JP2013200622A - Business flow chart creation display system and method for the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a business flow chart creation display system and a method for the same with which determination processes including a determination process in a money lending activity by a bank can be facilitated.SOLUTION: A business flow capture system 200 included in a business flow chart creation display system receives data on multiple payments made and received related to transfers from, for example, a company A from an account-related system 100, calculates the amount and the number of transfers from the company A for each transaction destination for a specified time period according to the multiple payments data, displays a client icon 1 indicating the client A and multiple transaction destination icons 2 indicating the respective transaction destinations to which a transfer(s) from the company A has been made during the specified time period on a display device 320 of the terminal 300 of a person in charge, and then displays an arrow between the client icon 1 and each of the transaction destination icons 2 having a thickness and a length according to the result of the calculation.

Description

  The present invention relates to a method for creating and displaying a commercial flow chart relating to a company that has business with a bank.

  Conventionally, when a bank makes a loan to a company, the suitability of the loan to the company, and the suitability of its amount and timing are determined. Further, when determining the suitability, the performance of the company and the transaction results at the bank are taken into consideration. In addition, for the specific judgment of the suitability, please refer to the company data accumulated by the bank as the company's business performance and actual trading results, the company data provided by research institutions such as Teikoku Databank (registered trademark), etc. However, it is often performed by each person in charge at the bank and its approver.

  Here, the company data provided by the research institution includes statistical data on the industry and market to which the company belongs, statistical data representing the company outline, and specific survey results of management contents. Statistical data on the market and statistical data of the company outline are often based mainly on the data released by the company, and this kind of data is regularly published by companies several times a year. . For this reason, the statistical data on the market and the statistical data of the company outline are useful for grasping the outline of the company, but cannot be said to be real-time data that clearly shows the current actual situation of the company.

  On the other hand, specific survey results of management contents are prepared by making a specific request to a research organization. At that time, the survey organization surveys the target company and summarizes the results. is there. It is also possible to change the survey contents according to the purpose. If such survey results are converted into data, it can be a material that can accurately grasp the current status of the target company to some extent. However, it is not realistic for a bank to make a request for a survey every time when a bank considers financing of a company, and in fact, it is difficult to obtain data that represents the real-time situation of a company.

  The inventor has not been able to find prior art documents directly related to the above problems at present, but for a database that collects and collects information on financial assets that are distributed and held by a plurality of financial institutions, There exists description in patent document 1 grade | etc.,.

JP 2004-133879 A

  However, simply collecting information on individuals and companies as in the technique of Patent Document 1 is difficult to use as a material for determining funding to companies. Further, if various types of data are collected as in Patent Document 1, it is difficult to make a judgment on the side of judging the data, and variation among persons who make the judgment becomes large.

  After all, each person in charge of the bank considering the decision of financing, etc., depending on the amount of the case, statistical data about the industry and market, statistical data showing the company overview, It collects the results of specific surveys conducted by research institutions, actual transactions of target companies at the bank, and makes a comprehensive judgment. When making this determination, the larger the amount of data, for example, the statistical data is prepared for a plurality of quarters every quarter, and the actual transaction data includes remittance data, deposit data, deposit and savings data, borrowing data, etc. Those who have been prepared for multiple years can make more accurate judgments.

  However, the greater the amount of data, the greater the burden on the person in charge of reviewing the judgment, and this is one of the reasons for the greater variation among the judges. In addition, when there is a large amount of data, there may be cases where the person in charge can grasp, but the approver cannot grasp the whole, and it may take a considerable amount of time for the approver to grasp the whole. .

  The present invention has been made to solve such a problem, and it is an object of the present invention to provide a commercial flow chart creation and display system and method that can facilitate the determination of funding and the like in a bank.

  In order to achieve the above object, according to a main aspect of the present invention, a display is provided that is communicably connected to a bank billing system, creates a commercial flow chart relating to the bank's customers, and displays the display A deposit / withdrawal data storage means for receiving a plurality of deposit / withdrawal data relating to the customer from the accounting system and storing them in a deposit / withdrawal data storage unit. The data includes at least a transaction date, data of the other party of the transaction, and a deposit / withdrawal amount. The deposit / withdrawal data storage means and the deposit / withdrawal data storage unit store the deposit / withdrawal data storage unit. Based on gold data, when the transaction is by transfer, transaction totaling means for totaling the transfer amount of the customer and the number of transfers for each predetermined period and for each customer, a customer icon indicating the customer, The icon display means for displaying on the display device a plurality of business partner icons each indicating each business partner that has received a transfer from the customer for a predetermined period, and the customer icon based on the totaled result of the business totaling means Display means for displaying a withdrawal arrow directed to each supplier icon on the display device, wherein the display means sets at least one of the morphological features of the withdrawal arrow according to the transfer amount. In accordance with the number of transfers, at least one other of the morphological features is set, and the morphological features include a thickness, a length, a color, a color intensity, and a pattern of the withdrawal arrow. , And the display means including the shape of the tip of the arrow.

  In addition, according to another main aspect of the present invention, the bank accounting system, the commercial flow grasping system communicatively connected to the accounting system, and the communicable flow grasping system are communicatively connected. A commercial flow chart creation and display method for creating a commercial flow chart relating to the bank's customers using a display device and displaying the commercial flow chart on the display device. A deposit / withdrawal data storage step of receiving a plurality of deposit / withdrawal data and storing in a deposit / withdrawal data storage unit, wherein the deposit / withdrawal data includes at least a transaction date, data of a counterparty of the transaction, and an amount of deposit / withdrawal If the transaction is a transfer based on the deposit / withdrawal data storage step and the deposit / withdrawal data storage unit stored in the deposit / withdrawal data storage unit, the transfer amount of the customer A transaction totaling step for counting the number of payments for each predetermined period and for each business partner, a customer icon indicating the customer, and a plurality of business partner icons indicating each business partner who received a transfer from the customer during the predetermined period. And an icon display step for displaying on the display device, and a display step for causing the display device to display a withdrawal arrow from the customer icon to each of the business partner icons based on the total result of the transaction total step. The process sets at least one of the morphological features of the withdrawal arrow according to the transfer amount, and sets at least another one of the morphological features according to the number of transfers, The morphological features include the thickness of the withdrawal arrow, the length, the color, the color intensity, the pattern, and the shape of the arrow tip, and the display step is performed. That commercial distribution map creation display method is provided.

