, which is the ratio of products expected to be returned based on the transaction information and the expected return amount of the selling company based on the expected return rate and the shipping information Is disclosed.

  Also, in Patent Document 2, information for identifying the credit receivables of the loan applicant is registered via the Internet, and the loan applicant's loan limit is determined based on the information relating to the transaction with the registered receivables of the loan. The details of the receivables held by the loan applicant are registered via the Internet, and the available loan amount is determined based on the effective total amount of the registered receivables and the above loan limit amount. A receivable-backed collateral financing method and system for determining a loan applicant's loan amount as desired within the amount is disclosed.

By using these credit services, it becomes possible to take a form close to cash settlement, and the credit capacity of a relatively small contractor can be improved. You can purchase the most suitable building materials. As a result, the construction shop can purchase low-priced and high-quality materials.
JP 2003-99694 A JP 2001-319060 A

  Currently, as shown above, various credit services have been proposed. However, since there are many kinds of building materials required for construction, the credit limits based on each material are set for each credit service. In many cases, it is difficult to properly perform the above. In addition, when a credit limit is set by using each credit service, it is necessary to clear sales receivables for each building material. However, since there are many kinds of building materials necessary for construction, there is a problem that the operation of clearing sales receivables is complicated. As described above, when using each credit service, it is difficult to appropriately set a credit frame based on each material, and there is a problem that the sales receivable elimination process is complicated. Currently, the credit services are not fully utilized, and are not sufficiently utilized particularly in construction shops that are relatively small in scale.

  In addition, the method for calculating the accounts receivable described in Patent Document 1 calculates the expected amount of receivables of the selling company based on the expected return rate and the shipping information together with the above problem. However, there is a problem that it is not possible to accurately grasp the receivables and the credit line cannot be set appropriately.

  In addition, the method and system for receivable-collateralized collateral described in Patent Document 2 determines the loan applicant's loan limit and possible loan amount based on the information input from the loan applicant via the Internet along with the above problem. The problem is that the loan amount of the loan applicant is determined within the range of the loanable amount, and the correct loan amount cannot be determined if the loan applicant incorrectly enters information. There is.

  As shown above, when building a building such as a house, an appropriate credit line or a loan line is set for the construction company that constructs the house and the like, and it is low for purchasers of the building such as the house. It is important to supply high-quality housing at a high price.

  In the case of building a building such as a house, the present invention can set an appropriate credit line or a loan line for a construction shop that constructs a building such as a house, and expands the purchase scope and credit of the construction shop. It is an object of the present invention to provide a credit management device, a credit management method, and a program capable of supplying a low-priced and high-quality home to a purchaser of a building such as the home.

  The present invention is a credit management device that manages the credit of a business partner who sells a product, and includes the past business performance of the business partner including collection and non-collection of the price of the product, and the past business performance of the business partner. Transaction performance storage means for storing transaction performance evaluation information indicating the transaction performance evaluation of the supplier determined based on the product, product information storage means for storing product information including a sales cost rate and a sales price, and the transaction Based on the past transaction results stored in the result storage means, means for setting the maximum credit limit of the customer, the set maximum credit limit, and the transaction result evaluation stored in the transaction result storage means The transaction based on the information, the sales price of the uncollected product included in the past transaction record stored in the transaction record storage unit, and the sales cost rate stored in the product information storage unit Previous use A means for calculating a credit line, a means for receiving order information, which is information related to product purchase, from the business partner, transaction performance evaluation information stored in the transaction performance storage means, and the received order information. Means for calculating a predetermined value related to the received order information based on the sales price of the product and the sales cost rate stored in the product information storage means; and the calculated predetermined value is the available credit. If it is determined whether the calculated predetermined value is within the range of the available credit limit, the order amount of the product related to the received order information is the credit limit of the supplier. And a credit management method, and a credit management method and program used for the credit management device.

The present invention is a credit management device that manages the credit of a business partner who sells a product, and includes the past business performance of the business partner including collection and non-collection of the price of the product, and the past business performance of the business partner. Transaction result storage means for storing the payment probability of the business partner determined based on the product, product information storage means for storing product information including a sales cost rate and a sales price, and stored in the transaction result storage means A means for setting a maximum credit limit of the customer, which is a value obtained by multiplying a predetermined value by an average value of the transaction amount within a predetermined period, based on the past transaction results, and stored in the transaction result storage means Means for calculating a first value that is the sum of sales prices of uncollected products included in the past transaction results, and the payment probability stored in the transaction result storage means as the first value. Calculate the second value that is the product And a third value which is a value obtained by multiplying the sales price of the uncollected product included in the past transaction record stored in the transaction record storage unit by the sales cost ratio of the product. Means for calculating the fourth value, which is the sum of the third values calculated for each product, and the sum of the first value and the fourth value. Means for calculating an available credit line that is a value obtained by subtracting a value from the maximum credit line, means for receiving order information that is information related to product purchase from the customer, and the received order A fifth value that is a value obtained by multiplying the sales price of the product related to the information by the payment probability stored in the transaction record storage means is calculated, and the sales price of the product related to the received order information is A sixth value, which is a value obtained by multiplying the sales cost ratio of the product, A seventh value which is a value obtained by subtracting the sixth value from the value of the first value, and an eighth value which is a value obtained by subtracting the seventh value from the sales price of the commodity related to the received ordering information. Means for calculating and determining whether the eighth value is within the range of the available credit line; and if the eighth value is within the range of the available credit line, the received ordering A credit management apparatus, and a credit management method and program used for the credit management apparatus, characterized by comprising: a means for determining that an order amount of a product related to information is within a credit frame of the business partner.
The transaction record storage means stores the merchandise distribution information, which is information relating to the merchandise distribution, and the identification information in association with each other, and the credit management device is equipped with a portable recording means in which the identification information is recorded. Means for receiving the identification information read from the portable recording means in each distribution stage related to the goods, and the goods related to the identification information stored in the transaction record storage means when receiving the identification information Means for sequentially registering the reception date and time in the distribution information; means for receiving the price collection information for the product sold to the supplier; and when receiving the price collection information, the price stored in the transaction record storage means Means for registering the price collection information in the merchandise distribution information of the merchandise related to the collection information.

  According to the present invention, when a building such as a house is constructed, an appropriate credit line or a financing line can be set for a construction shop that constructs the building such as a house, and the purchase range of the construction shop By expanding the credit, it is possible to supply a low-priced and high-quality housing to a purchaser of the building such as the housing.

  In addition, according to the present invention, it is possible to set an appropriate credit line or a credit line for an operator that manufactures or sells a product, and by expanding the purchase range and credit of the operator, There is an effect that it is possible to supply a low-priced and high-quality product to the product purchaser.

  Hereinafter, a credit management device, a credit management method, and a program according to embodiments of the present invention will be described in detail with reference to the drawings.

[First Embodiment]
FIG. 1 is a block diagram showing a configuration of a credit management system 1 according to the first embodiment of the present invention.

  FIG. 1 schematically shows a flow in which the building materials used in the building site 103 are transported from the manufacturing factory 101 to the building site 103 via the distribution center 102 in the credit management system 1. In addition, the flow of monetary information performed between the management center 100, the construction company 201, the building material manufacturing company 210, and the financial institution 220 is schematically shown. In the present specification, building materials mean various materials used in construction and construction such as construction materials and building materials.

  In addition, the distribution center 102 shown in this embodiment is related to residential construction, such as a warehouse of a factory of a building material manufacturing company that manufactures and sells building materials related to residential construction, and a warehouse of a logistics company that is entrusted with logistics of building materials. Includes all locations where building materials are managed. Moreover, the construction site shown in each embodiment shall include the general site of civil engineering construction work (including dismantling work). Furthermore, a professional contractor shall mean the general contractor. Further, although the manufacturing factory 101 shown in this embodiment is provided in the building material manufacturing company 210, the same applies to the case where the manufacturing factory 101 and the building material manufacturing company 210 are physically separated.

  FIG. 2 is a schematic configuration diagram schematically showing a hardware configuration used in the credit management system 1.

  The credit management system 1 includes a credit management device 10, a CAD integration device 20, a manufacturing factory PDA 30, a distribution center PDA 40, a construction site PDA 50, an electronic tag 60, a building material (door) 70, the Internet 90, and construction work. It has a store PC 201a and a financial institution PC 220a.

  The credit management device 10 is a credit management device that manages the credits of business partners who sell products. The credit management device 10 has a database in which various types of information related to construction process plans and building materials in a residential building are stored. An information processing apparatus such as a server that manages the whole and various types of information related to building materials. In addition, the credit management device 10 is connected to the CAD integration device 20, communicates various information in the home building with the CAD integration device 20, is connected to the Internet 90 via a router, and is connected via the Internet 90. Then, communication of various information related to building materials is executed between the PDAs 30 to 50.

  The CAD integrating device 20 creates design information (such as a design drawing of a building) related to the design of a building in a residential building, registers the created design information as a CAD file, and outputs the registered CAD file to the credit management device 10. Is.

  The construction shop PC 201 a is an information processing apparatus such as a personal computer used in the construction shop 201, and executes various types of information communication with the credit management apparatus 10 via the Internet 90. The financial institution PC 220 a is an information processing apparatus such as a personal computer used in the financial institution 220, and executes various types of information communication with the credit management apparatus 10 via the Internet 90.

FIG. 3 is a block diagram showing an internal configuration of the credit management device 10.
Note that the internal configuration of each of the CAD integrating device 20, the construction office PC 201a, and the financial institution PC 220a is substantially the same as the internal configuration of the credit management device 10.

  The credit management device 10 includes a CPU 11, a ROM 12, a RAM 13, an input unit 14, a storage unit 15, a display unit 16, and a communication unit 17.

  The CPU 11 executes various controls based on various control programs stored in the ROM 12. Further, when the operation information is input from the input unit 14, the CPU 11 generates control information based on the operation information, and outputs the generated control information to each unit.

