JP2009122884A - Personal security loan support system, server, program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a personal security loan support system which supports information management of personal property and personal property evaluation like livestock products which carry out interdiurnal change. <P>SOLUTION: A farm personal property information management means 31 of a server 30 of a personal property management center is connected with a terminal 15 of an agricultural corporation 10 and a terminal 21 of a financial institution 20 through a network 40, presents screens for processing of receipt of goods/birth information management 311, feed-medication-transfer information management 313, shipment information management 315 to the terminal 15 according to a request from the terminal 15, and stores the receipt of goods/birth information, feed-medication-transfer information, etc. that are input in an individual breeding history information database (DB) 351 of a personal property information DB 35. A security information management means 33 for financial institution of the server 30 of the personal property management center presents processing screens of security information management 331 or setting management 333 to a terminal 21 according to a request from the terminal 21, computes personal security loan appraised amount of loan business (agricultural corporation 10) based on the data stored in the individual breeding history information DB 351 and presents it on the terminal 21. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a personal property collateral loan support system that supports personal property management processing and personal property collateral evaluation processing in personal property financing in which a financial institution provides financing with the property such as livestock products as collateral.

In recent years, paying attention to corporate business, various assets based on business, for example, asset-based lending (ABL), which provides financing by setting collateral on inventory, machinery and equipment (mobile property) and accounts receivable (credit) It is getting started.
In this ABL, movable property is generally placed in the hands of companies (debtors), and for financial institutions (creditors) that provide loans, management of movable collateral (transfer, loss, damage, transfer, etc. of properties) Is difficult to grasp.

Under such a background, a system for computerizing processes such as setting, managing, changing, and canceling personal property has been proposed (Patent Document 1).
In this system, the property management server has property information data for movable property, the financial institution server downloads this property information data, and the financial institution server creates a collateral-eligible property list for movable products, collateral setting, collateral management, collateral change, Each process of collateral cancellation is executed.
JP 2006-185300 A

  However, the above system handles the setting, movement, and cancellation of movable property collateral. If the movable property changes daily, such as livestock products, the collateral that grasps the management status of movable property, etc. There is a problem that evaluation cannot be performed.

  The present invention has been made in view of such problems, and an object thereof is to provide a movable collateralized loan support system that supports information management and movable property evaluation of movable property that changes daily such as livestock products. It is.

  1st invention for solving the subject mentioned above is a personal property collateral loan support system which supports personal property collateral loan which a financial institution provides financing with personal property as collateral, Comprising: Personal property information which supports management information input of the personal property Management support means; movable property information storage means for storing the movable property management information input by the movable property information management support means; and movable property collateral evaluation support means for supporting evaluation of the collateral value of the movable property, The property information management means transmits the property management information input screen to the property owner terminal in response to a request from the property owner terminal connected by a communication line, and is input from the property owner terminal. The movable property management information is received and stored in the movable property information storage means, and the movable property collateral evaluation support means is in response to a request from the terminal of the financial institution connected by a communication line. Seeking valuation of the personal property security from the movables management information stored in the production information storage unit, a asset-based lending support system, characterized by presenting the terminal of the financial institution.

Here, it is desirable to identify and manage each movable property by attaching an information storage identifier to each movable property and reading the information stored identifier with a terminal having a reading function. Code.
In addition, a movable property management plan is set in advance for the movable property, and the movable property collateral evaluation means calculates the evaluated value of the movable property collateral in consideration of the state of compliance with the movable property management information of the movable property and the movable property management plan. .

With the above configuration, the movable property owner manager identifies each movable property by an information storage identifier such as an IC tag attached to the movable property, and is transmitted to the terminal via the communication line by the movable property information management support means. From the input screen for movable property management information, it is possible to input and transmit the management information of each movable property, and to store the movable property information by the movable property information storage means.
Further, the financial institution can obtain information on the evaluation value of the personal property collateral by accessing the personal property collateral evaluation support means. At this time, the personal property collateral evaluation support unit compares the individual personal property management information stored in the personal property information storage unit with the preset personal property management plan, and calculates the collateral evaluation value.

Here, the movable property is a livestock product, and it is preferable that the mobile tag is identified by reading the IC tag attached to each livestock product with the terminal having a reading function. In addition, the movable property management plan is a plan of the kind and switching time of the feed to be given to the livestock product during the period from the start of management to shipment, and the name of the medicine to be administered and the time of medication, Is set. The movable property management information includes an identifier of the animal product, the movable property management plan, a feeding history, and a medication history.
The movable collateral evaluation support means presets the collateral evaluation price of the livestock product when the movable property management plan is satisfied, and the movable property management of each of the livestock products stored in the movable property management information storage means If the information satisfies the movable property management plan, the estimated value of the movable property is calculated based on the collateral evaluated price, and if not, the estimated value of the movable property is lower than the collateral evaluated price. Is calculated.

  With the above configuration, the daily feeding status and medication status of livestock products are accumulated as movable property management information in the movable property management information storage means, and the movable property management information and the movable property management plan are compared and evaluated, and the movable property security evaluation support means Makes it possible to calculate the collateral value for livestock products that change daily.

  A second invention is a server that supports a personal property secured loan in which a financial institution provides a loan with personal property as collateral, and is connected to the terminal of the owner of the personal property and the terminal of the financial institution through a network, In accordance with a request from the terminal of the owner of the movable property, movable property information management support means for supporting the management information input of the movable property, movable property information storage means for storing the movable property management information input by the movable property information management support means, Mobile property collateral evaluation support means for supporting evaluation of the collateral value of the movable property, and the movable property information management unit displays the movable property management information input screen in response to a request from the terminal of the movable property owner. Transmitting to the owner's terminal, receiving the movable property management information input from the movable property owner's terminal, storing it in the movable property information storage means, the movable property security evaluation support means, The request from the terminal of the engine, the calculated evaluation value of the from the movables management information stored in the personal property information storing means personal property security, a server, characterized by presenting the terminal of the financial institution.