  As described above, in the present invention, the commercial flow chart creation / display system receives a plurality of deposit / withdrawal data relating to a customer of, for example, a specific company from the accounting system, and transfers the customer based on the plurality of deposit / withdrawal data. Aggregate the amount and the number of transfers for each predetermined period and for each business partner, a customer icon representing a customer as the specific company, and a plurality of business partner icons representing each business partner who received a transfer from the customer during the predetermined period Are displayed on the display device, and an arrow from the customer icon to each supplier icon is displayed on the display device based on the result of the aggregation. Further, the displayed arrow has at least one of the morphological features of the arrow including the thickness, length, color, color density, pattern, and arrow tip shape (for example, thickness) of the arrow, It is set according to the transfer amount of the tabulation result, and at least another (for example, length) is set according to the number of transfer of the tabulation result.

  For this reason, in the bank, when there is a person in charge of examining the loan to the specific company, the person in charge depends on the customer icon, each supplier icon displayed on the display device, and the transfer amount and the number of transfers. By looking at the arrows, it is possible to efficiently grasp what customer company the target company has and what amount and number of transfers are made to each customer. Here, since the business partner with whom the loan target company is doing business and the transaction amount are one of the points for judging the circulation amount and the soundness of the circulation of the company, It is extremely important information. In addition, when the number of transactions is combined with the business partner and transaction amount of the target company, it is possible to infer what kind of transaction is being performed between the target company and the business partner. It becomes. For example, if the company purchases materials from multiple vendors, manufactures and sells products using the purchased materials, and if the material needs to be ordered many times a month, indicate the supplier Since the arrow to each supplier icon becomes longer, it is only possible to see what kind of transaction is performed between the target company and the supplier simply by looking at the length of the arrow toward the supplier icon displayed on the display device. It is possible to guess whether or not In addition, since the state of transactions between the loan target company and its business partners is one of the points to judge the soundness of the company's funds distribution, it is extremely important information for considering the loan. It is.

  Also, not only the person in charge of examining the loan, but also the approver, by looking at the customer icon displayed on the display device, each supplier icon, and the arrow according to the transfer amount and the number of transfers As with the person in charge, it is possible to efficiently grasp the amount of funds distributed and the soundness of distribution of the company to be financed. In this way, by making it possible to efficiently grasp the amount of funds distributed and the soundness of the distribution, the person in charge and the approver have other information about the target company, such as the industry and market to which the target company belongs. More time can be spent on studying statistical data on the project, statistical data representing the company profile, etc., and it becomes possible to examine loans and other matters quickly and more accurately.

  Moreover, according to the embodiment of the present invention, the transaction counting means transfers the customer to the customer when the transaction is based on the deposit / withdrawal data stored in the deposit / withdrawal data storage unit. The amount of money to be transferred and the number of cases to be transferred are totaled for each predetermined period and for each business partner, and the icon display means is the business partner who has made a transfer to the customer during the predetermined period Are displayed on the display device, and the display means displays a deposit arrow heading from each of the supplier icons to the customer icon based on the counting result of the transaction counting means, Further, at least one of the morphological features of the deposit arrow is set according to the amount of money to be transferred, and the morphological features of the deposit arrow according to the number of deposits. At least one of them is set, and the morphological features of the deposit arrow include the thickness, length, color, color strength, pattern, and arrow tip shape of the deposit arrow. A commercial flow chart creating and displaying system is provided.

  According to another embodiment of the present invention, each of the deposit / withdrawal data includes information on whether or not the transaction is a bill transaction, and the transaction tabulation means divides the tabulation into a bill transaction and a non-bill transaction. The withdrawal arrow displayed on the display means is divided into a bill transaction withdrawal arrow according to the amount and number of bill transactions and a non-bill transaction withdrawal according to the amount and number of non-bills transactions. The deposit arrow displayed on the display means includes a bill transaction arrow according to the amount and number of bill transactions, and a non-bill deposit arrow according to the amount and number of non-bills transactions. A commercial flow chart creating and displaying system is provided.

  According to still another embodiment of the present invention, the bill transaction withdrawal arrow is displayed so as to be identifiable with respect to the non-bill transaction withdrawal arrow, and the bill transaction deposit arrow is changed to the non-bill transaction deposit arrow. A commercial flow chart creating and displaying system is provided that is displayed in a distinguishable manner.

  According to still another embodiment of the present invention, the morphological feature of the withdrawal arrow and the deposit arrow set according to the deposit / withdrawal amount on the display means is a thickness, A commercial flow chart creation and display system is provided in which the morphological feature of the withdrawal arrow and the deposit arrow set according to the number of withdrawals is a length.

  According to still another embodiment of the present invention, the morphological feature of the withdrawal arrow and the deposit arrow set according to the deposit / withdrawal amount on the display means is a thickness, and the transaction In the counting means, the amount of money transferred from the customer to each of the customers in the first predetermined period among the periods in which the counting has been performed and the second predetermined period before the first predetermined period. A withdrawal arrow thickness setting process for setting a thickness on the front end side and a thickness on the rear end side of each withdrawal arrow according to the transfer amount of each customer from the customer, and the first predetermined period Depending on the amount transferred from each customer to the customer and the amount transferred from each customer to the customer in the second predetermined period, the leading edge thickness and trailing edge thickness of each deposit arrow And a deposit arrow thickness setting process for setting the thickness. That commercial distribution map creation display system is provided.

  According to still another embodiment of the present invention, the withdrawal arrow and the morphological feature of the deposit arrow set according to the deposit / withdrawal amount on the display means are color or color intensity. Yes, in the transaction counting means, the transfer amount from the customer to each of the customers in the first predetermined period out of the periods in which the counting is performed, and the second before the first predetermined period In accordance with the ratio between the customer and the transfer amount of each customer in a predetermined period of time, the color or color density at the front end and the color or color density at the rear end of each withdrawal arrow are set. The ratio between the gold arrow color setting process, the amount transferred from each customer to the customer in the first predetermined period, and the amount transferred from each customer to the customer in the second predetermined period Depending on the color or darkness of the tip side of each deposit arrow and the back end side Commercial distribution diagram creation display system and performs a payment arrow color setting process for setting a color or color intensity is provided.

  According to still another embodiment of the present invention, this system stores numerical values related to a company when each of the suppliers is a company, and the numerical value related to the company includes the company Sales amount, profit amount, number of employees, amount of capital, rating data, deposit amount in the bank, and transaction amount in the bank, and the icon display means is the business flow grasping system. The display form of each supplier icon is set in accordance with the numerical value relating to the company stored in the display, and the display form includes the size, color, and darkness of each supplier icon. A commercial flow chart creation and display system is provided that includes a pattern and a shape.