  The ROM 12 is a memory that stores various control programs to be executed by the CPU 11. The RAM 13 is a memory used as a work area for the CPU 11. The input unit 14 includes various input keys, and outputs operation information corresponding to the operated keys to the CPU 11.

  The storage unit 15 is a hard disk that stores various application programs, various information about building materials, and the like, and stores various databases. The display unit 16 is a display unit that displays various information based on the control of the CPU 11.

  The communication unit 17 is connected to the CAD integrating device 20 and executes transmission / reception of various information to / from the CAD integrating device 20, and is connected to the Internet 90 and between each PDA and each PC via the Internet 90. It is a communication part which performs transmission / reception of various information.

  The manufacturing factory PDA 30 is a portable personal information terminal including a PDA main body 30a, an electronic tag reader / writer (CF card type RFID reader / writer) 30b, and a data communication card 30c. The configuration of each PDA used in the embodiment described below is the same as the configuration of the manufacturing plant PDA 30.

FIG. 4 is a block diagram showing an internal configuration of the PDA main body 30a.
The PDA main body 30 a includes a CPU 31, a ROM 32, a RAM 33, an input unit 34, a display unit 35, an electronic tag reader / I / F unit 36, and a data communication card I / F unit 37.

  The CPU 31 executes various controls based on various control programs stored in the ROM 32. In addition, when the operation information is input from the input unit 34, the CPU 31 generates control information based on the input operation information, and outputs the generated control information to each unit. The CPU 31 includes a counter (not shown) that measures time.

  The ROM 32 is a memory in which various control programs to be executed by the CPU 31 are stored. The RAM 33 is a memory in which various application programs, various information related to building materials, and the like are stored, and is used for a work area of the CPU 31 and the like.

  The input unit 34 is a touch panel for inputting various types of information, and outputs operation information corresponding to a user's input operation to the CPU 31. The input unit 34 may be configured by various input keys (such as numeric keys, up / down / left / right keys, and various function keys) other than the touch panel.

  The display unit 35 is a touch panel that displays various pieces of image information such as various pieces of information related to building materials received from the credit management device 10 and image information generated by the CPU 31 based on the control of the CPU 31. That is, the input unit 34 and the display unit 35 constitute a touch panel. In addition, you may make it comprise the display part 35 with various displays, such as liquid crystal displays other than a touch panel.

  The electronic tag reader / writer I / F unit 36 is an interface that is connected to the electronic tag reader / writer 30b and controls transmission / reception of various information executed with the I / F unit 303 of the electronic tag reader / writer 30b. The data communication card I / F unit 37 is an interface that is connected to the data communication card 30 c and controls transmission / reception of various information executed with the credit management device 10.

  The data communication card 30 c is a data communication card that is connected to the credit management device 10 via the Internet 90 and executes transmission / reception of various information to and from the credit management device 10.

  Further, the PDA main body 30a has a GPS device (not shown) that receives radio waves from an artificial satellite and detects a position, measures the current position by the GPS device, and uses the measured current position as position information. Store in the RAM 33. Instead of providing the GPS device in the PDA main body 30a, the worker P1 who owns the PDA 30 may input position information from the input unit 34 at any time and store the input position information in the RAM 33.

  Further, a user ID for identifying each PDA on the network is assigned to each PDA, and is stored in the RAM in association with an IP address, for example. Specifically, the building material manufacturing factory code and the user ID are associated with each other for the PDA 30, the driver code and the user ID are associated with each other for the PDA 40, and the site code and the user ID are associated with each other for the PDA 50.

  The electronic tag 60 is an electronic tag such as an IC tag, a wireless tag, a wireless IC tag, or an RFID (Radio Frequency Identification) tag that incorporates an IC chip and an antenna, and is an example of portable storage means that can perform non-contact communication. It is. Various information (tag information) is stored in the electronic tag 60, and the PDA 30 can read and write the tag information stored in the electronic tag 60 using radio waves. That is, the tag information can be read and written without the PDA 30 contacting the electronic tag 60, and the tag information can be read simultaneously from a plurality of electronic tags. Note that other portable storage means that stores various types of information and can read and write the various types of stored information with a predetermined information reading device may be used instead of the electronic tag. Further, in place of the portable storage means capable of non-contact communication, information having a barcode, a two-dimensional code or the like that can hold unique information and can read the unique information with an information reader. A recording medium (portable recording means) may be used. As this information recording medium, a sticker on which a barcode, a two-dimensional code, or the like is printed can be considered.

FIG. 5 is a block diagram showing an internal configuration of the electronic tag reader / writer 30b and the electronic tag 60. As shown in FIG.
The electronic tag reader / writer 30b includes a main control unit 301, a RAM 302, an I / F unit 303, a signal conversion unit 304, a modulation unit 305, a demodulation unit 306, a transmission antenna 307, and a reception antenna 308. .

  The main control unit 301 is a main control unit that controls the entire electronic tag reader / driver 30b. The RAM 302 is a storage unit that accumulates various tag information received from the electronic tag 60, and is a readable / writable RAM. The I / F unit 303 is an interface that controls transmission and reception of various types of information executed with the PDA main body 30a.

  The signal conversion unit 304 is a signal conversion unit that converts transmission information to the electronic tag 60 from a parallel signal to a serial signal, and converts a reception signal from the electronic tag 60 from a serial signal to a parallel signal. The modulation unit 305 is a modulation unit that modulates a transmission signal to the electronic tag 60 into a transmission signal. The demodulator 306 is a demodulator that demodulates the received signal from the electronic tag 60.

  The electronic tag 60 includes a main control unit 61, an EEPROM 62, a signal conversion unit 63, a modulation unit 64, a demodulation unit 65, a transmission antenna 66, and a reception antenna 67.

The main control unit 61 is a main control unit that controls the entire electronic tag 60.
The EEPROM 62 is a storage unit that does not require power backup, such as an EEPROM that stores various tag information. The signal converter 63 is a signal converter that converts transmission information to the electronic tag reader / driver 30b from a parallel signal to a serial signal, and converts a reception signal from the electronic tag reader / driver 30b from a serial signal to a parallel signal.

  The modulation unit 64 is a modulation unit that modulates a transmission signal to the electronic tag reader / driver 30b into a transmission signal. The demodulator 65 is a demodulator that demodulates the received signal from the electronic tag reader / writer 30b.

  The building material 70 is various building materials used in the construction site 103 such as a roof, a pillar, a wall, an entrance, a window, a sash, a door, a fence, a bath, a kitchen, a toilet, and a lighting. In the present embodiment, the door is an example. I will explain. Various building materials used in the construction site 103 are attached with an electronic tag 60 when manufactured at the manufacturing factory 101. Specifically, the electronic tag 60 is attached to an inconspicuous portion of the building material 70 where information on the electronic tag 60 can be read and written by a reading device.

  FIG. 6 is a diagram showing an outline of a method for managing an electronic tag attached to a building material in the credit management system 1.

  In the credit management system 1, the electronic tag attached to the building material used in the construction site 103 is managed by a management method according to the type. Specifically, the management method of the electronic tag is determined depending on whether the building material can be managed individually.

  In this embodiment, entrances and sashes are building materials that can be managed individually (building materials that are managed individually), and structural materials such as roofs and frames can be individually managed. Building materials that cannot be used (building materials managed in lot units). In the construction site 103, building materials to be managed individually are installed in a state where electronic tags are embedded (attached). On the other hand, building materials managed in lot units are transported to the building site 103, and after reading the building material information from the electronic tags attached to the building materials with a reading device, the electronic tags are separated from the building materials and built on the building site 103. The separated electronic tag is attached to the list plate 103b in the house 103a, and the electronic tag is managed by the list plate 103b in the house 103a.

  In addition, after the housing 103a is completed, the building materials managed individually manage the building materials by reading an electronic tag embedded in the building materials with a reading device during maintenance or inspection. On the other hand, the building material managed in units of lots is managed by reading the electronic tag attached to the list plate 103b in the house 103a with a reading device. For this reason, the installation place of the list plate 103b in the house 103a is preferably a place where it is easy to come into contact during maintenance or inspection after the completion of the house 103a.

  FIG. 7 is a diagram illustrating a case where the basic house information stored in the building material database 15a managed by the credit management device 10 is displayed on the display unit 16.

  As shown in FIG. 7, the basic housing information includes “building material ID”, “lot number”, “building material type”, “building material manufacturer”, “construction shop”, “logistics company”, “maintenance” It is information including “Company”, “Installation floor”, “Installation area”, “Installation date”, “Inspection history”, “Maintenance history”, and “Inquiry history”. It is stored in association with “building material ID” which is identification information given to each building material. The building material ID is identification information given to each building material when manufactured at the manufacturing factory 101, and the lot number is a lot number given according to the type of building material, the manufacturing location, and the like. That is, even if the building materials have the same type and manufacturing location and the same lot number, the building material IDs assigned are different.

  In the present embodiment, the site code is identification information assigned to each construction site in order to specify the construction site, and the distribution center code is assigned to each distribution center in order to specify the distribution center. It is identification information, and the financial code is identification information given to each building process in order to specify each building process for a plurality of building processes at the building site, and the transporter code is used to specify the building material transporter. It is identification information given to each carrier, the driver code is identification information given to each driver to specify the driver of the building material carrier, and the building material manufacturing factory code is to specify the building material manufacturing factory Is the identification information given to each building material manufacturing factory, and the building material code is used for each building material to identify each building material used in construction related to each construction process at the building site. Is identification information added, skill code is identification information assigned to each specialist contractors for actual construction work for a plurality of construction steps in the construction site.

Next, the operation in the credit management system 1 will be described.
First, the operation of the CAD integrating device 20 will be described.

  When various pieces of information related to the design of the building relating to the building site 103 are input to the CAD integrating device 20, the CAD integrating device 20 uses the input information to design information relating to the design of the building (design drawings of the building, etc. ) And the created design information is registered as a CAD file in association with the site code related to the construction site 103. Subsequently, based on the registered CAD file, the CAD integrating device 20 creates integrated data (information including the type and quantity of necessary building materials) for each building material used in the construction related to the CAD file. When the CAD integration device 20 creates integration data, the created integration data is output to the credit management device 10.

