JP6403852B2 - Company evaluation method by commercial distribution group - Google Patents

Description

  The present invention relates to a method, a computer system, and a program for evaluating a commercial distribution group in a financial institution. In particular, the present invention relates to an event-based marketing (EBM) method, a computer system, and a program for evaluating a commercial flow and utilizing the evaluation of the commercial flow.

  When a corporation (such as a company) is evaluated at a financial institution, the corporation is often evaluated from a financial point of view such as the financial statements of the corporation. On the other hand, in regard to assessing corporations from a non-financial perspective, foreign affairs officers at financial institutions use their own methods.

  As one of the methods for evaluating a corporation from a viewpoint other than finance, Patent Document 1 discloses a method for grasping a direct flow of funds between a corporation to be evaluated and a corporation with a direct transaction. Specifically, Patent Document 1 describes a method of calculating a total transaction amount for each combination of a receiving corporation and a receiving corporation for each of a target period and a past period, from a corporation or a new business partner that has received a new business partner. The method of extracting the corporation that received the payment of is disclosed.

  If it is possible to grasp a direct change in the flow of funds by a method such as Patent Document 1, it is possible to easily evaluate the target corporation based on the influence of the change. However, the method disclosed in Patent Document 1 is a method for evaluating the relationship between the target corporations based on the direct individual funds flow between the target corporations, and is considered until the commercial flow itself is evaluated. Not done.

  Patent Document 2 and Patent Document 3 disclose a technique for evaluating individual corporations based on transaction data (capital amount) between individual corporations. The methods disclosed in Patent Document 2 and Patent Document 3 are compared with Cited Document 1 by using the concept of commercial flow including the target corporation and partially taking into account indirect effects such as other legal human transactions. ing. Here, in general, the commercial flow is often composed of a plurality of legal transactions, and not only corporations that have direct transactions with the target corporation but also corporations that do not have direct transactions with the target corporation. included. However, Patent Document 2 and Patent Document 3 are merely extracting a series of individual funds flows related to the target corporation, and it is difficult to say that they are actual commercial flows. In other words, it does not consider the evaluation of the commercial flow itself in the commercial flow formed by individual corporations.

Japanese Patent No. 5416852 Japanese Patent Laying-Open No. 2015-088037 Japanese Patent Laying-Open No. 2015-125455

  Conventionally, there has not been a method for evaluating the commercial flow itself or a method for utilizing the evaluated commercial flow. If the commercial flow can be evaluated, for example, it will be possible to grasp the whole commercial flow from a bird's-eye view, not individual direct funds flow. Further, if the evaluated commercial flow can be utilized, for example, individual corporations constituting the commercial flow can be appropriately evaluated. That is, in one aspect of the present invention, one of the problems to be solved is to extract a commercial flow included in a target corporation to be evaluated and evaluate the extracted commercial flow.

  In another aspect of the present invention, one of the problems to be solved is to evaluate the current state or future of a certain commercial flow or a similar similar commercial flow.

  According to one aspect of the present invention, means for obtaining corporate information data regarding financial transaction information between corporations including a virtual corporation and corporate information from the database, a financial account of any target corporation, and the target corporation directly For extracting a corporation that forms a target commercial flow based on financial transaction data with the financial account of an affiliated corporation with which the transaction is made, or indirectly, and the corporate information data, and a method for forming the target commercial flow A commercial flow evaluation system comprising: means for calculating an evaluation value of the target commercial flow based on the human financial transaction data and the corporate information data.

  According to one aspect of the present invention, it is possible to provide a system that can quantitatively evaluate a target commercial flow based on information on the entire commercial flow to which the target corporation belongs. Therefore, for example, it is possible to provide a system for quickly and accurately grasping the funding needs of the target corporation. In addition, according to another aspect of the present invention, it is possible to evaluate the current or future of the target commercial flow or the similar commercial flow by considering the influence of the target commercial flow.

  Other objects, features and advantages of the present invention will become apparent from the following description of embodiments of the present invention with reference to the accompanying drawings.

1 shows a schematic diagram of a network system for corporate evaluation in one embodiment of the present invention. FIG. 1 shows a functional block diagram of a computer system in one embodiment of the present invention. FIG. 2 shows a data structure in one embodiment of the present invention. An example of the grouping in one Example of this invention is shown. The conceptual diagram of the method of managing the grouped corporation | corporation with a management number in one Example of this invention is shown. With reference to FIG. 5a, a specific example for a conceptual diagram of a method for managing grouped corporations with a management number in one embodiment of the present invention is shown. 5a and 5b show an example of financial transaction data using a corporate management number in one embodiment of the present invention. It is a flowchart which shows the process which produces | generates the commercial flow in one Example of this invention. The conceptual diagram of the commercial flow in one Example of this invention is shown. With reference to FIG. 7a, a map mapping commercial flows in one embodiment of the present invention is shown. The flowchart for determining the actual object and influence degree of the composite change in one Example of this invention is shown. With reference to FIG. 8a, the elements of the complex change determination in one embodiment of the present invention are shown. In connection with FIGS. 8a and 8b, a pattern of complex changes is shown. In connection with FIGS. 8a, 8b, 8c, a single change pattern is shown. The flowchart for detecting the change of the corporation | corporation in one Example of this invention and estimating the change of commercial flow is shown. In connection with FIG. 9a, a conceptual diagram of the estimated change in commercial flow in one embodiment of the present invention is shown. FIG. 9a and FIG. 9b show a map in which changes in estimated commercial flow in one embodiment of the present invention are mapped. The display example of the corporation evaluation shown with the table | surface and graph of the individual company information in the one Example of this invention, the whole commercial flow, and the characteristic (position) of commercial flow is shown. In relation to FIG. 10a, a display example of corporate evaluation showing a table and a graph of individual company information, the entire commercial flow, and the commercial flow characteristics (position) before and after the change of the commercial flow in one embodiment of the present invention is shown. . 10D shows a display example of commercial flows and corporations evaluated based on the flowcharts of FIGS. 10d and 10e. The flowchart for evaluating a commercial flow is shown. The flowchart for evaluating the corporation which comprises the commercial flow based on evaluation of commercial flow is shown. 1 shows a schematic diagram of an MCIF collaboration system in an embodiment of the present invention. FIG. It is a flowchart which shows an example of the process in which a commercial flow server produces a commercial flow in the MCIF cooperation system in one Example of this invention. FIG. 12B is a flowchart illustrating an example of processing in which the commercial flow server estimates the commercial flow in the MCIF cooperative system according to the embodiment of the present invention in relation to FIG. 12A. 12A and 12B are flowcharts illustrating an example of a process for assigning a corporate management number according to an embodiment of the present invention. FIG. 2 is a conceptual diagram of a commercial flow created when a computer system of a plurality of financial institutions cooperates in the MCIF collaborative system according to an embodiment of the present invention. With reference to FIG. 13a, the map which mapped the commercial flow produced when the computer system of several financial institutions cooperated in the MCIF cooperation system in one Example of this invention is shown. The flowchart which searches similar commercial flow similar to object commercial flow is shown. The flowchart which estimates the change of a similar commercial flow is shown.