  According to the present invention, when a bank considers a loan to a specific company, for example, the customer icon displayed on the display device, each supplier icon, and an arrow corresponding to the transfer amount and the number of transfers are viewed. This makes it possible to efficiently understand what suppliers the target company has, and what amount and number of transfers are made to each supplier in what form. As a result, it is possible to accurately and promptly grasp the distribution amount of funds and the soundness of distribution of a loan-targeted company, so that it is possible to facilitate the determination of fund financing and the like in a bank.

  Still other features and remarkable effects of the present invention will be understood by those skilled in the art by referring to the embodiments and drawings described in the Best Mode for Carrying Out the Invention below.

The figure which shows schematic structure of the commercial flow chart preparation display system which concerns on 1st Embodiment of this invention. The figure which shows schematic structure of a commercial flow grasping system Diagram showing an example of customer master The figure which shows the example of processing of the accounting system, the business flow grasping system and the person in charge terminal Figure showing an example of withdrawal data Figure showing an example of deposit data The figure which shows the example of the customer information table Figure showing an example of the setting screen Figure showing an example of aggregate data Example of commercial flow diagram displayed on display device The figure which shows the example of the arrow setting table The figure which shows the example of processing of the accounting system, the business flow grasping system and the person in charge terminal Figure showing an example of the setting screen Example of commercial flow diagram displayed on display device Example of commercial flow diagram displayed on display device Example of commercial flow diagram displayed on display device

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

  FIG. 1 is a diagram showing a schematic configuration of a commercial flow chart creation / display system according to an embodiment of the present invention. This commercial flow chart creation and display system is installed in a bank a as an example, and an accounting system 100 that manages deposit / withdrawal processing in the bank a, and a commercial flow grasp that is communicably connected to the accounting system 100 It has a system 200, a person-in-charge terminal 300 connected to the commercial flow grasping system 200, and an administrator terminal 400 connected to the commercial flow grasping system 200.

  The account system 100 may be anything that is normally provided in a bank. For example, a customer master storage unit 110 that stores a customer master 111, an account data storage unit 120 that manages account data of each customer, The communication unit 130 is for communicating with a commercial flow grasping system and has a connector and a protocol stack, and a transmission / reception processing unit 140 that performs data reception processing and data transmission processing for various external devices and systems. As shown in FIG. 3, the customer master 111 stores customer information (name, address, telephone number, etc.) in association with a branch code, an account number, or the like.

  As shown in FIG. 2, the commercial flow grasping system 200 is for communicating with the CPU 210, the RAM 220, the billing system 100, a communication unit 230 having a connector and a protocol stack, and the billing system 100. A customer data storage unit 240 for storing customer data to be received, a deposit / withdrawal data storage unit 250 for storing deposit / withdrawal data relating to customers received from the accounting system 100, an aggregate data storage unit 260, and an arrow display rule store Section 270 and a program storage section 280 for storing various programs.

  The commercial flow grasping system 200 also causes the program storage unit 280 to perform a predetermined operation on the computer, a customer data storage processing unit 281, a deposit / withdrawal data storage processing unit 282, a transaction totaling processing unit 283, and an icon display. A processing unit 284 and an arrow display processing unit 285. These functions will be described below along with an example of processing (see FIG. 4) performed by the accounting system 100, the commercial flow grasping system 200, and the person-in-charge terminal 300.

  The person-in-charge terminal 300 and the administrator terminal 400 have a normal configuration as a computer such as a CPU, a RAM, a storage device, and an input device, and communicate with other computers and systems. Communication units 310 and 410 having communication protocol stacks and display devices 320 and 420 are provided.

  The commercial flow grasping system 200 according to the present embodiment downloads data from the customer master storage unit 210 and the account data storage unit 220 of the account system regularly (for example, every other month), and the customer data storage unit 240 and the deposit / withdrawal data. Store in the storage unit 250. For example, as shown in FIG. 4, the deposit / withdrawal data storage processing unit 282 periodically operates the commercial flow grasping system 200, and the commercial flow grasping system 200 causes the billing system 100 to deposit / withdraw a predetermined customer or all customers. Request transmission of data for a predetermined period (for example, one month) (step S1).

  In response to this request, the accounting system 100 transmits the deposit / withdrawal data in the account data storage unit 120 corresponding to the request of the commercial flow grasping system 200 to the commercial flow grasping system 200 by the transmission / reception processing unit 140 (step S2). For example, the withdrawal data for company A for one month is as shown in FIG. 5, and the deposit data is as shown in FIG. As shown in FIGS. 5 and 6, the deposit / withdrawal data includes the transaction date (payment date, withdrawal date), data of the other party of the transaction (account number, etc.) and the deposit / withdrawal amount. Information whether it is due to or due to bill transactions. In the commercial flow grasping system 200, the deposit / withdrawal data storage processing unit 282 stores the received deposit / withdrawal data in the deposit / withdrawal data storage unit 250 (step S3).

  Further, the customer data storage processing unit 281 operates the commercial flow grasping system 200, collects data related to customers and business partners in the deposit / withdrawal data storage unit 250, and stores it in the customer data storage unit 240. Store. For example, the account system 100 is inquired of the account system 100 using the account information (for example, account number) related to the customer and the customer in the deposit / withdrawal data (step S4), and the account system 100 uses the received account information. The corresponding information is searched in the customer master storage unit 110 and the account data storage unit 120, and the searched information (for example, customer name, customer address, deposit amount, borrowing amount, etc.) is transmitted to the commercial flow grasping system 200. (Step S5). In the commercial flow grasping system 200, the customer data storage processing unit 281 stores the received information in the customer data storage unit 250 (step S6).

  Further, the commercial flow grasping system 200 creates a customer information table as shown in FIG. 7 based on the received customer information (step S7). Further, the commercial flow grasping system 200 may store company data provided by each company or a research organization such as Teikoku Databank, and may be configured to receive the company data from the outside. In these cases, the company data (capital amount, etc.) can be added to the customer information table (see FIG. 7).

  Subsequently, as an example, the account system 100, the commercial flow grasping system 200, and the person in charge terminal 300 when the person in charge of examining the loan to the company in the bank a causes the person in charge terminal 300 to display the commercial flow chart regarding the company A. The process will be described.