  FIG. 8 is an operation flowchart showing a flow of transporting the building material 70 manufactured at the manufacturing factory 101 to the distribution center 102 in the credit management system 1.

  In the operation flow chart shown in FIG. 8, the upper part is a system flow chart showing a flow of information in the credit management system 1, and the lower part is an operation showing an actual flow of the building material 70 manufactured at the manufacturing factory 101. FIG.

  Of these operations, the control operation related to each device is an operation executed by the CPU based on a control program stored in the ROM in each device.

  The manufacturing factory PDA 30 used in the manufacturing factory 101 receives a predetermined number of building material IDs from the credit management device 10 in advance, and stores the received building material IDs in the RAM 33. Instead of storing the building material ID in the RAM 33, the electronic tag 60 to which a unique building material ID is assigned may be used.

[Construction material information registration]
The building material 70 is manufactured at the manufacturing factory 101 of the building material manufacturing company 210. In this manufacturing process, as shown in FIG. 6, the electronic tag 60 is attached to a predetermined portion of the building material 70 (or the electronic tag 60 is embedded). In the inspection after manufacturing the building material 70, the worker P1 inspects the quality of the building material 70 and the like. After this inspection is completed, information on the type of building material 70 inspected and information on the raw materials (wood origin: Canada, doorknob: manufactured by XX Corporation, etc.) and information on the appearance of the building material 70 (shape characteristics and appearance) Information such that the operator can easily visually recognize the building material 70, for example, image information such as photographs), the inspector, the date and time of inspection, position information, and the transportation route. The worker P1 inputs building material manufacturing information including the input from the input unit 34 of the manufacturing factory PDA 30 (S1). In addition, about the various information regarding the building material 70, when registering a plurality of patterns related to the building material manufacturing information in the manufacturing factory PDA 30 in advance and inputting the building material manufacturing information into the manufacturing factory PDA 30, the registered plurality of patterns An appropriate pattern may be selected from the house. As for the confirmation date and position information, the time measured by the CPU 31 and the position information acquired by the GPS device may be used instead of the operator P1 inputting from the input unit 34.

  When building material manufacturing information is input from the input unit 34 in the manufacturing factory PDA 30, one building material ID is extracted from the building material IDs stored in the RAM 33, and the extracted building material ID corresponds to the input building material manufacturing information. In addition, it is stored in the RAM 33. Subsequently, when the input of the building material manufacturing information is completed, the worker P1 attaches the manufacturing factory PDA30 to the building material 70 so that information can be transmitted and received between the manufacturing factory PDA30 and the electronic tag 60. The operator P1 performs an operation of writing the building material information including the input building material manufacturing information and the corresponding building material ID on the electronic tag 60 with the input unit 34 (S2).

  When the writing operation is executed by the input unit 34, the building material information stored in the RAM 33 is transmitted to the electronic tag 60 by the electronic tag driter 30b via the electronic tag reader / writer I / F unit 36. Is stored in the EEPROM 62 (S3). Simultaneously with the writing operation to the electronic tag 60, the data communication card 30c transmits the building material information to the credit management device 10 via the data communication card I / F unit 37 (S2). When the credit management device 10 receives the building material information, the building material ID included in the received building material information is associated with the building material information and stored in the building material database 15a of the storage unit 15 (S4). By executing these operations, the same building material information based on the building material ID can be registered in the credit management device 10 and the electronic tag 60. In addition, when using the electronic tag 60 to which the unique building material ID is assigned, during the writing operation from the manufacturing factory PDA 30 to the electronic tag 60 (S2), the building material manufacturing information is written to the electronic tag 60 and the electronic tag 60 The manufacturing plant PDA 30 receives the building material ID assigned to the tag 60 (S3), associates the received building material ID with the building material manufacturing information and stores them in the RAM 33, and the manufacturing plant PDA 30 transmits the building material information to the credit management device 10. (S2). Further, when an information recording medium having a barcode or the like is used instead of the electronic tag 60, barcode information or the like as a building material ID attached to the information recording medium attached to the building material 70 is manufactured. The PDA 30 reads (S3), the read building material ID and the building material manufacturing information are stored in the RAM 33 in association with each other, and the manufacturing factory PDA 30 transmits the building material information to the credit management device 10 (S2).

[Building material shipment information]
When the building material 70 is transported from the manufacturing factory 101 to the distribution center 102, work is performed so that information can be transmitted and received between the manufacturing factory PDA 30 and the electronic tag 60 when the manufacturing factory 101 is shipped. The worker P1 brings the manufacturing plant PDA 30 close to the electronic tag 60 attached to the building material 70, and reads the building material information written in the electronic tag 60 (S5). When the manufacturing factory PDA 30 reads the building material information, the read building material information is displayed on the display unit 35 so that the worker P1 can check the building material 70 and the building material information displayed on the display unit 35 (S6). ).

  After the worker P1 confirms the building material 70 and the building material information displayed on the display unit 35, the shipping date and time and the person in charge of shipping are input from the input unit 34 (S7). When the shipping date / time and the person in charge of shipping are input to the input unit 34, the input shipping date / time / shipping person in charge is stored in the RAM 33 in association with the building material ID related to the read building material information. Subsequently, the data communication card 30 c transmits the building material shipment result information including the input shipping date / time, the person in charge of shipping, and the building material ID to the credit management device 10 via the data communication card I / F unit 37. Subsequently, the credit management device 10 stores the received building material shipment record information in the building material database 15a of the storage unit 15 in association with the building material ID (S8).

[Building material loading information registration]
When a transporter that transports the building material 70 from the manufacturing factory 101 to the distribution center 102 loads the building material 70 onto the transport vehicle C1, when the manufacturing factory 101 loads, information is transferred between the transporter PDA 30D and the electronic tag 60. The driver D1 brings the carrier PDA 30D closer to the electronic tag 60 attached to the building material 70 and reads the building material information written in the electronic tag 60 so that the transmission / reception is within a possible range (S9). When the transporter PDA 30D reads the building material information, the read building material information is displayed on the display unit, and the driver D1 can confirm the building material 70 and the building material information displayed on the display unit (S10).

  After the driver D1 confirms the building material 70 and the building material information displayed on the display unit, the loading date and time and the carrier name (driver name) are input from the input unit (S11). When the loading date and time and the name of the carrier are input to the input unit, the input loading date and time and the name of the carrier are stored in the RAM in association with the building material ID related to the read building material information. Subsequently, when the transporter PDA 30D transmits the building material loading record information including the input loading date / time / transporter name and the building material ID to the credit management device 10, the building material loading record information is associated with the building material ID. The credit management device 10 stores the building material database 15a in the storage unit 15 (S12).

[Register building material unloading information]
When a transporter that transports the building material 70 from the manufacturing factory 101 to the distribution center 102 unloads the building material 70 to the distribution center 102, information is transferred between the transporter PDA 30D and the electronic tag 60 when the distribution center 102 unloads. The driver D1 brings the carrier PDA 30D close to the electronic tag 60 attached to the building material 70 and reads the building material information written in the electronic tag 60 so that the transmission / reception is within a possible range (S13). When the transporter PDA 30D reads the building material information, the read building material information is displayed on the display unit, and the driver D1 can confirm the building material 70 and the building material information displayed on the display unit (S14).

  After the driver D1 confirms the building material 70 and the building material information displayed on the display unit, the unloading date and time and the name of the carrier are input from the input unit (S15). When the unloading date / time and the name of the carrier are input to the input unit, the input unloading date / time / transporter name is associated with the building material ID and stored in the RAM. Subsequently, when the transporter PDA 30D transmits the construction material unloading record information including the input unloading date / time / transporter name and building material ID to the credit management device 10, the building material unloading record information is associated with the building material ID and credited. The management apparatus 10 stores it in the building material database 15a of the storage unit 15 (S16).

[Building material arrival information registration]
When the building material 70 from the manufacturing factory 101 is received at the distribution center 102, the worker is in a range where information can be transmitted and received between the distribution center PDA 40 and the electronic tag 60 when the distribution center 102 is received. P2 brings the distribution center PDA 40 closer to the electronic tag 60 mounted on the building material 70 and reads the building material information written in the electronic tag 60 (S17). When the distribution center PDA 40 reads the building material information, the read building material information is displayed on the display unit, and the worker P2 can confirm the building material 70 and the building material information displayed on the display unit (S18).

  After the worker P2 confirms the building material 70 and the building material information displayed on the display unit, the arrival date and time and the person in charge of the arrival are input from the input unit (S19). When the arrival date and time and the arrival person in charge are input to the input unit, the input arrival date and time and the arrival person are stored in the RAM in association with the building material ID included in the read building material information. Subsequently, when the distribution center PDA 40 transmits building material arrival record information including the input arrival date / time, arrival person in charge, and building material ID to the credit management device 10, the credit management device associates the building material arrival record information with the building material ID. 10 stores in the building material database 15a of the storage unit 15 (S20).

  In the above operation, instead of inputting the date / time information from the input unit of each PDA and storing it in the RAM, when reading the building material information written in the electronic tag 60 (S5, S9, S13, S17), May be stored in the RAM, and this time may be used as date / time information. Further, in order to be able to confirm the actual position at this time, the current position measured by the GPS device is stored as position information in the RAM in association with the building material ID included in the read building material information, and this position information is stored. Various performance information including it may be transmitted to the credit management device 10.

  When an information recording medium having a barcode or the like is used instead of the electronic tag 60, each PDA reads the barcode information or the like (building material ID) given to the information recording medium (S5, S9, S13, S17). ), The read building material ID is transmitted to the credit management device 10. Subsequently, each PDA acquires the building material information related to the building material ID from the credit management device 10 and performs the building material check using the acquired building material information (S6, S10, S14, S18).