  A third invention is a program characterized by causing a computer to function as the server.

  ADVANTAGE OF THE INVENTION According to this invention, it becomes possible to perform information management and movable property evaluation of the movable property which changes daily like livestock products.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a diagram showing a system configuration of a personal property secured loan support system 1 according to the present embodiment.

As shown in FIG. 1, the personal property secured loan support system 1 has a configuration in which, for example, a terminal 15 of a farm 10, a terminal of a financial institution 20, and a movable property management center server 30 are connected via 40.
The farm 10 is a debtor who receives a loan from the financial institution 20 by using livestock to be mobilized as a movable property.

For example, farm A10-1 receives a loan from financial institution 20 with cattle 101 and farm B10-2 with pigs as movable collateral.
At farm A10-1, IC tags 131 (131-1, 131-2,... 131-m) are attached to individual cows 101-1, 101-2,. Individual identification is performed using a unique code registered in an internal memory (not shown) as an identifier.
In Farm B10-2, IC tags 132 (132-1, 132-2,... 132-m) are attached to individual pigs 102-1, 102-2,. Individual identification is performed using a unique code registered in a memory (not shown) in the IC tag 132 as an identifier.
The IC tags 131 and 132 are non-contact type and are usually attached to the ears of livestock products. In the personal property secured loan support system 1 according to the present embodiment, the IC tags 131 and 132 are used for identification of personal property. However, not only the IC tag but also an information storage identifier such as a barcode can be used.

The farm A 10-1 and the farm B 10-2 respectively have portable terminals 17-1, 17-2 with IC tag reader / writer and terminals 15-1, 15-2.
The portable terminals 17-1 and 17-2 with IC tag reader / writer communicate with the IC tags 131 and 132 by wireless communication with a frequency of 134.2 kHz, for example, and the IC tags 17-1 attached to the cow 101 and the pig 102 The information such as the identifier stored in the memory in 17-2 is read by the reader, and the information is written in the memories in the IC tags 17-1 and 17-2 as necessary.

  On the other hand, the terminals 15-1 and 15-2 are connected to the movable property management center server 30 via the network 40 such as the Internet. For example, the IC tags and the terminals 15-1 and 15-2 are connected via an interface such as RS-232C, USB, and wireless. It is connected to portable terminals 17-1 and 17-2 with reader / writer.

  For example, when medication is given to cattle 1 (101-1), the individual identifier of IC tag 131-1 of cattle 1 (101-1) for which medication has been given is used as portable terminal 17 with IC tag reader / writer. -1 and the medication date / time and the drug name are input to the IC tag reader / writer 17-1 and temporarily stored in the internal memory for the daily management of information. The portable terminal 17-1 with a writer is connected to the terminal 15-1, and the individual identifier, medication date / time, and medicine name are sent to the terminal 15-1.

The movable property management center server 30 includes a movable property information management unit 31 for farms, a collateral information management unit 33 for financial institutions, and a movable property information database 35.
The farm property information management means 31 and the financial institution security information management means 33 are programs provided to the farm 10 and the financial institution 20 as ASP services (Application Service Provider services), respectively.

The farm property information management means 31 is a program for inputting and managing daily breeding status of livestock products such as cattle 101 and pigs 102 from the terminal 15 of the farm 10.
When the terminal 15 of the farm 10 accesses the movable property management center server 30 via the network 40, the movable property management center server 30 activates the movable property information management means 31 for the farm, A processing program for inputting feeding information, medication information, etc., which is the breeding status of the pig 102, is sent to the terminal 15.

The terminal 15 displays a screen for inputting movable property information such as the breeding status, and the breeding manager inputs the breeding status and the like according to this screen. At this time, information temporarily stored in the terminal 17 with IC tag reader / writer (for example, medication information for a specific livestock product) may be input.
The breeding status or the like input to the terminal 15 is sent to the farm property management information management means 31 of the property management center server 30 via the network 40.
The farm property information management means 31 stores the received property information such as the breeding status in the property information database 35.

On the other hand, the collateral information management means 33 for the financial institution is a program for managing the collateral status of the farm 10 and sending it to the terminal 21 of the financial institution 20 via the network.
When the terminal 21 of the financial institution 20 accesses the movable property management center server 30 via the network 40, the movable property management center server 30 activates the collateral information management means 33 for the financial institution and confirms the collateral status with the financial institution 20. After the farm 10 to be designated is designated, the movable property information such as the breeding status of the farm 10 stored in the movable property information database 35 is searched, the evaluation value as movable collateral is calculated, and the financial institution 20 is transmitted via the network 40. To the terminal 21. In addition to the evaluation amount, the history of the evaluation amount and the movable property information such as the breeding situation are sent to the terminal 21 as necessary.

  The movable property information database 35 stores the movable property information such as the above-mentioned breeding situation, the history of the evaluation amount, the data for calculating the evaluation amount, and the like.

FIG. 2 is a hardware configuration diagram of the server 30.
The server 30 is configured by connecting a control unit 201, a storage unit 202, a media input / output unit 203, a communication control unit 204, an input unit 205, a printing unit 206, a display unit 207, and the like via a bus 208.

The control unit 201 includes a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM (Random Access Memory), and the like.
The CPU calls a program stored in the storage unit 202, ROM, recording medium, etc. to a work memory area on the RAM, executes it, drives and controls each device connected via the bus 208, and is described later by the server 30. To achieve the process.
The ROM permanently stores a computer boot program, a program such as BIOS, data, and the like, and the RAM temporarily stores the loaded program and data, and is used by the control unit 201 to perform various processes. Provide work area.