  First, the person in charge operates the person-in-charge terminal 300 to display on the display device 320 a setting screen (see FIG. 8) for setting the creation of a commercial flow diagram. This setting screen may be displayed by a program stored in the person-in-charge terminal 300, or may be displayed by the commercial flow grasping system 200. On this setting screen, the person in charge sets the account number of the company that creates the merchandise flow chart, whether there is an arrow for bank transfer or bill transaction, the display depth, number, period, etc. of the supplier icon. When the “Create Flow Chart” button is operated, a request for creating a commercial flow chart is transmitted from the person-in-charge terminal 300 to the commercial flow grasping system 200 (step S8).

  When the commercial flow grasping system 200 receives the request for creating the commercial flow chart, the transaction totalization processing unit 283 operates the commercial flow grasping system 200 and inputs the predetermined period (for example, March 1, 2012 to 2012 3). For the period of the month 31), the deposit / withdrawal data stored in the deposit / withdrawal data storage unit 240 in step S3 is used as the transaction partner (the transaction partner withdrawn from the account of the company A during the predetermined period) The data is aggregated for each business partner who has made a deposit to the account of company A during the period, and the aggregated data is stored in the aggregate data storage unit 260 (step S9). That is, the commercial flow grasping system 200 is configured to tabulate the deposit / withdrawal data stored in the deposit / withdrawal data storage unit 250 for each of the inputted predetermined period and for each of the business partners. For example, as shown in FIG. 9, the aggregated data represents the total transaction amount (transfer amount) and the number of transactions (transfer number) for each bank transfer. At this time, based on the data in the customer data storage unit 240, the aggregated data may include the address of the transfer destination company or individual. Similarly, as shown in FIG. 9, the total transaction amount (transfer amount) and the number of transactions (number of transfers) are counted for each bank transfer for bank transfer, and the total transaction amount and the number of transactions for each partner for bill payment transactions. The total amount of transactions and the number of transactions are tabulated for each payer (customer) for bill withdrawal transactions.

  In the above description, a predetermined period for aggregation is set on the setting screen. However, aggregation for each customer is automatically performed every predetermined period (for example, every month), and the aggregation data is stored in the aggregation data storage unit 260. It can also be configured to be stored automatically.

  Subsequently, the icon display processing unit 284 operates the commercial flow grasping system 200. For example, as shown in FIG. 10, the customer icon 1 indicating the company A and the payment from the company A to the company A in the aggregation in the step S9. Is displayed on the display device 320 of the person-in-charge terminal 300 (step S10). The display method of the customer icon 1 and the business partner icon 2 can be variously changed. In this embodiment, the number of supplier icons to be displayed is based on the number of displayed icons and the depth of icon display input on the setting screen. In addition, the data of the customer icon 1 and each of the business partner icons 2 are transmitted from the commercial flow grasping system 200 to the person in charge terminal 300, and the person in charge terminal 200 uses the customer icon 1 and each of the business partner icons 2 based on the received data. It is also possible to configure to display.

  Here, in this embodiment, the size of the customer icon 1 and each supplier icon 2 is set according to the information in FIG. For example, the size of each icon in FIG. 10 is set according to the transaction amount at bank a in FIG. Similarly, the display form of the customer icon 1 and each business partner icon 2 is changed according to the sales amount, profit amount, number of employees, amount of capital, rating data, or deposit amount at the bank. The display form includes icon size, color, color intensity, pattern, and shape.

  Subsequently, the arrow display processing unit 285 operates the commercial flow grasping system 200 to specify specifications of a withdrawal arrow from the customer icon 1 to each customer icon 2 and a deposit arrow from each customer icon 2 to the customer icon 1. Set (step S11). For example, an arrow setting table as shown in FIG. 11 can be used. The arrow setting table is stored in the arrow display rule storage unit 270. The arrow setting table stores arrow thickness data corresponding to the transaction amount, and stores arrow length data corresponding to the number of transactions. By applying the totaled result to the arrow setting table, the thickness and length of the arrow can be set for each business partner. Similarly, it is possible to change the morphological characteristics of the arrow according to the transaction amount and the number of transactions, and the morphological characteristics include the thickness, length, color, darkness, pattern, and arrow of the arrow. The tip shape is included.

  Subsequently, the arrow display processing unit 285 operates the commercial flow grasping system 200 to display each arrow set in step S11 on the display device 320 of the person-in-charge terminal 300 as shown in FIG. 10 (step S12). In the present embodiment, the non-bill transaction withdrawal arrow 3 and the non-bill transaction deposit arrow 4 that indicate withdrawal and deposit by bank transfer are displayed in white, and the bill transaction withdrawal arrow 5 that indicates withdrawal and deposit by bill transaction. The bill transaction deposit arrow 6 is shaded. Note that the arrow specification data may be transmitted from the commercial flow grasping system 200 to the person-in-charge terminal 300, and the person-in-charge terminal 200 may display each arrow based on the received data.

  In the above, in the setting screen, the depth of display of the icon on the withdrawal side is set to 1, and the depth of display of the icon on the deposit side is set to 1, but either one or both can be set to 2 or more. Any one of them can be set to zero. For example, when the depth of display of the withdrawal side icon is set to 2, the business partner icon 2 of the company or individual that has transactions with the person B, the company C, and the company D in FIG. 10 is also displayed. By configuring the setting screen so that more detailed settings can be made, the number of business partner icons 2 for the individual B, the company C, and the company D can be changed.

  In this case, in the step S9, the aggregation is also performed for the individual B, the company C, and the company D. In the step S10, the supplier icon 2 for the individual B, the company C, and the company D is also displayed, and in the step S11. Each arrow is set, and each arrow related to the person B, the company C, and the company D is also displayed in the step S12.

  As described above, in this embodiment, the commercial flow grasping system 200 receives a plurality of deposit / withdrawal data related to, for example, the company A from the accounting system 100, and the transaction amount and the number of transactions of the company A are determined based on the plurality of deposit / withdrawal data. Displayed on the person-in-charge terminal 300 for each predetermined period and for each business partner, showing a customer icon 1 representing the customer A and a plurality of business partner icons 2 representing each business partner who had transactions with the company A during the predetermined period. Further, an arrow from the customer icon 1 to each supplier icon 2 is displayed on the display device 320 based on the result of the aggregation. In addition, at least one of the morphological characteristics of the arrow (thickness in the above) is set by the transaction amount of the tabulated result, and at least one other (length in the above) is the arrow to be displayed. It is set according to the number of transactions in the counting result. Here, in the present embodiment, the morphological features include, as an example, the thickness, length, color, color density, pattern, and arrow tip shape of the arrow, but other arrow morphological features. Features can also be included.