  FIG. 9 is a block diagram illustrating a schematic configuration in the case where a plurality of construction companies 201 to 203 orders building materials necessary for a construction site from the manufacturing companies 210 to 213 in the credit management system 1.

  FIG. 10 is an operation flow diagram showing a flow from the construction shop 201 placing an order for building materials required for the construction site 103 to the sales being recorded for each ordered building material in the credit management system 1.

  Of these operations, the control operation related to each device is an operation executed by the CPU based on a control program stored in the ROM in each device.

  The monthly average of orders for the construction company 201 for the past three months is 20 million yen, and the houses currently constructed by the construction company 201 are the four residences A, B, C, and D (building site 103). As for House A, it is assumed that the building materials ordered by the construction company 201 are delivered to the construction site, and the payment for each manufacturer for each building material is completed. As for House B, it is assumed that the building materials ordered by the construction company 201 are delivered to the construction site, and the payment for each manufacturer for each building material has not yet been completed. For House C, building materials will be ordered and will be delivered. House D is a house constructed at the construction site 103 and places an order as shown in the following operation. In addition, the total order amount for the building materials for the residence A is 5 million yen, the total order amount for the building materials for the residence B is 6 million yen, the total order amount for the building materials for the residence C is 4 million yen, The total order amount for building materials for D House (building site 103) is 5 million yen.

  The manufacturing company 210 is a company that manufactures and sells doors, sashes, etc., the manufacturing company 212 is a company that manufactures and sells kitchens, baths, and the like, and the manufacturing company 213 manufactures and sells pillars, walls, and the like. Suppose you are a company.

Generally, the following cases (a) to (c) can be considered when evaluating credit to a counterparty (customer) who is going to make an account.
(A) Grant credit without checking past transaction results (b) Check past transaction results and grant credit based on the results (c) Do not grant credit

Of the above (a) to (c), (b) is the most common. When (b) evaluates credit, it may be evaluated based on two or more survey results. .
Specifically, a case will be described in which an evaluation for a business partner is determined based on a survey result based on past transaction results by the evaluator and a survey result (credit record) by a credit research company other than the evaluator.

When the evaluator himself / herself decides an evaluation for a business partner based on the past transaction performance, for example, the business performance of the past business performance is evaluated as “excellent” for a business partner with a very good past business performance. A certain business partner is evaluated as “good”, and a business partner with a poor past transaction performance is evaluated as “good”.
On the other hand, when deciding the evaluation of a business partner based on a credit survey by a credit research company other than the evaluator, for example, if the survey result of the business partner is very good, it is evaluated as “A”. If the previous survey result is normal, it is evaluated as “B”, and if the survey result of the business partner is bad, it is evaluated as “C”.

  Next, the credit rate (CR), which is the evaluation for the business partner, is determined according to the combination of past transaction results (excellent / good / good) and credit research (A / B / C) by credit research firms. .

FIG. 11 is a table for _obtaining an average collection period t _ij , a payment probability p _ij, and an average collection cost c _ij based on past transaction results (i) and credit investigation (j) by a credit investigation company or the like. It is an example. These tables are stored in the storage unit 15.

  For example, as shown in FIG. 11, the collection period, payment probability, average collection cost, and the like for a business partner can be obtained based on past transaction results and credit research by a credit research company or the like.

Note that how to set each element related to the average collection period t _ij , the payment probability p _ij, and the collection average cost c _ij shown in FIG. 11 is know-how on the evaluator side for evaluating credit. Each of these elements is set as needed based on the past results of the evaluator side, empirical judgments of in-house experts, and the like, and the table stored in the storage unit 15 is updated. If the data is prepared, the collection period, payment probability, and collection average cost can be taken as a probability distribution.

  By the way, in general, the relationship between the total value held by construction companies (for example, the overall value of on-hand construction and fixed assets, construction capacity, human assets, etc.) and credits to construction companies can be determined in various ways. As an example, (Formula 1) using the net present value (NPV) is shown.

NPV = (p · X−C) / (1 + r) ^{t / 365} − (v · X + I) (Formula 1)

The NPV obtained using (Equation 1) is the present value of a certain construction work, and is determined in consideration of the credit amount X when purchasing materials and the elements shown in the following (1) to (7).

Each element (variable) for estimating NPV is the following (1) to (7).
(1) Order amount (material purchase amount) = X
(2) Payment probability = p _ij
(3) Average recovery cost = C _ij
(4) Discount rate (value taking into account the impact of price increase rate) = r
(5) Cost of sales ratio = v
(6) Survey costs (past performance survey costs and credit survey costs) = I
(7) Collection period = t _ij
“(5) Cost of sales ratio = v” differs depending on the type of material used for the construction work, but is the same regardless of the type of material in the following for the sake of simplicity. Will be described.

As an example of NPV, the construction company 201 where the past transaction record was evaluated as “Excellent” and the credit record grade was evaluated as “A”, and the past transaction record was evaluated as “Yes” and the credit record grade was evaluated as “C”. The constructed construction store 202 will be described. For example, a case will be described in which 5 million yen is purchased for materials used in a predetermined construction using a credit frame. In this case, a credit of 5 million yen is required. In addition, “(4) Discount rate” is 2%, “(5) Cost of sales ratio” is 70%, and “(6) Survey costs (past performance survey costs and credit survey costs)” is 10,000 yen. When the elements (variables) (1) to (7) for the construction shop 201 and the construction shop 202 are obtained using the table shown in FIG. 11, the following values are obtained.
(1) Order amount (material purchase amount) = 5 million yen (2) Payment probability = Contractor 201: 1, Contractor 202: 0.34
(3) Average recovery cost = Contractor 201: 5000 yen, Contractor 202: 150,000 yen (4) Discount rate = 2%
(5) Cost of sales ratio = 70%
(6) Survey costs (past performance survey costs and credit survey costs) = 10,000 yen (7) Collection period = Contractor 201: 25 days, Contractor 202: 120 days

NPV of the construction of the construction company 201 = (15 million yen-5000 yen) / (1 + 0.02) 25/ ^365- (0.75 million yen + 10,000 yen) = about 14.8 million yen

NPV of the construction work of the construction company 202 = ( ^0.345 million yen-150,000 yen) / (1 + 0.02) ¹²⁰ / ^365- (0.75 million yen + 10,000 yen) = about -1.96 million yen

  As described above, the NPV related to a highly evaluated construction company has a high value. On the other hand, NPV related to a low-rated construction company may be a negative value.

  The construction companies often have multiple constructions, so the total NPV of the construction works is compared with the total value of the construction shop. If it is larger than the value, the total amount of NPV may be used as the credit amount.

  The “maximum credit limit” and “available credit limit” shown in the present embodiment are calculated using the following expressions. These are merely examples, and other calculation formulas may be used, such as using a predetermined credit coefficient set for each construction contractor. For example, instead of (Equation 1), NPV = (p · X) − (v · X) is used to calculate a first value (ΣX) that is the sum of the selling prices of uncollected products, A second value (Σp · X), which is a value obtained by multiplying the first value by the payment probability, is calculated by multiplying the sales price of the product not yet collected by the sales cost rate of the product. A value (v · X) is calculated for each product that has not been collected, and a fourth value (Σv · X) that is the sum of the third values calculated for each product is calculated. Available credit limit (maximum credit limit-Σ (X-NPV)), which is a value obtained by subtracting the second value from the sum of the four values (Σ (X-NPV)) from the maximum credit limit May be calculated.

NPV = (p · X−C) / (1 + r) ^{t / 365} − (v · X + I) (Formula 1)
Maximum credit limit = (Monthly average transaction amount in the past March x 0.6) ... (Formula 2)
Available credit limit = Maximum credit limit-Σ (X-NPV) (Equation 3)
Note that “Σ (X-NPV)” indicates a value obtained by summing up “X-NPV” for each construction performed by the construction company subject to credit evaluation. Note that “Σ (X-NPV)” does not include construction sites where payment to each manufacturer for each building material has been completed. That is, in this embodiment, the calculation is performed without including the A residence.

Before ordering building materials related to House D, when calculating the maximum credit limit of the construction company 201,
Maximum credit limit = (20 million yen x 0.6) = 12 million yen,
Available credit limit = 12 million yen-{(6 million yen-about 1.78 million yen (B House)) + (4 million yen-about 1.18 million yen (C House))} = 12 million yen-(about 42.2 million yen Therefore, before ordering building materials related to House D, the construction shop 201 can place orders for building materials whose value of “X-NPV” is about 49.60 million yen. It is.

[Building material ordering]
When the credit management device 10 receives the integration data created by the CAD integration device 20, the received integration data is stored in a housing management database 15 b (not shown) of the storage unit 15 in association with the site code related to the building site 103. At the same time, the integrated data is transmitted to the construction company PC 201a. Subsequently, in the construction company 201, the integrated data received from the credit management device 10 is displayed on the display unit of the engineering company PC 201a, the operator confirms the content of the integrated data displayed on the display unit, and the part that needs to be corrected is displayed. Correct it. Subsequently, based on the corrected integrated data, building material ordering information (ordering information) that is information for placing an order for building materials required at the construction site 103 is created, and the created building material ordering information is transmitted to the credit management device 10. (S50).

  The corrected integrated data is transmitted from the construction shop PC 201 a to the credit management apparatus 10, and when the credit management apparatus 10 receives the confirmed integrated data from the construction shop PC 201 a, the received integrated data is converted into a site code related to the construction site 103. The credit management device 10 may create the building material ordering information required at the construction site 103 based on the integrated data, while storing them in the housing management database 15b of the storage unit 15 in association with each other.

  The building material ordering information is information including a delivery location (site code), a type of building material (building material code), a quantity of building material, and a delivery date and time.

  FIG. 12 is a diagram showing an order information database 15c by construction company and an order information database 15d by manufacturer, and FIG. 13 is a diagram showing a credit database 15e.