  The storage unit 202 is an HDD (Hard Disk Drive), and stores a later-described processing program executed by the control unit 201, data necessary for program execution, an OS (Operating System), and the like. These program codes are read by the control unit 201 as necessary, transferred to the RAM, read by the CPU, and executed as various means.

  The media input / output unit 203 (drive device) is a media input / output device such as a floppy (registered trademark) disk drive, PD drive, CD drive, DVD drive, or MO drive, and performs data input / output.

  The communication control unit 204 includes a communication control device, a communication port, and the like, is a communication interface that mediates communication with the network 40, and executes communication control.

The input unit 205 is, for example, a keyboard, a pointing device such as a mouse, or an input device such as a numeric keypad, and inputs data.
A printing unit 206 is a printer and performs print output processing.
The display unit 207 includes a display device such as a liquid crystal panel and a CRT monitor, and a logic circuit (such as a video adapter) for executing display processing in cooperation with the display device.

  The hardware configuration of the terminal 15 of the farm 10, the portable terminal 17 with IC tag reader / writer, and the terminal 21 of the financial institution 20 will not be described in detail, but a personal computer similar to the hardware configuration of the server 30 shown in FIG. It can be configured with a computer.

FIG. 3 is a diagram illustrating a functional configuration of the personal property secured loan support system 1.
The agricultural corporation (farm) 10 concludes an ABL contract for receiving a loan from the financial institution 20 using livestock products reared and managed by the farm 10 as collateral for movable property.
Normally, the agricultural corporation 10 having an ABL contract has an obligation to report collateral information to the financial institution 20.
In the personal property collateral loan support system 1 of the present embodiment, the server 30 of the third party property management center can perform the collateral information reporting process on behalf of the agricultural corporation 10.

That is, the agricultural corporation 10 concludes an ASP contract with the movable property management center 30 and receives provision of the aforementioned movable property information management means 31 for the farm.
The farm property information management means 31 is a property information bookkeeping system comprising arrival / birth information management 311, feeding / medicine / change information management 313, and shipping information management 315. The movable property information (breeding history information) such as the situation is input and sent to the movable property management center server 30.

On the other hand, the financial institution 20 also signs an ASP contract with the movable property management center 30 and receives provision of the collateral information management means 33 for the financial institution described above.
The collateral information management means 33 for the financial institution is the collateral information management system 2 including the collateral information management 331 and the setting management 333, and the financial institution 20 uses this to check the collateral information of the agricultural corporation 10, Set management such as collateral setting.

  The movable property information database 35 includes an individual breeding history information database 351, a feed database 353, a pharmaceutical database 355, an evaluation price database 357, and the like, details of which will be described later.

FIG. 4 is a diagram for explaining movable property information. For example, FIG. 5A shows the movable property information about the cow 101, and FIG. 5B shows the movable property information about the pig 102.
In the case of cattle 101, breeding farms and fattening farms are often separated, and calves are purchased from breeding farms at fattening farms, for example, after fattening for 20 months and then shipped.

Upon purchase of the calf, the arrival information is sent from the terminal 15 to the movable property management center server 30 via the network 40. The arrival information is, for example, the arrival date, individual identification number (individual identifier of the IC tag 131), breed, breeding plan, group, and the like.
The breeding plan is a movable property management plan that is set in advance according to the breed of the cow 101 and the like, and is a plan such as the type of bait, the switching time, the medication, and the medication time within the period from arrival to shipment. The breeding plan will be described later.
The group is set so that a plurality of cattle can be managed together, and a plurality of cattle having the same breed, arrival time / month, barn, etc. are set as the same group. Usually, cows in the same group receive the same feeding and medication.

During the fattening of the cow 101, the property management information is sent from the terminal 15 to the property management center server 30 via the network 40 regularly or irregularly such as every day.
The movable property management information includes, for example, feeding (feed name, switching date), medication (pharmaceutical name, medication date), transfer (arrival, death, trap: exclusion from breeding cattle and the date).
Then, when the fattening of the cow 101 is completed, it is shipped. At that time, as the shipping information, information such as the shipping date is sent from the terminal 15 to the movable property management center server 30 via the network 40.

On the other hand, in the case of the pig 102, breeding and fattening are often performed on the same farm.
Therefore, as shown in FIG. 4 (b), the birth date, individual identification number, breed, breeding plan, group, etc. are given as birth information when the piglet is born, and feeding, medication, change information, etc. are given during fattening. At the time of shipment, the date of shipment is transmitted from the terminal 15 to the movable property management center server 30 via the network 40.

FIG. 5 is an explanatory diagram of a breeding plan.
The breeding plan is set in advance by the farm 10 according to the breed of livestock products.
For example, the period from the arrival of the cow 101 (calf) to the shipment is 600 days, and the feed name, switching time, medication time, and drug name plan to be given in the meantime are defined as the breeding plan.
For example, in the breeding plan P1, the first stage is from the 0th day to the 30th day, during which the feed A is given and the medicine X is administered on the 15th day. Further, feed B is given to the second stage from the 30th day to the 180th day, the drug Y is administered on the 75th day, and the feed C is given to the third stage from the 180th day to the 600th day.

Similarly, breeding plans P2 and P3 also divide 0 to 600 days into three stages, and define the feed to be given, the switching time, the medication time, and the drug name.
Such a breeding plan may be stored in advance in the movable property information database 35 of the movable property management center server 30 as a standard, and the farm 10 may be set as a breeding plan for each livestock product when the farm 10 is received. A standard breeding plan (P1 or the like) may be changed to suit the livestock products of the farm, or a breeding plan may be created independently and registered in the movable property information database 35 of the movable property management center server 30.

The breeding plan is a standard for the collateral evaluation value of livestock products as movable property. Livestock products generally grow, and the collateral value increases as they approach the shipping date. Therefore, by determining the collateral evaluation price for each stage of the breeding plan, it becomes possible to perform collateral evaluation of livestock products in each stage.
The breeding plan (for example, P1 to P3) and the collateral evaluation price for each stage of the breeding plan are registered and stored in the movable property information database 35 in advance.