  For this reason, in the bank a, when the person in charge of financing considers the loan to the company A, the person in charge of the customer displays the customer icon 1 displayed on the display device 320, each supplier icon 2, and the transaction amount and transaction. By looking at the arrows according to the number of cases, it is possible to efficiently grasp what kind of customer company A the target company A has and what amount of money and number of cases it deals with each customer. be able to. Here, since the business partner with whom the loan target company is doing business and the transaction amount are one of the points for judging the circulation amount and the soundness of the circulation of the company, It is extremely important information. In addition, when the number of transactions is combined with the business partners and the transaction amount of the loan target company, it is possible to make a guess about what kind of transaction is being carried out between the target company and the business partner. It becomes possible. For example, if the company purchases materials from multiple vendors, manufactures and sells products using the purchased materials, and if the material needs to be ordered many times a month, indicate the supplier Since the arrow to each business partner icon becomes long, just looking at the length of the arrow toward the business partner icon 2 displayed on the display device 320, what kind of transaction is made between the target company and the business partner. It is possible to make a guess about what is being done. In addition, since the state of transactions between the loan target company and its business partners is one of the points to judge the soundness of the company's funds distribution, it is extremely important information for considering the loan. It is.

  Further, not only the person in charge of examining the loan and the like, but also the approver thereof, the same information as that of the person in charge terminal 300 is displayed on the display device 420 of the administrator terminal 400. By looking at the icon 2 and the arrow corresponding to the transaction amount and the number of transactions, it is possible to efficiently grasp the circulation amount and the soundness of the distribution of the company to be financed as with the person in charge. In this way, by making it possible to efficiently grasp the amount of funds distributed and the soundness of the distribution, the person in charge and the approver have other information about the target company, such as the industry and market to which the target company belongs. More time can be spent on studying statistical data on the project, statistical data representing the company profile, etc., and it becomes possible to examine loans and other matters quickly and more accurately.

  According to the above, when a loan officer in the bank a examines a loan for the company A, for example, the customer icon 1 displayed on the display device 320, each supplier icon 2, and further according to the transaction amount and the number of transactions By looking at the arrow, it is possible to efficiently grasp what kind of business partner the loan target company A has and what amount and number of transactions are being made with respect to each business partner. For this reason, it is possible to accurately and promptly grasp the distribution amount of funds and soundness of distribution of the loan target company, and to facilitate the determination of the financing of the bank a.

  Further, in the present embodiment, the commercial flow grasping system 200 receives a plurality of deposit / withdrawal data relating to, for example, the company A from the account system 100, and the transaction amount and the number of transactions to the company A are determined based on the plurality of deposit / withdrawal data. The person-in-charge terminal 300 displays a customer icon 1 representing the customer A and a plurality of customer icons 2 representing each customer who has withdrawn to the company A during the predetermined period. Display on the display device 320, and further, on the display device 320, an arrow from each supplier icon 2 to the customer icon 1 is displayed based on the result of the aggregation. In addition, the displayed arrow has at least one of the morphological characteristics of the arrow (thickness in the above) including the thickness, length, color, color depth, pattern, and arrow tip shape of the arrow. The transaction amount of the aggregation result is set, and at least one other (the length in the above) is set according to the number of transactions of the aggregation result.

  Therefore, in the bank a, the loan officer looks at the display device 320 to determine which business partners are conducting withdrawal transactions to the company A and what amount and number of transactions each business partner performs. Efficiently grasp what is going on. When the number of transactions is combined with the business partner and transaction amount of the loan target company, it is possible to make a guess about what kind of transaction is being performed between the target company and the business partner Become. For example, if the company is in a business format where multiple contractors receive membership fees, etc. once a month from multiple customers, set the number of deposit-side business partner icons to an appropriate number on the setting screen in FIG. When the period is set to a relatively long period such as one year, many business partner icons representing customers appear, and the non-bill transaction deposit arrows 4 from the respective business partner icons have the same length and thickness. Thus, just by looking at the length of the arrow from the business partner icon 2 displayed on the display device 320, it is possible to guess what kind of transaction is being performed between the target company and the business partner. It becomes possible.

  In the present embodiment, the deposit / withdrawal data stored in the deposit / withdrawal data storage unit 250 includes information on whether the transaction is a bill transfer or a bank transfer that is a non-bill transaction. In S9, the aggregation is performed separately for bill transactions and non-bill transactions. Further, in step S12, the non-bill transaction withdrawal arrow 3 and the bill transaction withdrawal arrow 5 are displayed as the withdrawal arrows, and the non-bill transaction deposit arrow 4 and the bill transaction withdrawal arrow 6 are displayed as the deposit arrows. For this reason, when the person in charge of financing considers financing for the company A, it is possible to efficiently grasp how much the bill transaction is used for depositing and withdrawing the company A.

  In this embodiment, the morphological feature of the arrow set according to the deposit / withdrawal amount is thickness, and the morphological feature of the arrow set according to the number of deposits / withdrawals is the length. In other words, the amount can be recognized as the volume (thickness) of the arrow, and the number of cases can be recognized as the length, which is extremely important in recognizing the transaction status of each company in the loan target company as an image. It is advantageous.

  In the present embodiment, the customer icon 1 and each business partner icon 2 are the sales amount, profit amount, number of employees, amount of capital, rating data, deposit amount at the bank, or the bank The display form is set in accordance with the transaction amount of the icon, and the display form includes the size, color, color depth, pattern, and shape of each icon. This makes it possible for the person in charge of the loan examination to efficiently grasp the scale and stability of the company that the loan target company is dealing with, and to understand the soundness of the loan target company. It can be said that this is a very advantageous configuration.

  Next, a second embodiment of the present invention will be described. In this embodiment, in the first embodiment, the thickness of the arrow to be displayed is changed according to the transition of the transaction amount. In the present embodiment, an accounting system 100, a commercial flow grasping system 200, a person-in-charge terminal 300, and an administrator terminal 400 that are equivalent to those in the first embodiment are used, and parts that are not described are configured and equivalent to those in the first embodiment. The method shall be applied.

  As shown in FIG. 12, also in the present embodiment, the commercial flow grasping system 200 is similar to the first embodiment in that the customer master storage unit 210 and the account data storage unit 220 of the account system are periodically (for example, every other month). The data is downloaded from and stored in the customer data storage unit 240 and the deposit / withdrawal data storage unit 250 (step S21). Further, the accounting system 100 transmits deposit / withdrawal data to the commercial flow grasping system 200 (step S22), and the commercial flow grasping system 200 stores the received deposit / withdrawal data in the deposit / withdrawal data storage unit 250 (step S23).