When the credit management device 10 receives the building material ordering information (S51), the received building material ordering information is converted into the construction shop ordering information database 15c shown in FIG. 12 (1) and the manufacturer ordering information database shown in FIG. 12 (2). 15d (S52). Subsequently, “X-NPV” is calculated based on the total amount related to the order information. In this case, based on the past transaction record (i) related to the construction company that sent the building material ordering information and the credit check (j) by a credit check company or the like, the average collection period t _ij , the payment probability p _ij , The recovery average cost c _ij is obtained from the table shown in FIG. The construction company 201 has evaluated that the past transaction performance is “excellent” and the credit record grade is “A”, so the average collection period t _ij is “25”, the payment probability p _ij is “1”, The average recovery cost c _ij is “5000”. Note that “(5) Cost of sales ratio” varies depending on the type of building material, but in order to simplify the explanation, “70%” is used as a unified explanation.

In addition, the value of (Formula 4) is calculated for each building material related to the building material ordering information in one building site, and “X-NPV” related to the building material ordering information is based on the total value of the calculated (Formula 4) value. May be obtained.
NPV ′ = (p · X′−C ′) / (1 + r) ^{t / 365} − (v ′ · X ′ + I ′) (Formula 4)
NPV = ΣNPV '
However, ΣNPV ′ indicates the sum of NPV ′ of each building material at one construction site, “X ′” in (Formula 4) is the order value (material purchase amount) of each building material, and “v ′” is the amount of each building material. The cost of sales ratio, “C ′” is the average recovery cost for each building material, and “I ′” is the survey cost for each building material.

  The past transaction record (i) related to each construction company and the credit check (j) by a credit check company and the like used when calculating “X-NPV” are stored in the storage unit 15 in advance. Alternatively, the latest information may be input from the input unit 14 at any time when building material ordering information is received. The past transaction record (i) relating to each construction company may be created and used based on information stored in the manufacturer-specific ordering information DB 15d shown in FIG. For example, “excellent” is assigned to a construction shop without “×” or “△” in the “evaluation” column, and “good” is designated for a construction shop without “×” within a predetermined number (for example, 2). And an evaluation “Yes” is created for a construction shop where “×” exists. In addition, the storage unit 15 stores building material information (commodity information) including a cost of sales ratio and a selling price, together with past transaction results of construction companies including collection / non-collection of the price of building materials. The storage unit 15 stores in advance the payment probabilities of the respective contractors determined based on the past transaction results of the respective contractors, and the respective contractors determined based on the past transaction results of the respective contractors. You may make it memorize | store transaction performance evaluation information (average collection period, payment probability, collection average cost etc.) which shows the transaction performance evaluation of a shop.

  Since the total order amount related to the building materials of D House (building site 103) is 5 million yen, “X-NPV” = 5 million yen−about 1.48 million yen = about 35.2 million yen. Next, it is determined whether or not the calculated value of “X-NPV” is within the range of the available credit limit of the construction shop 201 stored in the credit database 15e (S53), and the calculated “X-NPV” When the value of “” exceeds the range of the available credit limit, an order impossible notification is transmitted to the construction shop PC 201a that transmitted the order information (S100).

  On the other hand, if the calculated value of “X-NPV” is within the range of the available credit limit, it is determined that the order amount relating to the building material of D House is within the credit limit of the construction company 201 (S53). Subsequently, the value of the available credit frame in the credit database 15e shown in FIG. 13 (1) is changed to a value obtained by subtracting the calculated value of “X-NPV” (S54). That is, the value of the available credit limit of the construction company 201 is changed to “144 = 496 (10,000 yen) −352 (10,000 yen)” (S54). If it is determined that the order amount is within the credit limit of the contractor 201, a message to that effect is displayed / sound output, or transmitted to the contractor PC 201a that transmitted the order information, etc. You may make it output (notify) that it determined with it being in the range (S53). Further, a fifth value (p · X), which is a value obtained by multiplying the sales price (X) of the building material related to the received ordering information by the payment probability, is calculated, and the sales price of the building material related to the received ordering information is calculated. The sixth value (v · X), which is a value obtained by multiplying the sales cost ratio of the building material, is calculated, and the seventh value ((p · X) is obtained by subtracting the sixth value from the fifth value. ) − (V · X)) may be calculated, and a value obtained by subtracting the seventh value from the sales price of the building material related to the received ordering information may be set as the value of “X-NPV”.

  Subsequently, the ordering information received from the construction shop PC 201a is transmitted to the manufacturing company PC related to the building material for each building material related to the ordering information (S55). For example, when the building material is a door, it is transmitted to the manufacturing company PC 210a. In addition, since the usable credit limit of the construction shop 201 is about 49.60 million yen and the value of “X-NPV” with respect to the order amount related to the building material of the D house (building site 103) is about 35.2 million yen, It is determined that the order amount 103 is within the range of available credit lines.

  When the manufacturing company PC 210a receives the order information from the credit management device 10, the manufacturing company PC 210a transmits the building material shipment instruction information of the building material related to the building material code to the distribution center PDA 40 based on the building material code included in the order information. Note that the credit management device 10 may directly transmit the building material shipment instruction information to the distribution center PDA 40.

  Subsequently, the ordering information transmitted to the manufacturing company PC 210a is stored in the transport information database 15g and the transport cost information database 15h for each manufacturer / product (S56). Next, based on the site code, building material code, building material quantity, delivery date and time included in the ordering information, the carrier (transporter code), shipping location (distribution center code), and shipping date and time are determined. decide. Subsequently, transportation information (product contents by house, quantity, delivery date / time instruction, delivery package, weight, special notes, etc.) is added to the ordering information (S57), and transportation / delivery is information obtained by adding transportation information to the ordering information. Information is transmitted to the carrier PDA 40D and the construction site PDA 50 based on the determined carrier (carrier code) and the site code included in the ordering information (S58, S75, S86), and the distribution center PDA40. (S60).

[Building materials shipment]
When the distribution center PDA 40 receives the ordering information and the transportation / delivery information (S60), the received information is stored in the RAM, and the building material shipment instruction information included in the transportation / delivery information is displayed on the display unit (S61). In this case, for example, the shipping date and time, the building material, the quantity of the building material, the packing form of the building material, and the name of the carrier to be loaded are displayed.

  Subsequently, in order to confirm whether or not the building material prepared for shipment is the building material instructed to be shipped, the information can be transmitted and received between the distribution center PDA 40 and the electronic tag 60. Thus, the worker P2 approaches the electronic tag 60 attached (attached) to the building material 70 with the distribution center PDA 40, and the worker P2 inputs an operation for confirming whether the building material is instructed to be shipped. Run in the department. When this confirmation operation is executed, the electronic tag reader / writer sends information to the effect that the building material information stored in the EEPROM 62 is read out to the electronic tag 60 via the electronic tag reader / writer I / F unit. When the electronic tag 60 receives the information, the building material information stored in the EEPROM 62 is transmitted to the distribution center PDA 40 (S62).

  Subsequently, when the distribution center PDA 40 receives the building material information from the electronic tag 60, the building material code included in the received building material information is compared with the building material code included in the building material shipping instruction information. As a result of the comparison, if both of the compared building material codes are the same, it can be determined that the building material related to the received building material information and the building material related to the building material shipping instruction information are the same. The display unit displays an instruction to ship the existing building material 70, a date and time of shipment, and an input of a person in charge of shipment.

  The worker P2 who sees this display proceeds with preparations for shipping the designated building material 70, and inputs a shipping date and a person in charge of shipping from the input unit of the distribution center PDA 40 (S63). When the shipping date / time and the person in charge of shipping are input to the input unit, the input shipping date / time / shipping person in charge is stored in the RAM in association with the building material ID included in the read building material information.

  Subsequently, when the shipping date / time and the person in charge of shipping are input to the input unit (S63), the building material shipment result information including the input shipping date / time and the person in charge of shipping and the building material ID included in the read building material information is stored as data. The data communication card transmits to the credit management device 10 via the communication card I / F unit (S64). When the building material shipment result information is received, the building material shipment result information is associated with the building material ID on the basis of the site code and the building material code included in the building material shipment result information, and each database of the credit management device 10 (the building material database 15a, the construction shop) The order information database 15c, the order information database 15d by manufacturer, the transport information database 15g, and the transport cost information database 15h) are stored.

  Further, when the credit management device 10 receives the building material shipment result information from the distribution center PDA 40 (S59), the received building material is received based on the site code and the carrier code included in the building material ordering information corresponding to the received building material shipment result information. You may make it transmit the building material collection instruction | indication information containing the building material ID which concerns on shipment results information, or building material receipt instruction information to the carrier PDA40D and the construction site PDA50. In this way, by transmitting each instruction information including the building material ID related to the received building material shipment result information to each PDA, the building material shipped from the distribution center 102 and the building material to be confirmed by each PDA are the same. Can be accurately determined.

[Internal processing]
When the credit management device 10 receives the building material shipment result information from the distribution center PDA 40 (S59), the shipping information (shipping date and time) based on the building material shipment result information is stored in each database. Specifically, the date is recorded in the “shipment” column of each database shown in FIGS. Further, along with storing in each database, based on the manufacturer-specific ordering information database 15d, the manufacturer-specific account receivable information including the building material ID is created (S65), and the created manufacturer-specific account receivable information is notified to the financial institution (S66). ). In the present embodiment, the maker-specific account receivable information is account receivable information created when the building material related to the order is shipped.

[Construction material transportation]
When the carrier PDA 40D receives the transportation / delivery information (S75), the received transportation / delivery information is stored in the RAM, and the building material collection instruction information included in the transportation / delivery information is displayed on the display unit (S76). In this case, for example, the collection date and time, the building material, the quantity of the building material, the packaging form of the building material, and the collection location are displayed.

  Subsequently, in order to confirm whether or not the building material to be loaded is the building material instructed to be collected, transportation is performed so that information can be transmitted and received between the carrier PDA 40D and the electronic tag 60. The driver D3 brings the trader PDA 40D closer to the electronic tag 60 attached to the building material 70, and the driver D3 executes an operation for confirming whether or not the building material is instructed to collect the cargo at the input unit. When this confirmation operation is executed, the carrier PDA 40D can read the building material information stored in the electronic tag 60 (S77).