  6 and 7 are flowcharts showing the processing flow of the farm property management information management means 31, and FIGS. 8 to 10 are explanatory diagrams of the processing screen and the property information database.

The agricultural corporation 10 attaches the IC tags 131 and 132 to the livestock product when the livestock product (cow or pig) is newly received / produced (step 501). The IC tags 131 and 132 have a unique identification code.
Next, the information with the IC tags 131 and 132 is read by the terminal 17 with IC tag reader / writer, and the identification code is read as an individual identifier of the livestock product (step 502).

Next, the movable property management center server 30 is accessed from the terminal 15 via the network 40 (step 503).
The control unit 201 of the movable property management center server 30 receives access from the terminal 15 of the farm 10, activates the movable property information management means 31 for the farm, and displays, for example, a login menu 410 as shown in FIG. 15 (step 551).
The login menu 410 has an input field 411 for inputting the user name and password of the farm 10.

When the breeding manager logs in by entering the user name and password in the input field 411 of the login menu 410 displayed on the terminal 15 (step 504), the control unit 201 of the movable property management center server 30 receives the input user. If the user name and password are authenticated, a main menu 420 as shown in FIG. 8B, for example, is presented on the terminal 15 (step 552).
The main menu 420 has a menu button 421 for selecting processing contents. For example, it includes menu buttons 421 such as “arrival / birth information”, “feeding / medication / transfer information”, “shipment information”, and the like.

  When the breeding manager selects “arrival / birth information” in the main menu 420 displayed on the terminal 15 (step 505), the control unit 201 of the movable property management center server 30, for example, as shown in FIG. A receipt / birth information input screen 430 is presented on the terminal 15 (step 553).

FIG.8 (c) has shown the birth information input screen 430 of the pig 102 of the farm 10-2.
As birth information, it has an input column 431 for an identification code, a birth date, a brand, a group, a breeding plan and the like. Further, by selecting the selection input button 433, it is also possible to select and input each item from the options.
The identification code read by the IC tag reader 17 in step 502 is temporarily stored in the terminal 15, and the selection input button 433 in the identification code input field 431 is selected, so that the identification code stored in the primary code can be selected. It can be selected and entered in the input field 431.

The brand (for example, L (Land Race)) is the name of the breed or production area of the pig 102, and the existing brand is selected and input by selecting the selection dormitory button 433.
Further, the same group name (for example, G1) is given to a group of pigs 102 reared in the same barn or pen or a group of pigs 102 to which the same breeding plan is applied at the same time. If the group name has already been registered, the selection input button 433 is used for selection input.
By providing a group, it becomes possible to perform input when inputting information such as feeding and medication in units of groups, and it is possible to save labor for inputting movable management information for individual livestock products.
The breeding plan (for example, P1) is the kind of breeding plan to be applied to the pig 102. If the breeding plan is already registered, the breeding plan is selected and input with the selection input button 433.

A birth information input screen 430 is displayed on the terminal 15, and the breeding manager inputs arrival / birth information along the birth information input screen 430 (step 506). The input arrival / birth information is transmitted to the movable property management center server 30 via the network 40 (step 507). With the above processing, the processing of the arrival / birth information by the farm 10 is completed.
The control unit 201 of the movable property management center server 30 registers the received arrival / birth information in the individual breeding history information database 351 of the movable property information database 35 (step 554), and ends the process.

FIG. 8D is an example of the individual breeding history information database 351 of the movable property information database 35.
As shown in the figure, the individual breeding history information database 351 includes a company code 360, an identification code 361, a birth date 363, a brand 365, a breeding plan 367, a group 369, a feeding history 371, a medication history 373, and the like.

  The company code 360 is the identification code or company name of the farm 10, and the company code 360 is determined by the login in step 504 and step 552 in FIG. In step 554, the ID code 361, the date of birth 363, the brand 365, the breeding plan 367, and the group 369 are registered and stored.

In the figure, for example, the pig 102 with the identification code 361 (K1 to K6) is stored in the individual breeding history information database 351 as the livestock product of the farm 10-2 with the company code C1.
The birth date 363 of the pig 102 with the identification codes K1 to K4 is October 28, 2004, and the birth date 363 of the pig 102 with the identification codes K5 and K6 is October 29, 2004. In the brand 365, all the pigs 102 having the identification codes K1 to K6 are L (land race).
Thus, the pigs 102 (identification codes K1 to K6) whose birth date is close may be processed as the same group G1. The breeding plan 367 is also set to the same P1.

Next, the flow of feeding / medication / transfer information processing will be described with reference to FIGS.
From the terminal 15 of the farm 10, the breeding manager accesses the movable property management center 30 via the network 40 (step 511).
The control unit 201 of the movable property management center server 30 receives access from the terminal 15 of the farm 10, activates the movable property information management means 31 for the farm, and displays, for example, a login menu 410 as shown in FIG. 15 (step 561).
When the breeding manager logs in by entering the user name and password in the input field 411 of the login menu 410 displayed on the terminal 15 (step 512), the control unit 201 of the movable property management center server 30 receives the input user. If the user name and password are authenticated, for example, a main menu 420 as shown in FIG. 8B is presented on the terminal 15 (step 562).
The main menu 420 has a menu button 421 for selecting processing contents. For example, it includes menu buttons 421 such as “arrival / birth information”, “feeding / medication / transfer information”, “shipment information”, and the like.

When the breeding manager selects “Feeding / Medication / Transfer Information” in the main menu 420 displayed on the terminal 15 (step 513), the control unit 201 of the movable property management center server 30 displays, for example, FIG. A feeding / medication / change information input screen 440 as shown in (b) is presented on the terminal 15 (step 563).
The feed / medicine / change information input screen 440-1 shown in FIG. 9 (a) is a group-specific input screen 441 for inputting information in units of groups, and FIG. 9 (b) is input information of individual livestock products. For example, the individual screens 442 may be changed by clicking the label portion for each group / individual.