  Similarly to the first embodiment, the commercial flow grasping system 200 inquires of the account system 100 about data relating to customers and business partners (step S24), and the billing system 100 sends the searched information to the commercial flow grasping system 200. The commercial flow grasping system 200 stores the received information in the customer data storage unit 250 (step S26). Further, the commercial flow grasping system 200 creates a customer information table (step S7).

  Subsequently, for example, processing of the account system 100, the commercial flow grasping system 200, and the person in charge terminal 300 when a person in charge of examining loans in the bank a displays a commercial flow chart related to the company A will be described.

  First, the person in charge operates the person-in-charge terminal 300 to display on the display device 320 a setting screen (see FIG. 13) for setting the creation of a commercial flow diagram. On this setting screen, the person in charge sets the account number of the company that creates the merchandise flow chart, whether there is an arrow for bank transfer or bill transaction, the display depth, number, period, etc. of the supplier icon. When the “Create Flowchart” button is operated, a commercial flow chart creation request is transmitted from the person-in-charge terminal 300 to the commercial flow grasping system 200 (step S28). In this embodiment, unlike the case of the first embodiment, the first period and the second period are set.

  When the commercial flow grasping system 200 receives the request for creating the commercial flow chart, the transaction tabulation processing unit 283 operates the commercial flow grasping system 200, and the step is performed for each of the input first period and second period. The deposit / withdrawal data stored in the deposit / withdrawal data storage unit 240 in S3 is aggregated for each business partner, and the aggregated data is stored in the aggregated data storage unit 260 (step S29).

  Subsequently, the icon display processing unit 284 operates the commercial flow grasping system 200, and, for example, as shown in FIG. 14, the payment from the company A and the withdrawal to the company A are performed during the first period and the second period. The business partner icon 2 indicating the business partner who was present is displayed on the display device 320 of the person-in-charge terminal 300 (step S30).

  Subsequently, the arrow display processing unit 285 operates the commercial flow grasping system 200 to specify specifications of a withdrawal arrow from the customer icon 1 to each customer icon 2 and a deposit arrow from each customer icon 2 to the customer icon 1. Set (step S21). For this, for example, the same arrow setting table as shown in FIG. 11 as in the first embodiment can be used. In the first embodiment, the thickness of the entire arrow is set based on the arrow setting table. However, in the present embodiment, each non-bill transaction arrow 3, 4 and each bill transaction arrow according to the transaction amount of the first period. The thickness of the rear end side of 5 and 6 is set, and the thickness of the front end side of each of the non-hand-drawn trade arrows 3 and 4 and the respective hand-drawn trade arrows 5 and 6 is set according to the transaction amount in the first period.

  Subsequently, the arrow display processing unit 285 operates the commercial flow grasping system 200 to display each arrow set in step S11 on the display device 320 of the person-in-charge terminal 300 as shown in FIG. 14 (step S32).

  Thus, according to this embodiment, as shown in FIG. 14, the actual product of the month can be compared with the same month of the previous year, and the result can be grasped efficiently. For example, it is possible to efficiently understand that transactions with companies E and C are decreasing and transactions with individual B are increasing, so it is possible to study loans very efficiently. It becomes.

  In the second embodiment, only the first period and the second period are input on the setting screen, the thickness of the rear end side of the arrow is set according to the transaction amount of the first period, It shows what set the thickness of the tip side of the arrow according to the transaction amount of the period. On the other hand, the third and fourth periods, which are the period between the first period and the second period, are also set on the setting screen, and the middle side of the arrow according to the transaction amount of the third and fourth periods It is also possible to set the thickness of.

  Moreover, in 2nd Embodiment, it comprises so that the thickness of the arrow may respond | correspond to transaction amount, and the thickness of the rear end side and front end side of an arrow is set according to the transaction amount of the 1st period and the 2nd period. Shown what was set. On the other hand, it is configured so that the darkness of the arrow color corresponds to the transaction amount, and the color density of the rear end side and the front end side of the arrow is set according to the transaction amount in the first period and the second period. It is also possible to set, and even in this case, the same effects as described above are obtained.

  In the first and second embodiments, the customer icon 1 and each supplier icon 2 are displayed two-dimensionally. On the other hand, the customer icon 1 and each supplier icon 2 can be displayed three-dimensionally, and each arrow can also be displayed three-dimensionally. Even in this case, it is possible to represent the transaction amount and the number of transactions by the thickness and length of each arrow.

  In the first and second embodiments, when each customer icon 1 and each supplier icon 2 are clicked, it is also possible to display information about the company of the icon. The displayed information can be, for example, information stored in the customer information table of FIG.

  In the first and second embodiments, a non-bill transaction withdrawal arrow 3, a non-bill transaction deposit arrow 4, a bill transaction withdrawal arrow 5, and a bill transaction deposit arrow 6 are displayed for the customer icon 1. Showed what is. On the other hand, as shown in FIG. 15, for example, only the withdrawal arrows of the non-billing transaction withdrawal arrow 3 and the bill trading withdrawal arrow 5 are displayed from the customer icon 1, and the non-billing transaction withdrawal is performed. It is also possible to configure such that the arrow 3 is displayed on the right side of the customer icon 1 and the bill transaction withdrawal arrow 5 is displayed on the left side of the customer icon 1. FIG. 15 shows FIG. 10 divided into bill transaction withdrawal and non-bill transaction. In this case, it is possible to grasp at a glance what ratio the company A is conducting bill transactions, and it is also possible to grasp what kind of business partners are conducting bill transactions. In FIG. 15, it is also possible to configure so that only the non-billing transaction deposit arrow 4 and the bill transaction deposit arrow 6 are displayed, and the deposit and withdrawal arrows 5 and 6 of the bill transaction are customer icons. It is also possible to configure so that the deposit and withdrawal arrows 3 and 4 for non-bill transactions are displayed on the right side of the customer icon 1. Moreover, it is also possible to divide by upper and lower instead of dividing by right and left.

  Further, when displaying the merchandise flow chart of FIG. 10 or the like, it is also possible to arrange each supplier icon 2 based on the customer information table shown in FIG. 7 or the address of each supplier in the aggregated data shown in FIG. It is. For example, as shown in FIG. 16, each business partner icon 2 can be arranged and arranged for each area of the address, and the place names of each group can be displayed. This is useful information for inferring the business condition of the company A. In addition, it is possible to create a commercial flow chart in several different periods in the set period, and the first period and the second period as in the second embodiment. By setting this period, it becomes possible to efficiently grasp the change in the business field of the company A.