  Subsequently, when the carrier PDA 40D reads the building material information from the electronic tag 60, the building material ID (building material code) included in the building material information is compared with the building material ID (building material code) included in the building material collection instruction information. As a result of the comparison, if both of the compared building material IDs (building material codes) are the same, it can be determined that the building material related to the received building material information is the same as the building material related to the building material collection instruction information. The display unit displays an instruction to load the building material 70 to which is attached, and the input of the loading date and time and the driver in charge.

  The driver D3 who sees this display loads the designated building material 70 on the transport vehicle C2, and inputs the loading date and time and the responsible driver from the input section of the transporter PDA 40D (S78). When the loading date / time and the responsible driver are input to the input unit, the input loading date / time and the responsible driver are stored in the RAM in association with the building material ID included in the read building material information. Subsequently, the transporter PDA 40D transmits the building material loading result information including the input loading date / time / driver in charge and the building material ID to the credit management device 10 (S79), and the building material loading result information is used as the building material ID. The data are stored in each database of the credit management device 10 in association with each other.

[Unloading building materials]
After transmitting the building material loading record information to the credit management device 10, the transporter PDA 40D displays the building material unloading instruction information included in the transportation / delivery information stored in the RAM on the display unit (S80). In this case, for example, the delivery date and time, the building material, the quantity of the building material, the packing form of the building material, and the delivery location are displayed.

  When unloading the building material at the delivery location displayed on the display unit, between the carrier PDA 40D and the electronic tag 60 in order to confirm whether the building material to be unloaded is the building material instructed to be delivered. The driver D3 brings the carrier PDA 40D closer to the electronic tag 60 attached to the building material 70 so that the information can be transmitted and received in order to confirm whether the building material is instructed to be delivered. The driver D3 executes the operation at the input unit. When this confirmation operation is executed, the carrier PDA 40D can read the building material information stored in the electronic tag 60 (S81).

  Subsequently, when the carrier PDA 40D reads the building material information from the electronic tag 60, the building material ID (building material code) included in the building material information is compared with the building material ID (building material code) included in the building material unloading instruction information. As a result of the comparison, if both of the compared building material IDs (building material codes) are the same, it can be determined that the building material related to the received building material information and the building material related to the building material unloading instruction information are the same. The display unit displays an instruction to unload the building material 70 to which 60 is mounted, and an input date and time of unloading and an unloading position.

  The driver D3 who sees this display unloads the designated building material 70 from the transport vehicle C2, and inputs the unloading date and time and the driver in charge from the input section of the transporter PDA 40D (S82). When the unloading date and time and the driver in charge are input to the input unit, the input unloading date and time and the driver in charge are associated with the building material ID included in the read building material information and stored in the RAM. Subsequently, the transporter PDA 40D transmits the construction material unloading record information including the input unloading date / time and the driver in charge and the building material ID to the credit management device 10 (S83), and associates the building material shipment record information with the building material ID. And stored in each database of the credit management device 10.

  Instead of directly delivering building materials shipped from each distribution center to the construction site, the building materials shipped from each distribution center are sent to regional distribution centers provided for each predetermined area (for example, units of wards and municipalities). The building materials that have been once delivered and delivered to the regional distribution center may be collected for each construction site, and the collected building materials may be delivered to each building site. In this case, the same operations as in steps S75 to S83 are executed.

[Construction material receipt]
When the construction site PDA 50 receives the transportation / delivery information (S86), the received transportation / delivery information is stored in the RAM, and the building material receiving instruction information included in the transportation / delivery information is displayed on the display unit (S87). In this case, for example, the delivery date and time, the building material, the quantity of the building material, the packing form of the building material, and the name of the carrier to deliver are displayed.

  When the transporter displayed on the display unit unloads the building material, in order to confirm whether or not the building material to be received is the building material instructed to receive the cargo, between the construction site PDA 50 and the electronic tag 60. The worker P3 is brought close to the electronic tag 60 attached (attached) to the building material 70 so that the information can be transmitted and received, and it is confirmed whether the building material is instructed to receive the cargo. The operator P3 executes an operation for performing the operation at the input unit. When this confirmation operation is executed, the electronic tag reader / writer sends information to the effect that the building material information stored in the EEPROM 62 is read out to the electronic tag 60 via the electronic tag reader / writer I / F unit. When the electronic tag 60 receives the information, the building material information stored in the EEPROM 62 is transmitted to the construction site PDA 50 (S88).

  Subsequently, when the building site PDA 50 receives the building material information from the electronic tag 60, the building material ID (building material code) included in the received building material information is compared with the building material ID (building material code) included in the building material receiving instruction information. As a result of the comparison, if both of the compared building material IDs (building material codes) are the same, it can be determined that the building material related to the received building material information is the same as the building material related to the building material receiving instruction information. The display unit displays an instruction to receive the building material 70 to which the is attached, a date and time of receiving the cargo and a person in charge of receiving the cargo.

  The worker P3 who sees this display receives the instructed building material 70, and inputs the receiving date and time and the person in charge of receiving the cargo (S89). When the receiving date and time and the person in charge of receiving the goods are input to the input unit, the input date and time of receiving the goods and the person in charge of receiving the goods are stored in the RAM in association with the building material ID included in the read building material information. Subsequently, the data communication card uses the data communication card I / F unit to send the building material receipt result information including the input receipt date / time, the person in charge of the receipt, and the building material ID included in the read building material information, to the credit management device. 10 (S90).

  When the credit management device 10 receives the building material receipt result information (reception information) from the building site PDA 50 (S70), the building material receipt result information is associated with the building material ID included in the received building material receipt result information. Store in each database. Specifically, the date is recorded in the “reception” column of each database shown in FIGS.

  Subsequently, when the date is recorded in the “Received” column for each building material stored in the manufacturer-specific ordering information database 15d, the credit management apparatus 10 records each building material in which the date is recorded in the “Received” column. Such invoices are created for each manufacturer for each manufacturer (S71), and the created invoice is sent to each construction company PC (S91). Send to PC. Note that the invoice may be created after all receipts have been completed at each site, or may be performed each time receipt information is received. In addition, the bill includes the building material ID. Subsequently, the sales record information classified by manufacturer including the building material ID is created (S72), the sales reversal information classified by manufacturer including the building material ID is created (S73), and the created sales reversal information classified by manufacturer is notified to the financial institution. (S74). By notifying the financial institution of the receivable cancellation information by manufacturer including the building material ID, it is possible to record the sales corresponding to the sales receivable information based on the building material ID, and therefore it is possible to accurately calculate the sales.

FIG. 14 is a diagram showing changes in accounts receivable / sales for a manufacturing company's construction shop.
FIG. 14 (1) is a diagram showing the time displacement between the time of sales receivable and the time of sales recording for a plurality of building materials, and FIG. 14 (2) corresponds to the time displacement diagram shown in FIG. 14 (1). It is a graph which shows the time displacement of the total amount of the accounts receivable to do. In the case of the present embodiment, processing at the time of sales receivable and sales recording is performed based on information read from the electronic tag 60, so there is almost no time lag between logistics and money processing. That is, it is possible to execute quick and accurate sales / receivable processing.

  When the contractor PC receives the bill from the credit management device 10 (S91), the sales recording process is executed based on the received bill (S92), and payment information including the building material ID is created, and the created payment information is created. (Transfer details etc.) is output (S93).

  Based on the transfer statement output from the contractor PC, the construction company 201 performs the transfer to each manufacturer within a predetermined period in association with the building material ID. This transfer operation may be automatically performed between the construction shop PC and the financial institution. When the transfer is completed, the construction company PC creates transfer completion information for the manufacturer that has completed the transfer, and transmits the created transfer completion information to the credit management device 10. Further, when the transfer company confirms the completion of the transfer, the transfer confirmation information is transmitted to the credit management device 10. Note that the corresponding building material ID is included in the transfer completion information and the transfer confirmation information.

  Received from the building materials stored in each database on the condition that the credit management device 10 received both the transfer completion information from the construction company and the transfer confirmation information from the manufacturing company (price collection information) The fact that payment has been completed for the building materials related to the transfer completion information and the transfer confirmation information is registered in each database. Specifically, the date is recorded in the column “Payment date” based on the building material ID included in the received transfer completion information and transfer confirmation information. That is, the price collection information is registered.

Thus, when the date is recorded in the “Payment date” column, the NPV ′ related to the building material is excluded in order to exclude the credit limit for the building material whose date is recorded in the “Payment date” column. And use (Formula 5) to calculate the available credit line.
Available credit limit = {maximum credit limit−Σ (X−NPV)} + (X′−NPV ′) (Formula 5)
Subsequently, the calculated available credit limit is stored in the credit database 15e. By doing in this way, since a contractor can place an order based on the latest available credit line, an appropriate credit line can be maintained.

  As a result, when building a house, it is possible to accurately specify the actual shipping date and time, the shipping location, and the like, so that it is possible to register information relating to accurate building materials in the credit management device 10. Furthermore, since the building material information used for the house can be accurately registered, an appropriate credit line or loan line can be set for the construction shop that constructs the house. In addition, appropriate credit can be evaluated. Therefore, the purchase range and credit of the construction company can be expanded, and low-priced and high-quality houses can be supplied to purchasers of the houses. Moreover, it is possible to prevent a building material handler such as an operator from loading and unloading the building material by mistake.

  In addition, since each worker can visually confirm various instruction information (shipping date and time, building materials, etc.) easily on the display unit of each PDA, each worker can easily make a work plan. When a plurality of instruction information is stored in the RAM, the instruction information may be displayed on the display unit in the order of the date / time of the instruction information or the order according to the instruction of the worker.