First, the group-specific input screen 441 has input fields 443 for a group name, a feeding switching date, a feed name before switching (now), a feed name after switching, a medication date, a drug name, and the like, and is selected by a selection input button 445. It is also possible to input.
The group name is displayed by searching the individual breeding history information database 351 using the company code 360 identified at the time of login in step 512 and step 562 as a key and pressing the selection input button 445 for the registered group name 369. Select and input from among them.
The feeding change date input field 443 automatically displays the date of the day on which the process is being executed. When the change date is not the same day, the selection input button 445 can be pressed to select the date. You can do it.

If the animal product is already being bred, the feed name up to the feeding switching date is stored in the feeding history column 371 of the individual breeding history information database 351, and this feed name (Feed A) is stored in the past feed column. Is displayed.
In the input field of the feed after switching, the name of the feed after switching (feed B) along the breeding plan (for example, P1) of the group G1 is automatically displayed. When switching to another feed, the selection input button 445 is used. Is pressed to display the feed database 353 of the movable property information database 35 as shown in FIG. 10 (a) so that it can be selected and input.
Here, the information of each breeding plan (for example, P1 to P3) (the feed name and the switching time to be given, the medication name and the medication time) is stored in the movable property information database 35 in advance.

In the case of medication, the medication date and the drug name are automatically displayed and can be selected and input as in the case of feeding switching.
The feeding switching date and the medication date are known in advance by the group breeding plan, and after the terminal 15 logs in, it is preferable to automatically present the group whose switching date or medication date is approaching to the terminal 15.

On the other hand, as shown in FIG. 9B, on the individual input screen 442, feeding / medication / change information can be input for each individual.
For example, when the drug Q is administered only to the sick pig 102 (identification code K1), the information is input using the individual input screen 442.
The identification code is selected and input using the selection input button 445 from the identification codes K1 to K6 of the livestock products (pigs 102) belonging to the corresponding company code C1 in the individual breeding history information DB 351.
As for the medication date, the date of the input date is automatically displayed in the input field 443 as well as the feeding switching date described above, and other date and time can be selected and input by the selection input button 445.
In the case of the drug name input field 443, by pressing the selection input button 445, the drug database 355 of the movable property information database 35 as shown in FIG. To.

  When the breeding manager inputs the feeding / medication / change information from the feeding / medication / change information input screen 440 (for example, the group-specific input screen 441 or the individual-specific input screen 442) displayed on the terminal 15 (step 514), the information is input. The feeding / medication / transfer information is transmitted to the movable property management center server 30 via the network 40 (step 515). Thereby, the feeding / medication / transfer information processing by the terminal 15 of the farm 10 is completed.

The control unit 201 of the movable property management center server 30 registers the received feeding / medication / transfer information in the individual breeding history information database 351 of the movable property information database 35 (step 564), and ends the process.
FIG. 9B is a configuration example of the individual breeding history information database 351 of the movable property information database 35.
For livestock products (identification codes 361K1) belonging to the group 369 (for example, G1), input is made along the group-specific input screen 441 in FIG. 9A (step 514), and the feeding switching and FIG. The medication information for the individual K1 input along the individual input screen 442 stores information on the feeding history 371 and the medication history 373, respectively.

For example, in the feeding history 371, the pigs 102 with the identification codes K1 to K4 are given feed A from the date of birth to November 26, 2004, and are given feed B with November 27, 2004 as the switching date. Is stored.
In the medication history 373, information indicating that the drug X was administered on October 12, 2004 is stored in the pigs 102 having the identification codes K1 to K4. Unlike other pigs 102 of G1, information indicating that the medicine Q is also administered on November 30, 2004 is stored.

  In the above feeding / medication / transfer information processing (FIGS. 7 and 9), the process for the transfer information has not been explained. ), An input field 443 for inputting a change date and time and a selection input button 445 are provided on the feeding / medicine / change information input screen 440, and the change information input and sent to the property management center server 30 is These are stored in the change information column (not shown) of the individual breeding history information database 351 of the movable property information database 35.

FIG. 10 is a diagram showing a configuration example of the feed database 353 and the drug database 355 in the movable property information database 35 described above.
As shown in FIG. 10 (a), in the feed database 353, the name of the feed 381, the recommended feeding time 382, the name of the breeding plan that is applied, etc. Is stored in advance, and can be referred to when a new breeding plan is set or when feeding / medication / transfer information is input.
As shown in FIG. 10 (b), the drug name 385, recommended dosing time 386, information 387 such as efficacy / components, etc. are applied to the drug database 355 for pig farming or beef cattle. A breeding plan name 388 or the like is stored in advance. This pharmaceutical database 355 can also be referred to when a new breeding plan is set or when feeding / medication / transfer information is input.

As described above, the farm 10 is provided with a program (input screen) for inputting the movable property management information from the movable property management center server 30 connected to the terminal 15 via the network 40, and the daily movable property management information. It is possible to input easily.
The input movable property management information is accumulated in the movable property information database 35 of the movable property management center server 30 and used for movable property collateral evaluation, which will be described later.

Next, collateral information processing by the terminal 21 of the financial institution 20 and the movable property management center server 30 will be described with reference to FIGS.
FIG. 11 is a flowchart showing the flow of collateral information processing, FIG. 12 is a diagram showing a screen example, FIG. 13 is a diagram for explaining current collateral evaluation processing, and FIG. 14 is an evaluation price stored in the movable property information database 35 FIG. 15 is a diagram illustrating a configuration example of the database 357, and FIG. 15 is a diagram illustrating a current collateral evaluation confirmation screen example 640.