  Further, in the first and second embodiments, when the pointers are placed on the arrows 3, 4, 5, 6 in the display screen displayed on the display device 320 and the pointers are clicked, the arrows 3, 4, 5, It is also possible to configure such that detailed information about 6 (for example, transaction amount, number of transactions, transaction date, etc.) is displayed. In this case, the detailed information is displayed based on, for example, the result of counting in FIG. As described above, detailed information can be easily obtained for each of the arrows 3, 4, 5, and 6, and this configuration is extremely advantageous in quickly and accurately considering a loan and the like.

  In addition, this invention is not limited to the said one Embodiment, A various deformation | transformation is possible in the range which does not change the summary of invention.

  DESCRIPTION OF SYMBOLS 1 ... Customer icon, 2 ... Business partner icon, 3 ... Non-bill trade withdrawal arrow, 4 ... Non-bill trade deposit arrow, 5 ... Bill trade withdrawal arrow, 6 ... Bill trade deposit arrow, 100 ... Account system 110 ... Customer master storage unit, 111 ... Customer master, 120 ... Account data storage unit, 130 ... Communication unit, 140 ... Transmission / reception processing unit, 200 ... Commercial flow grasping system, 210 ... CPU, 220 ... RAM, 230 ... Communication unit, 240 ... customer data storage unit, 250 ... deposit / withdrawal data storage unit, 260 ... aggregate data storage unit, 270 ... arrow display rule storage unit, 280 ... program storage unit, 281 ... customer data storage processing unit, 282 ... deposit / withdrawal data storage process 283 ... Transaction total processing unit, 284 ... Icon display processing unit, 285 ... Arrow display processing unit, 300 ... Person in charge terminal, 310 ... Communication unit, 320 ... Display device, 00 ... administrator terminal, 410 ... communication unit, 420 ... display device.

Claims (16)