  In addition, instead of storing the date and time information input to each PDA by each worker, if both compared building material IDs (or building material codes) are the same, the time at this time is stored in the RAM, This time may be used as date information. Further, the current position measured by the GPS device is stored as position information in the RAM in association with the building material ID included in the read building material information so that the actual position at this time can be confirmed, and the credit management device 10 You may make it transmit to.

  Further, instead of displaying and notifying each of the above information on the display unit of each PDA, an output means for outputting sound or the like may be provided, and the above information may be notified by this output means.

  In the present embodiment, the credit management system that receives orders from a plurality of construction companies and places an order with a plurality of manufacturers has been described. However, this credit management system is divided into one manufacturing company or sales company and a plurality of construction companies. Can be applied to Further, in the present embodiment, the exchange between the construction company and the manufacturing company has been described. However, this credit management system is used between the product purchaser other than the construction company and one or more manufacturing companies or sales companies. It can be applied to exchanges.

  According to the first embodiment, since it is possible to grasp accurate logistics information in building material units based on the building material ID using the electronic tag, when building a building such as a house, the building such as the house is Appropriate credit lines or credit lines can be set for construction companies. In addition, the order amount is converted based on the NPV, and based on the converted value, it is determined whether or not the order amount is within the range of the credit frame. Therefore, the purchase range and credit of the construction shop can be expanded. As a result, a low-priced and high-quality house can be supplied to a purchaser of the building such as the house.

  In each of the above embodiments, a PDA is used as a communication terminal. However, a communication terminal other than a PDA having a communication function with a predetermined network and a read / write function of an electronic tag may be used.

  Moreover, the system which comprises the function which the credit management apparatus 10 shown in each said embodiment has with a some information processing apparatus may be provided, and this whole system may be made to perform operation | movement of the credit management apparatus 10. FIG.

Each of the above embodiments can be understood as a program invention.
That is, the present invention is realized by storing a program related to the control operation in a storage medium of an information processing apparatus such as a personal computer, reading the program from the storage medium, and causing the information processing apparatus to execute the read program. be able to.

  As an application example of the present invention, an information processing apparatus such as a personal computer may be used to cause the information processing apparatus to execute a control operation according to the present invention.

It is a block diagram which shows the structure of the credit management system 1 which is the 1st Embodiment of this invention. It is a schematic block diagram which shows schematically the hardware constitutions used in the credit management system 1. 2 is a block diagram showing an internal configuration of a credit management device 10. FIG. It is a block diagram which shows the internal structure of the PDA main body 30a. 3 is a block diagram showing an internal configuration of an electronic tag reader / writer 30b and an electronic tag 60. FIG. It is a figure which shows the outline of the management method of the electronic tag with which the building material in the credit management system 1 is mounted | worn. It is a figure which shows the case where the housing basic information stored in the building material database 15a which the credit management apparatus 10 manages is displayed on the display part 16. FIG. FIG. 6 is an operation flowchart showing a flow of transporting building materials 70 manufactured at a manufacturing factory 101 to a distribution center 102 in the credit management system 1. In the credit management system 1, it is a block diagram which shows schematic structure in case the some construction contractors 201-203 order the building materials required for a construction site from the manufacturing companies 210-213. In the credit management system 1, it is an operation | movement flowchart which shows the flow after the construction shop 201 orders the building materials required for the construction site 103 until the sales recording about each ordered building material is carried out. It is an example of the table _| surface which calculates _| requires average collection period _tij , payment probability _pij , and collection _| recovery average cost _cij based on the past transaction performance (i) and credit investigation (j) by a credit research company etc. . It is a figure which shows the order information database 15c classified by construction shop, and the order information database 15d classified by manufacturer. It is a figure which shows the credit database 15e. It is a figure which shows the shift of the accounts receivable and sales with respect to the construction company of a manufacturing company.

Explanation of symbols

1 ... Credit management system,
10: Credit management device,
20 ... CAD integrating device,
30 ... Manufacturing factory PDA,
40 ... carrier PDA,
50 ... Building site PDA,
60 ... Electronic tag,
70 ... building materials,
90 ... Internet.

The present invention is used in a first information processing apparatus used in a business partner who orders a product, a first communication terminal used in a product receiving place of the business partner, and a vendor selling the product. A credit management device that connects to a second information processing device via a predetermined network and manages the credit of the business partner, product distribution information that is information relating to the distribution of the product, and attached to the product The identification information recorded in the portable recording means is stored in association with each other, and is determined based on the past transaction record of the supplier including the collection / non-collection of the price of the product and the past transaction record of the supplier. Transaction performance storage means for storing transaction performance evaluation information indicating the transaction performance evaluation of the supplier, product information storage means for storing product information including a sales cost rate and a sales price, and the transaction performance storage means Remembered over The means for setting the maximum credit limit of the business partner based on the transaction result of the transaction, the set maximum credit limit, the transaction result evaluation information stored in the transaction result storage means, and the transaction result storage means Based on the sales price of each uncollected product included in the stored past transaction results, and the cost of sales related to each uncollected product stored in the product information storage means, Means for calculating an available credit line of a supplier, credit storage means for storing the calculated available credit line and the supplier in association with each other, and order information which is information relating to product purchases as the first information means for receiving from the processing unit, when receiving the order information, stores the order information in the transaction record storing unit, the transaction performance evaluation information stored in the transaction record storing unit, the order information And selling price of a product according to, on the basis of the cost of sales rate according to the product stored in the product information storage means, and means for calculating a first value is a predetermined value according to the order information, the first value calculated is determined whether there are any within the scope of the credit storage unit in the available stored credit, if the first value is within the range of the available credit line, It is determined that the order amount of the product related to the received order information is within the credit range of the business partner, and means for outputting the fact, and the order amount of the product related to the received order information is the business partner Means for changing the available credit limit stored in the credit storage means to a value obtained by subtracting the first value from the available credit limit when it is determined that the credit limit is within the range of the credit limit. Product related to the ordering information and identification information recorded In the distribution stage related to the commodity with the portable recording means attached thereto, the first communication terminal receives the commodity reception information including the identification information read from the portable recording means and the receipt date and time from the first communication terminal. When the product receipt information is received, the product receipt information is stored in the transaction record storage means in association with the identification information included in the product receipt information, and the product receipt information is related to the product receipt information. Means for transmitting a bill including the identification information to the first information processing device, and transmitting a copy of the bill including the identification information to the second information processing device, and a product related to the bill Means for receiving transfer completion information from the first information processing apparatus, which is information indicating that the transfer has been completed and includes identification information related to the product, and the transfer completion of the product related to the invoice Means for receiving transfer confirmation information from the second information processing apparatus, which is information indicating that the origin has been confirmed and includes identification information relating to the product, and the transfer completion information and the transfer confirmation including the same identification information The transaction result storage means that the payment of the goods related to the transfer completion information and the transfer confirmation information is completed in association with the identification information included in the transfer completion information and the transfer confirmation information on the condition that the information is received. While registering, based on the transaction performance evaluation information stored in the transaction performance storage means, the sales price of the product, and the cost of sales related to the product stored in the product information storage means, A second value, which is a predetermined value related to the transfer completion information and the transfer confirmation information, is calculated, and the available credit frame stored in the credit storage means is set to the available credit frame. Credit management apparatus characterized by comprising a means for changing the value obtained by adding the a credit management method and a program used for this.

The credit management device is connected to a second communication terminal used at the merchandise shipping location of the seller via the network, and is a portable product in which identification information is recorded, which is a merchandise related to the order information. Means for receiving, from the second communication terminal, merchandise shipment record information including the identification information and the shipping date and time read by the second communication terminal from the portable recording means in the distribution stage related to the commodity to which the recording means is attached. When receiving the product shipment record information, the product shipment record information is stored in the transaction record storage means in association with the identification information included in the product shipment record information, and the product related to the ordering information is shipped. Account receivable information that is created at the same time and includes the identification information is transmitted to a third information processing apparatus, which is an information processing apparatus that executes sales record processing in a financial institution. When receiving the product receipt information, the information for canceling the sales receivable information of the product related to the product receipt information and including the identification information included in the product receipt information. Is transmitted to the third information processing apparatus.

The present invention relates to a credit management system and a credit management method .

In the case of building a building such as a house, the present invention can set an appropriate credit line or a loan line for a construction shop that constructs a building such as a house, and expands the purchase scope and credit of the construction shop. It is an object of the present invention to provide a credit management system and a credit management method capable of supplying a low-priced and high-quality housing to a purchaser of a building such as the housing.