As shown in FIG. 11, first, when the financial institution 20 accesses the movable property management center server 30 from the terminal 21 via the network 40 (step 601), the control unit 201 of the movable property management center server 30 is directed to the financial institution. The collateral information management means 33 is activated and a login menu 610 is presented on the terminal 21 (step 651).
FIG. 12A shows a screen example of the login menu 610 displayed on the terminal 21. It consists of input fields 611 such as a user name and a password.

When the user name and password are input from the terminal 21 of the financial institution 20 into the input field 611 and logged in (step 602), the control unit 201 of the movable property management center server 30 authenticates the login and authenticates. Presents the main menu 620 to the terminal 21 of the financial institution 20 (step 652).
FIG. 12B is a screen example of the main menu 620 displayed on the terminal 21. It includes menu buttons 621 such as “confirm collateral information” and “setting” for selecting the content of processing, a warning display field 623, and the like.

The “collateral information confirmation” menu button is used to select the confirmation process of the status of property collateral and evaluation of a company (for example, the farm 10) financed by the financial institution 20, and the “setting” menu button is This is a button for selecting setting processing such as registration of customer information and setting of warning criteria. “Setting” will be described later.
In the warning display field 623, for example, a display that prompts a warning is given in the case where the property secured by the financial institution 20 that provides loans is deteriorated.

When “collateral information confirmation” is selected in the main menu 620 displayed on the terminal 21 of the financial institution 20 (step 603), the control unit 201 of the movable property management center server 30 presents a customer company selection menu 630 (step 653). ). The customer company selection menu 630 is a menu for determining which company's collateral information is to be confirmed when the financial institution 20 provides a personal property collateral loan to a plurality of companies.
As shown in FIG. 12 (c), the customer company selection menu 630 includes a selection button 631 for selecting from the types of industries such as “Agriculture”, “Livestock industry”, “Fisheries”, and the company name as the first character. For example, a selection button 631 or the like.
By pressing these selection buttons 631 of the customer company selection menu 630 displayed on the terminal 21, the control unit 201 of the movable property management center server 30 displays a list of company names corresponding to the type of business or the first character on the terminal 21. And let them select a client company.

  When the customer company name is selected from the terminal 21 (step 604), the control unit 201 of the movable property management center server 30 calculates the current collateral evaluation amount of the selected customer company, and displays the current collateral evaluation confirmation screen 640 on the terminal 21. Present (step 654).

FIG. 13A is a flowchart showing the flow of the current collateral evaluation process in step 654, and FIG. 13B is an explanatory diagram of the current collateral evaluation process.
First, the individual breeding history information database 351 of the movable property information database 35 is searched using the customer company name (company code 360) selected by the terminal 21 in step 604 as a key, and data belonging to the corresponding company code 360 is extracted (step 700).
Next, the extracted data is searched and stored (fattened pigs, mother pigs, wagyu beef cattle, crossbred fattening cows, dairy breeding cattle, etc.) and brands (Kagoshima black pig, Kagoshima satsuma pig, Each black pig, white pig, etc.) and breeding plan steps (for example, steps 1 to 4), the corresponding number of livestock products is counted (step 701).

FIG.13 (b) is a figure explaining the fattening step.
For example, it is assumed that the breeding plan P1 is set in advance for the pigs 102 of the group G1 fattening on the farm 10.
That is, from the birth to the weaning time 25 days from Steps 1 and 26 to the food switching time 75 days from Step 2, 76 days to the next food switching time 120 days from Steps 3 and 121 Step 4 is set up to 200 days of the time.

Here, the fattening status of a pig 102 that is actually raised can be examined by searching the individual breeding history information database 351 of the movable property information database 35.
For example, as shown in the lower part of FIG. 13B, it is assumed that the actual weaning is on the 27th day, the first switching time is 73 days, and the current 125th day is in the state of step 3. This pig 102 has a breeding plan P1, and in the plan, it should be step 4 on the 125th day.
In the counting process of step 701, counting is performed based on the actual fattening steps stored in the individual breeding history information database 351.

  Next, referring to the evaluation price database 357 of the movable property information database 35, the collateral evaluation value of the movable property held by the farm 10 is calculated for each species and brand (step 702).

FIG. 14 is a diagram illustrating a configuration example of the evaluation price database 357 of the movable property information database 35.
An evaluation price 397 is set and stored for each storage species 391, brand 393, and fattening step 395.
For example, the evaluation price of the Kagoshima black pig whose actual fattening step 395 is step 2 is 60,000 yen.

By multiplying this evaluation price by the number of animals belonging to the fattening step, the evaluation amount of all Kagoshima black pigs in this step is calculated.
Similarly, the evaluation values of the pigs belonging to other steps (1, 3,...) Of Kagoshima black pigs are calculated, and the evaluation values of all the Kagoshima black pigs are calculated by summing them.
Similarly, the valuation amount is calculated for all stocks and brands of the selected farm (company).

In step 702, evaluation values for all stocks and brands are calculated, and then the evaluation value calculation results are presented to the terminal 21 as a current collateral evaluation confirmation screen 640.
FIG. 15 is an example of the current collateral evaluation confirmation screen 640.
The current collateral evaluation value of farm B is displayed along with the number of heads, the number of heads, etc. for all stocks and brands.
The current collateral evaluation confirmation screen 640 is displayed on the terminal 21 of the financial institution 20 (step 605), and the person in charge of the financial institution 20 can confirm the current collateral evaluation amount of the loan target company such as the farm B. Become.