A commercial flow chart creating and displaying system that is connected to a bank accounting system and has a display device, creates a commercial flow chart relating to the bank customer, and displays the commercial flow chart on the display device,
A deposit / withdrawal data storage means for receiving a plurality of deposit / withdrawal data relating to the customer from the accounting system and storing it in a deposit / withdrawal data storage unit, wherein the deposit / withdrawal data includes a transaction date, transaction partner data, and The deposit / withdrawal data storage means including at least a deposit / withdrawal amount;
Based on the deposit / withdrawal data stored in the deposit / withdrawal data storage unit, when the transaction is by transfer, transaction totaling means for totaling the amount and the number of transfers of the customer for each predetermined period and for each business partner When,
Icon display means for displaying on the display device a customer icon indicating the customer and a plurality of customer icons each indicating a customer who received a transfer from the customer during the predetermined period;
Display means for causing the display device to display a withdrawal arrow from the customer icon to each of the business partner icons based on a result of counting by the transaction counting means, the display means depending on the amount of money to be transferred At least one of the morphological features of the arrow is set, and at least one other of the morphological features is set according to the number of transfers, and the morphological feature includes the withdrawal arrow. The display means including thickness, length, color, color intensity, pattern, and arrow tip shape;
A commercial flow chart creation and display system characterized by comprising: A commercial flow chart creating and displaying system according to claim 1,
The transaction counting means, based on the deposit / withdrawal data stored in the deposit / withdrawal data storage unit, when the transaction is by transfer, the amount of money to be transferred and the amount of money to be transferred and the number of transfers to the customer. The number of transfers is counted for each predetermined period and for each business partner,
The icon display means causes the display device to display a plurality of business partner icons each indicating the business partner that has been transferred to the customer during the predetermined period.
The display means displays a deposit arrow from each of the business partner icons to the customer icon based on a count result of the transaction count means, and at least of the morphological features of the deposit arrow according to the transferred amount And setting at least one of the morphological features of the deposit arrow according to the number of transfers, and the morphological feature of the deposit arrow includes Thickness, length, color, color intensity, pattern, and arrow tip shape are included. In the commercial flow chart creation and display system according to claim 2,
Each deposit / withdrawal data includes information on whether or not it is a bill transaction,
The transaction aggregation means divides the aggregation into bill transactions and non-bill transactions,
The withdrawal arrow displayed on the display means includes a bill transaction withdrawal arrow according to the amount and number of bill transactions and a non-bill transaction withdrawal arrow according to the amount and number of non-bills transactions. ,
The deposit arrow displayed on the display means includes a bill transaction deposit arrow according to the amount and number of bill transactions, and a non-bill deposit arrow according to the amount and number of non-bills transactions. Commercial flow chart creation and display system. In the commercial flow chart creation and display system according to claim 3,
The bill transaction withdrawal arrow is displayed in an identifiable manner relative to the non-bill transaction withdrawal arrow, and the bill transaction deposit arrow is displayed in an identifiable manner relative to the non-billed transaction withdrawal arrow. Commercial flow chart creation and display system. In the commercial flow chart creation and display system according to claim 2,
The withdrawal arrow set according to the deposit / withdrawal amount in the display means and the morphological feature of the deposit arrow are thickness, and the withdrawal arrow set according to the number of deposits / withdrawals and The morphological feature of the deposit arrow is a length. In the commercial flow chart creation and display system according to claim 2,
The morphological feature of the withdrawal arrow and the deposit arrow set according to the deposit / withdrawal amount on the display means is a thickness,
In the transaction counting means,
Of each period in which the tabulation was performed, the transfer amount from the customer to each of the customers in the first predetermined period and each of the customers in the second predetermined period prior to the first predetermined period Withdrawal arrow thickness setting processing for setting the thickness on the front end side and the thickness on the rear end side of each withdrawal arrow according to the transfer amount of the supplier,
The tip side of each deposit arrow according to the amount transferred from each customer to the customer in the first predetermined period and the amount transferred from each customer to the customer in the second predetermined period And a deposit arrow thickness setting process for setting the thickness of the trailing edge and the thickness of the trailing edge side. In the commercial flow chart creation and display system according to claim 2,
The morphological feature of the withdrawal arrow and the deposit arrow set according to the deposit / withdrawal amount in the display means is color or color intensity,
In the transaction counting means,
The amount of money transferred from the customer to each of the customers in a first predetermined period among the periods in which the aggregation was performed, and from the customer in a second predetermined period prior to the first predetermined period A withdrawal arrow color setting process for setting the color or color density at the front end side and the color or color density at the rear end side of each withdrawal arrow according to the transfer amount of each business partner, and the first predetermined The color or color at the tip of each deposit arrow according to the amount transferred from each customer in the period to the customer and the amount transferred from each customer in the second predetermined period to the customer And a depositing arrow color setting process for setting the color of the rear end and the color of the rear end side or the color intensity of the color. In the commercial flow chart creating and displaying system according to claim 1, 2, 3, 4, 5, 6 or 7.
In this system, when each of the business partners is a company, a numerical value related to the company is stored.
The numerical value relating to the company includes any one of the sales amount, profit amount, number of employees, amount of capital, rating data, deposit amount at the bank and transaction amount at the bank,
The icon display means performs a process of setting a display form of each supplier icon according to a numerical value related to the company stored in the commercial flow grasping system, and the display form includes the supplier. A commercial flow chart creation and display system characterized by the size, color, color depth, pattern, and shape of the icon. A commercial flow relating to a customer of the bank using a bank accounting system, a commercial flow grasping system communicably connected to the billing system, and a display device communicably connected to the commercial flow grasping system A commercial flow diagram creation and display method for creating a diagram and displaying the diagram on the display device,
The commercial flow grasping system is
A deposit / withdrawal data storage step of receiving a plurality of deposit / withdrawal data relating to the customer from the bank account system and storing it in a deposit / withdrawal data storage unit, wherein the deposit / withdrawal data includes a transaction date and data of a counterparty of the transaction , And the deposit / withdrawal data storage step, which includes at least the deposit / withdrawal amount,
Transaction summarizing step of summing up the amount of money transferred and the number of transfers for each customer for each predetermined period when the transaction is based on transfer based on the deposit / withdrawal data stored in the deposit / withdrawal data storage unit When,
An icon display step for causing the display device to display a customer icon indicating the customer and a plurality of customer icons each indicating a customer who has received a transfer from the customer during the predetermined period;
It is a display step of displaying on the display device a withdrawal arrow from the customer icon to each of the business partner icons based on a result of the transaction counting step, and this step corresponds to the amount of the withdrawal arrow according to the transfer amount. At least one of the morphological features is set, and at least one other of the morphological features is set according to the number of transfers, and the thickness of the withdrawal arrow is set in the morphological features. The display step including length, color, color intensity, pattern, and arrow tip shape;
A commercial flow chart creation and display method characterized by: In the commercial flow chart creation and display method according to claim 9,
In the transaction counting means, based on the deposit / withdrawal data stored in the deposit / withdrawal data storage unit, the amount to be transferred and the number of transfers to be transferred to the customer are determined for each predetermined period and Aggregate by business partner,
In the icon display step, the display device displays a plurality of supplier icons each indicating the supplier who has been transferred to the customer during the predetermined period,
In the display step, a payment arrow from each of the business partner icons to the customer icon is displayed based on a total result of the transaction totaling step, and at least of the morphological characteristics of the payment arrow according to the amount of money to be transferred And setting at least another one of the morphological features of the deposit arrow according to the number of transfers, the morphological feature of the deposit arrow is the thickness of the deposit arrow, A method for creating and displaying a commercial flow diagram, comprising length, color, color depth, pattern, and arrow tip shape. In the commercial flow chart creation and display method according to claim 10,
Each deposit / withdrawal data includes information on whether or not it is a bill transaction,
In the transaction aggregation process, the aggregation is divided into bill transactions and non-bill transactions,
The withdrawal arrow to be displayed in the display step has a bill transaction withdrawal arrow according to the amount and number of the bill transactions and a non-bill transaction deposit arrow according to the amount and the number of the non-bills transactions,
The deposit arrow displayed in the display step includes a bill transaction deposit arrow according to the amount and number of bill transactions and a non-bill deposit arrow according to the amount and number of the non-bills transaction. Commercial flow chart creation and display method. In the commercial flow chart creation and display method according to claim 11,
The bill transaction withdrawal arrow is displayed in an identifiable manner relative to the non-bill transaction withdrawal arrow, and the bill transaction deposit arrow is displayed in an identifiable manner relative to the non-billed transaction withdrawal arrow. A commercial flow chart creation and display method. In the commercial flow chart creation and display method according to claim 10,
The withdrawal arrow set according to the deposit / withdrawal amount in the display step and the morphological feature of the deposit arrow are thicknesses, and the withdrawal arrow set according to the number of deposits / withdrawals and The morphological feature of the deposit arrow is a length. A method for creating and displaying a commercial flow diagram according to claim 10,
The morphological feature of the withdrawal arrow and the deposit arrow set according to the deposit / withdrawal amount in the display step is a thickness,
In the transaction counting process,
The amount of money transferred from the customer to each of the customers in a first predetermined period among the periods in which the aggregation was performed, and from the customer in a second predetermined period prior to the first predetermined period Withdrawal arrow thickness setting processing for setting the thickness on the front end side and the thickness on the rear end side of each withdrawal arrow according to the transfer amount of each business partner,
Each deposit according to the ratio of the amount transferred from each customer to the customer in the first predetermined period and the amount transferred from each customer to the customer in the second predetermined period A method for creating and displaying a commercial flow diagram, comprising: performing a deposit arrow thickness setting process for setting a thickness at a tip end side and a thickness at a rear end side of the arrow. A method for creating and displaying a commercial flow diagram according to claim 10,
The morphological feature of the withdrawal arrow and the deposit arrow set according to the deposit / withdrawal amount in the display step is color or color intensity,
In the transaction counting process,
The amount of money transferred from the customer to each of the customers in a first predetermined period among the periods in which the aggregation was performed, and from the customer in a second predetermined period prior to the first predetermined period A withdrawal arrow color setting process for setting the color or color density at the front end side and the color or color density at the rear end side of each withdrawal arrow according to the transfer amount of each business partner, and the first predetermined The color or color at the tip of each deposit arrow according to the amount transferred from each customer in the period to the customer and the amount transferred from each customer in the second predetermined period to the customer And a deposit arrow color setting process for setting the color of the rear end and the color of the rear end side or the color intensity of the color. In the commercial flow chart creation and display method according to claim 9, 10, 11, 12, 13, 14 or 15,
The commercial flow grasping system stores numerical values related to the company when each of the suppliers is a company,
The numerical value relating to the company includes any one of the sales amount, profit amount, number of employees, amount of capital, rating data, deposit amount at the bank and transaction amount at the bank,
In the icon display step, a process for setting a display form of each supplier icon according to a numerical value related to the company stored in the commercial flow grasping system is performed, and the display form includes a size of each supplier icon. A method for creating and displaying a commercial flow diagram, characterized by including color, color, color intensity, pattern, and shape.

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