The present invention is used in a first information processing apparatus used in a business partner who orders a product, a first communication terminal used in a product receiving place of the business partner, and a vendor selling the product. A credit management system in which a second information processing apparatus and a credit management apparatus that manages credit of the business partner are connected via a predetermined network , wherein the first information processing apparatus relates to product purchase Means for transmitting the ordering information, which is information, to the credit management device, the credit management device recorded in the merchandise distribution information, which is information relating to the merchandise distribution, and the portable recording means attached to the merchandise. In addition to storing the identification information in association with each other, the transaction result evaluation of the supplier determined based on the past transaction record of the supplier including the collection / non-collection of the price of the product and the past transaction record of the supplier Transaction performance evaluation showing Based on past transaction results stored in the transaction result storage means, transaction information storage means for storing product information, product information storage means for storing product information including a sales cost rate and a sales price, Means for setting a maximum credit limit of a supplier, the set maximum credit limit, transaction result evaluation information stored in the transaction result storage means, and past transaction results stored in the transaction result storage means Based on the selling price of each uncollected product included in the product and the cost of sales ratio for each uncollected product stored in the product information storage means, means for calculating a credit storage means for storing in association with the partner and the calculated available credit line, when receiving the order information from the first information processing apparatus, the order information the transaction record SL The transaction result evaluation information stored in the transaction result storage means, the sales price of the product related to the ordering information, and the cost of sales ratio related to the product stored in the product information storage means And a means for calculating a first value, which is a predetermined value related to the order information, and the calculated first value is within a range of available credit frames stored in the credit storage means. If the first value is within the range of the available credit limit, it is determined that the order amount of the product related to the received order information is within the credit limit of the business partner. And a means for outputting that information, and the use stored in the credit storage means when it is determined that the order amount of the product related to the received order information is within the credit line of the supplier. About credit line, from the available credit line Means for changing the first value to a value obtained by subtracting the first value, and the first communication terminal is a product related to the ordering information and equipped with a portable recording means in which identification information is recorded. A means for reading identification information from the portable recording means, and means for transmitting product receipt information including the identification information read from the portable recording means and the date and time of receipt of goods to the credit management device. The credit management device receives the product receipt information from the first communication terminal, and receives the product receipt information, and associates the product receipt information with the identification information included in the product receipt information. A bill of merchandise related to the merchandise receipt information that is stored in the transaction record storage means and includes the identification information is transmitted to the first information processing apparatus, and the bill of the bill including the identification information Deduction The and means for transmitting to said second information processing apparatus, the first information processing apparatus includes means for receiving the bill from the credit management system, the transfer is complete product according to the bill And means for transmitting transfer completion information including identification information relating to the product to the credit management device, and the second information processing device stores a copy of the invoice in the credit Means for receiving from the management device, and information indicating that the seller has confirmed the completion of the transfer of the product related to the invoice, and transmits the transfer confirmation information including the identification information related to the product to the credit management device And the credit management device receives the transfer completion information from the first information processing device, and the same identification information as the means for receiving the transfer confirmation information from the second information processing device. Including the transfer completion information including On the condition that the transfer confirmation information has been received, the transaction results indicate that payment of the goods related to the transfer completion information and the transfer confirmation information has been completed in association with the transfer completion information and the identification information included in the transfer confirmation information. Based on the transaction performance evaluation information stored in the transaction performance storage device, the sales price of the product, and the sales cost rate related to the product stored in the product information storage device, while registering in the storage device A second value, which is a predetermined value related to the transfer completion information and the transfer confirmation information, for the available credit frame stored in the credit storage means, the second value in the available credit frame A credit management system, and a credit management method used for the credit management system .

Further, a second communication terminal used in product shipping location of the distributor, and the third information processing apparatus for executing sales recording process in the financial institution is connected to the credit management system via the network, The second communication terminal has a means for reading the identification information from the portable recording means in a distribution stage relating to the goods related to the ordering information and the portable recording means on which the identification information is recorded. And means for transmitting product shipment record information including the identification information read from the portable recording means and the shipping date and time to the credit management device, wherein the credit management device sends the product shipment record information to the second When receiving the product shipment record information from the communication terminal, the product shipment record information is associated with the identification information included in the product shipment record information. Both stores, the accounts receivable recorded information including the identification information to a trade information created when ship goods according to the order information, and means for transmitting to said third information processing apparatus, the product Upon receipt of the receipt information, the third item is the information for canceling the account receivable information related to the merchandise receipt information, and including the identification information included in the merchandise receipt information. Means for transmitting to the information processing apparatus.

Claims (5)

A credit management device for managing credit of a business partner who sells a product,
Stores the past transaction results of the business partner including collection / non-collection of the price of the product, and transaction performance evaluation information indicating the transaction performance evaluation of the business partner determined based on the past business performance of the business partner. Transaction record storage means;
Product information storage means for storing product information including a cost of sales ratio and a sales price;
Means for setting a maximum credit line of the customer based on past transaction results stored in the transaction result storage means;
The set maximum credit limit, the transaction performance evaluation information stored in the transaction performance storage means, and the sales price of the uncollected product included in the past transaction performance stored in the transaction performance storage means; , Means for calculating an available credit line of the business partner based on the sales cost rate stored in the product information storage means;
Means for receiving ordering information, which is information related to product purchase, from the supplier;
Based on the transaction performance evaluation information stored in the transaction performance storage means, the sales price of the product related to the received ordering information, and the cost of sales ratio stored in the product information storage means, the received Means for calculating a predetermined value related to the order information;
It is determined whether or not the calculated predetermined value is within the range of the available credit line, and if the calculated predetermined value is within the range of the available credit line, the product related to the received order information Means for determining that the order amount is within the credit line of the customer;
A credit management device comprising: A credit management device for managing credit of a business partner who sells a product,
Transaction result storage means for storing past transaction results of the customer including price collection / non-recovery of the product, and the payment probability of the customer determined based on the past transaction results of the customer;
Product information storage means for storing product information including a cost of sales ratio and a sales price;
A means for setting a maximum credit line of the customer, which is a value obtained by multiplying an average value of transaction amounts within a predetermined period by a predetermined value, based on past transaction results stored in the transaction result storage means;
Means for calculating a first value that is a sum of selling prices of uncollected products included in past transaction results stored in the transaction result storage means;
Means for calculating a second value which is a value obtained by multiplying the first value by the payment probability stored in the transaction record storage means;
A third value, which is a value obtained by multiplying the sales price of the uncollected product included in the past transaction record stored in the transaction record storage means by the sales cost ratio of the product, is set for each uncollected product. Means for calculating a fourth value that is the sum of the third values calculated for each product;
Means for calculating an available credit line that is a value obtained by subtracting the second value from the sum of the first value and the fourth value from the maximum credit line;
Means for receiving ordering information, which is information related to product purchase, from the supplier;
Calculate a fifth value, which is a value obtained by multiplying the sales price of the product related to the received order information by the payment probability stored in the transaction record storage means, and sell the product related to the received order information. A sixth value that is a value obtained by multiplying the price by the sales cost rate of the product, a seventh value that is a value obtained by subtracting the sixth value from the fifth value, and the reception Means for calculating an eighth value, which is a value obtained by subtracting the seventh value from the sales price of the product related to the ordered information;
It is determined whether or not the eighth value is within the range of the available credit line, and if the eighth value is within the range of the available credit line, the product of the received order information is received. Means for determining that the order amount is within the credit line of the customer;
A credit management device comprising: In the transaction record storage means, merchandise distribution information, which is information related to merchandise distribution, and identification information are stored in association with each other,
Means for receiving the identification information read from the portable recording means in each distribution stage relating to the commodity to which the portable recording means having the identification information recorded is attached;
When receiving the identification information, means for sequentially registering the reception date and time in the merchandise distribution information related to the identification information stored in the transaction record storage means;
Means for receiving price collection information about the product sold to the supplier;
Means for receiving the price collection information, registering the price collection information in the merchandise distribution information of the product related to the price collection information stored in the transaction record storage means;
The credit management device according to claim 1 or 2, characterized by comprising: A credit management method for managing credits of business partners who sell products,
Storing in the transaction record storage means a past transaction record of the supplier including the price collection / non-collection of the product and a payment probability of the partner determined based on the past transaction record of the supplier; ,
Storing product information including the cost of sales ratio and the sales price in the product information storage means;
Setting the maximum credit limit of the customer, which is a value obtained by multiplying the average value of the transaction amount within a predetermined period by a predetermined value, based on past transaction results stored in the transaction result storage means;
Calculating a first value that is a sum of sales prices of uncollected products included in past transaction results stored in the transaction result storage means;
Calculating a second value which is a value obtained by multiplying the first value by the payment probability stored in the transaction record storage means;
A third value, which is a value obtained by multiplying the sales price of the uncollected product included in the past transaction record stored in the transaction record storage means by the sales cost ratio of the product, is set for each uncollected product. Calculating a fourth value that is a sum of the third values calculated for each product,
Calculating an available credit line that is a value obtained by subtracting the second value from the sum of the first value and the fourth value from the maximum credit line;
Receiving ordering information, which is information related to product purchase, from the supplier;
Calculate a fifth value, which is a value obtained by multiplying the sales price of the product related to the received order information by the payment probability stored in the transaction record storage means, and sell the product related to the received order information. A sixth value that is a value obtained by multiplying the price by the sales cost rate of the product, a seventh value that is a value obtained by subtracting the sixth value from the fifth value, and the reception Calculating an eighth value that is a value obtained by subtracting the seventh value from the sales price of the product related to the ordered information;
It is determined whether or not the eighth value is within the range of the available credit line, and if the eighth value is within the range of the available credit line, the product of the received order information is received. Determining that the order amount is within the credit line of the customer;
A credit management method comprising: A program to be executed by a computer of a credit management device that manages credits of business partners who sell products,
A procedure for storing in the transaction record storage means a past transaction record of the supplier including the price collection / non-collection of the product, and a payment probability of the supplier determined based on the past transaction record of the supplier ,
A procedure for storing product information including the cost of sales ratio and the sales price in the product information storage means;
Based on the past transaction record stored in the transaction record storage means, a procedure for setting the maximum credit limit of the customer, which is a value obtained by multiplying the average value of the transaction amount within a predetermined period by a predetermined value;
A procedure for calculating a first value that is a sum of sales prices of uncollected products included in the past transaction record stored in the transaction record storage unit;
Calculating a second value that is a value obtained by multiplying the first value by the payment probability stored in the transaction record storage means;
A third value, which is a value obtained by multiplying the sales price of the uncollected product included in the past transaction record stored in the transaction record storage means by the sales cost ratio of the product, is set for each uncollected product. And calculating a fourth value that is the sum of the third values calculated for each product,
Calculating an available credit line that is a value obtained by subtracting the second value from the sum of the first value and the fourth value from the maximum credit line;
A procedure for receiving order information, which is information relating to product purchase, from the supplier;
Calculate a fifth value, which is a value obtained by multiplying the sales price of the product related to the received order information by the payment probability stored in the transaction record storage means, and sell the product related to the received order information. A sixth value that is a value obtained by multiplying the price by the sales cost rate of the product, a seventh value that is a value obtained by subtracting the sixth value from the fifth value, and the reception A procedure for calculating an eighth value, which is a value obtained by subtracting the seventh value from the sales price of the product related to the ordered information;
It is determined whether or not the eighth value is within the range of the available credit line, and if the eighth value is within the range of the available credit line, the product of the received order information is received. A procedure for determining that the order amount is within the credit line of the customer;
A program that causes a computer to execute.

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