On the current collateral evaluation confirmation screen 640, several selection buttons 641 are displayed in addition to the above-mentioned current collateral evaluation amount.
For example, when the logout selection button 641 is selected, the processing of the terminal 21 of the financial institution 20 and the collateral information management means 33 for the financial institution of the movable property management center server 30 is completed.
If the main menu selection button 641 is selected, the control unit 201 of the movable property management center server 30 returns to step 652 to present the main menu 620.
If the selection button 641 for selecting a customer company is selected, the control unit 201 of the movable property management center server 30 returns to step 653 and presents a customer company selection menu 630.
Further, when the detailed data display selection button 641 is selected, the control unit 201 of the movable property management center server 30 presents detailed information in the individual breeding history information database 351 of livestock products belonging to the customer company.

On the other hand, when the history information selection button 641 is selected from the terminal 21 (step 606), the control unit 201 of the movable property management center server 30 presents a report content menu 650 for selecting the report content to the terminal 21. (Step 655).
FIG. 16A shows a screen example of the report content menu 650.
For example, a “collateral history information” selection button 651 and a “count by period” selection button 651 are displayed.

When the report content is selected with the selection button 651 from the report content menu displayed on the terminal 21 (step 607), the control unit 201 of the movable property management center server 30 presents the selected report content to the terminal 21 (step 656). ).
The collateral history information and period-by-period data are obtained at the time of the calculation process of the current collateral evaluation value, and may be stored in the movable property information database 35 as collateral information history, and these data are necessary. What is necessary is just to process and show to the terminal 21 according to it.

FIG. 16B is a screen example of the collateral history confirmation screen 660.
Based on the collateral information history data stored in the movable property information database 35, the collateral evaluation history for each company (farm B) is displayed.
Thereby, it is possible to confirm the history of the collateral evaluation value of the selected company from the terminal 21 of the financial institution 20.
In addition, the collateral history confirmation screen 660 displays a selection button 661 for returning to the main menu, a selection button 661 for logging out, a selection button 661 for setting a display period, a selection button 661 for totaling by period, and the like.

When the display period setting selection button 661 is selected by the terminal 21, the control unit 201 of the movable property management center server 30 presents a screen for setting a period to be displayed on the collateral history confirmation screen 660 to the terminal 21, When the display period is set by the terminal 21, the collateral evaluation amount for the display period set based on the history data of the collateral information stored in the movable property information database 35 is presented to the terminal 21.
The terminal 21 of the financial institution 20 displays the collateral history information for the selected display period sent from the movable property management center server 30 (step 608), and ends the process.

When the period-by-period totaling selection button 661 is selected by the terminal 21, the control unit 201 of the movable property management center server 30 creates a graph or the like based on the collateral information history data stored in the movable property information database 35. For example, a period-by-period tabulation confirmation screen 670 as shown in FIG.
When the terminal 21 displays the period-by-period aggregation confirmation screen 670 (step 608), the financial institution 20 can confirm the collateral information of the corresponding company in the form of a graph or the like.

In addition to the main menu, logout, and display period setting selection buttons 671, the period totaling confirmation screen 670 may be provided with selection buttons 671 such as annual, weekly, list, and the like.
By selecting these selection buttons 671 from the terminal 21, the control unit 201 of the movable property management center server 30 processes the display method into annual, weekly, and list tables and presents them to the terminal 21.

  As described above, the collateral information management means 33 for the financial institution calculates and presents the evaluation value of the personal property collateral from the individual breeding management information database 351 and the evaluation price database 357 stored in the personal property information database 35. From the terminal 21 of the financial institution 20 connected to the movable property management center server 30 via the network 40, it becomes possible to confirm the property collateral evaluation of the designated loan company.

In addition, in the collateral information management means 33 for financial institutions, registration of customer information of the financial institutions 20, setting of criteria for displaying warnings in the warning display field 623 shown in the main menu 620 in FIG. There is a setting processing function for setting the date of evaluation evaluation.
FIG. 18 is an explanatory diagram of this setting process.

FIG. 18A is a flowchart showing the flow of the setting process.
First, when the property management center server 30 is accessed from the terminal 21 of the financial institution 20 (step 801), the control unit 201 of the property management center server 30 activates the collateral information management means 33 for the financial institution, and FIG. The login menu 610 shown in a) is presented.
When a user name and password are entered in the login menu 610 displayed on the terminal 21 and logged in (step 802), the control unit 201 of the movable property management center server 30 authenticates the login and presents the main menu 620 to the terminal 21. (Step 852).

  When the “setting” selection button 621 is selected in the main menu 620 displayed on the terminal 21, the control unit 201 of the movable property management center server 30 presents a setting menu 810 for selecting setting contents to the terminal 21. (Step 853).

FIG. 18B shows a menu screen example of the setting menu 810.
Menu buttons 621 such as “customer information registration”, “warning reference amount setting”, “counting date setting”, “standard price setting”, “graph display setting”, “evaluation method setting” are provided.

“Customer information registration” is, for example, a selection menu for registering customer companies such as the farm 10 on which the financial institution 20 provides movable collateral financing, collateral setting information, and the like.
“Warning reference amount setting” sets, for example, the reference amount of the collateral evaluation amount when displaying a warning in the warning display field 623 of the main menu 20.
The “aggregation date setting” is, for example, the aggregation date when the collateral information management means 33 for financial institutions automatically calculates the evaluation amount based on the data of the individual breeding history information database 351 and the evaluation price database 357 of the movable property information database 35. Set.
In “standard price setting”, for example, a standard price such as a new brand is set in the standard price database 357 shown in FIG.
“Graph display setting” and “evaluation method setting” are settings for adjusting the collateral evaluation amount graph display method and the collateral evaluation method by the financial institution 20.

  When any of the above menu buttons 621 is selected in the setting menu 810 displayed on the terminal 21 (step 804), the control unit 201 of the movable property management center server 30 performs the selected setting process. A screen or the like is presented on the terminal 21 and the setting process is executed (step 854).

  The above-mentioned movable property collateralized loan support system 1 enables companies such as farms 10 to receive loans to easily carry out daily information management of individual movable property such as livestock products by means of the movable property information management means 31 for farms. Become. Further, the financial institution 20 that provides the loan is based on the individual breeding history information database 351 that is the daily management information of the movable property accumulated by the movable property information management unit 31 for the farm by the collateral information management unit 33 for the financial institution. It becomes possible to easily check the current state evaluation amount of the mortgage collateral, the past evaluation history, and the like.

  Furthermore, the farm property information management means 31, the security information management means 33 for the financial institution, and the property information database 35 are managed by the server 30 of the third-party property management center. 20 is provided with processing contents and processing results via a network such as the Internet to each terminal 15 and 21 by an ASP service contract with the movable property management center. There are advantages that the cost is low and maintenance is not required.

  The present invention is not limited to the embodiment described above, and various modifications are possible, and these are also included in the technical scope of the present invention.

The figure which shows the structure of the personal property secured loan support system of this Embodiment Hardware configuration diagram of server 30 and terminals 15, 17, 21 The figure which shows the functional composition of the personal property collateral loan support system Diagram explaining movable property information Diagram explaining breeding plan Flow chart showing the flow of processing of the movable property information management means 31 for farms (arrival / birth information processing) Flow chart showing processing flow of farm property information management means 31 (feeding / medicine / transfer information processing) Explanatory drawing of the input / birth information input screen and movable property information database 35 Illustration of feeding / medicine / change information input screen and movable information database 35 Explanatory drawing of feed DB353 and pharmaceutical DB355 of the movable property information database 35 The flowchart which shows the flow of a process of the collateral information management means 33 for financial institutions Illustration of collateral information management processing screen Illustration of the current collateral evaluation process Explanatory drawing of evaluation price DB357 of movable property information database 35 Illustration of current collateral evaluation confirmation screen Illustration of collateral history confirmation screen Explanatory drawing of the screen for confirming the aggregation of movable property collateral Explanatory drawing of the setting process of the collateral information management means 33 for financial institutions

Explanation of symbols

1 ……… Mobility-backed loan support system 10 ……… Farm 15, 21 ……… Terminal 17 ……… Mobile terminal with IC tag reader / writer 101 ……… Cow 102 ……… Pig 131, 132 ……… IC tag 20 ......... Financial institution 30 ......... Mobility management center server 31 ......... Mobility information management means for farms 33 ......... Security information management means for financial institutions 35 ......... Mobility information database

Claims (11)

A movable collateral lending support system that supports movable collateral lending in which a financial institution lends collateral with movable property,
Movable information management support means for supporting the management information input of the movable property;
Movable property information storage means for storing the movable property management information input by the movable property information management support means;
Movable collateral evaluation support means for supporting evaluation of the collateral value of the movable property,
The movable property information management means transmits an input screen of the movable property management information to the movable property owner's terminal in response to a request from the movable property owner's terminal connected by a communication line, and is input from the movable property owner's terminal. The movable property management information is received and stored in the movable property information storage means,
The property collateral evaluation support means obtains an evaluation value of the property collateral from the property management information stored in the property information storage means in response to a request from the terminal of the financial institution connected by a communication line, and A personal property secured loan support system, which is presented on the terminal of an institution.   The personal property secured loan support system according to claim 1, wherein each personal property is attached with an information storage identifier, and the personal information is identified and managed by reading the information storage identifier with a terminal having a reading function. .   3. The personal property secured loan support system according to claim 1, wherein the information storage identifier is an IC tag or a barcode.   A movable property management plan is set in advance for the movable property, and the movable property collateral evaluation means calculates the evaluation value of the movable property collateral in consideration of the state of compliance with the movable property management information of the movable property and the movable property management plan. The personal property secured loan support system according to any one of claims 1 to 3.   The movable property collateralized loan support system according to any one of claims 1 to 4, wherein the movable property is a livestock product.   The movable property management plan is a plan for the kind and switching time of feed to be given to the livestock product during the period from the start of management to shipment, and the name of the medicine to be administered and the time of medication, and is set for each livestock product. The movable collateralized loan support system according to any one of claims 1 to 5, wherein   The said movable property management information consists of an identifier of the said livestock product, the said movable property management plan, a feeding history, and a medication history, The movable property guarantee financing support system in any one of Claim 1 thru | or 6 characterized by the above-mentioned. .   The movable collateral valuation support means sets in advance a collateral evaluation price of the livestock product when the movable property management plan is satisfied, and the individual livestock product stored in the movable property management information storage means When the movable property management information satisfies the movable property management plan, the estimated value of the movable property is calculated based on the collateral evaluation price. When the movable property management information does not satisfy the movable property management plan, the movable property management information is calculated at an evaluation price lower than the collateral evaluation price. The personal property loan support system according to any one of claims 1 to 7, wherein the evaluation amount is calculated.   The said animal product is identified by reading the said IC tag with which each was mounted | worn with the said terminal with a reading function, The personal property financing assistance system in any one of Claim 1 thru | or 8 characterized by the above-mentioned. A server that supports movable collateral financing in which a financial institution finances the movable property,
Connected to the terminal of the owner of the movable property and the terminal of the financial institution via a network;
According to a request from the terminal of the owner of the movable property, movable information management support means for supporting the management information input of the movable property;
Movable property information storage means for storing the movable property management information input by the movable property information management support means;
Movable collateral evaluation support means for supporting evaluation of the collateral value of the movable property,
The movable property information management means transmits the movable property management information input screen to the movable property owner's terminal in response to a request from the movable property owner's terminal, and the movable property management information input from the movable property owner's terminal Is stored in the movable property information storage means,
The property collateral evaluation support means obtains an evaluation value of the property collateral from the property management information stored in the property information storage means and presents it to the terminal of the financial institution in response to a request from the terminal of the financial institution. A server characterized by that.   A program for causing a computer to function as the server of claim 10.

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