  FIG. 1 is a schematic diagram of a network system (corporate evaluation system) 100 for corporate evaluation in an embodiment of the present invention.

  FIG. 1 shows a computer system (for example, an EBM (Event Based Marketing) system) 200, 300, 301, 302 and an external DB (database) for ease of understanding. 3 is a diagram showing a connection with the network 303 via the network 500. Computer systems 200, 300, 301, and 302 are computer systems for realizing the present embodiment. The external DB 303 is a database for acquiring and recording corporate information data relating to funds that are not grasped by the financial institution. Here, the corporate information data may include corporate financial information (such as sales and performance) and attribute information (such as scale) in addition to the information described above. The external DB 303 may have corporate information data that overlaps with a corporate information DB 237 described later. Here, the corporate information data may be stored as a total score. By acquiring the corporate information data, it is possible to supplement the data on legal transactions and improve the accuracy of commercial flow creation. In particular, FIG. 1 shows that the financial accounts held by the bank A computer system 200, the bank B financial transaction system 300, the bank C financial transaction system 301, and the bank D financial transaction system 302 are within the same bank. FIG. 2 shows a conceptual diagram in which a financial transaction is performed using financial transaction data with another bank via the network 500. Note that various systems of a plurality of financial institutions may be further connected to the network 500.

FIG. 2 shows a functional block diagram of a computer system in one embodiment of the present invention. For ease of explanation, Bank A computer system 200 will be described.
The computer system 200 includes an in-line server 210, terminals 220 (220-1 to n: n is an integer of 1 or more), and an in-line DB (DataBase) 230. The in-line server 210 performs various information processing such as transmission / reception and analysis of financial transaction data. The terminal 220 inputs data to the in-line server 210 and visually displays a result analyzed by the in-line server 210. The in-line DB 230 records data processed by the in-line server 210 and provides data necessary when the in-line server 210 performs information processing.

  The in-line server 210 includes a control unit 211, a grouping unit 212, a corporate management unit 213, a commercial flow generation unit 214, a commercial flow estimation unit 215, a mapping unit 216, an external I / F unit 217, and similar products. A flow search unit 218 is included.

  The control part 211 controls each part 212-217 mentioned later. In addition, although the control part 211 may be provided independently, you may provide a control part separately inside each part 212-217 mentioned later.

  The grouping unit 212 normalizes financial transaction data, associates a plurality of corporate accounts, and performs a process of determining a single corporate group (referred to as grouping in this embodiment). The “corporate” in the present embodiment refers to an entity having one financial account, for example, not only a legal entity but also one establishment in a certain entity. Including.

  The corporate management unit 213 manages a plurality of grouped corporate accounts as one corporate group.

  The commercial flow generation unit 214 generates a commercial flow based on the flow of funds between a plurality of corporate accounts.

  The commercial flow estimation unit 215 includes a change in transaction of one or a plurality of funds (such as increase / decrease in the flow of funds) and a change in corporate activities (such as a new business) in the commercial flow generated by the commercial flow generation unit 214. When a commercial flow changes due to the occurrence of a launch or a failure, a change in another commercial flow is estimated based on the change.

  The mapping unit 216 maps the commercial flow generated by the commercial flow generation unit 214 to a map and displays it on a screen of a terminal or the like. With this display, the user can visually grasp the commercial flow. Further, the commercial flow estimated by the commercial flow estimation unit 215 can be reflected on the map and displayed.

  An external I / F (Interface) unit 217 transmits and receives financial transaction data to and from an external bank via the network 500.

  The similar commercial flow search unit 218 searches for a similar commercial flow similar to the target commercial flow. An embodiment for searching for similar commercial flows will be described later.

  The bank DB 230 includes a financial account DB 231, a map DB 232, a settlement information DB 233, a grouping DB 234, a corporate management number DB 235, a commercial flow DB 236, and a corporate information DB 237.

  The financial account DB 231 is a database that manages the balance of individual financial accounts (particularly corporate accounts) established in financial institutions.

  The map DB 232 is a database that records map information. In particular, necessary information (such as a relationship with geographical information such as an address) is recorded when mapping the location (address) and commercial flow of a corporation.

  The settlement information DB 233 is a database for performing settlement based on each financial transaction data, or recording all financial transaction data within a predetermined period (or a part of a corporation having a predetermined number of transactions). It is. Further, it may be configured to record financial data that has been subjected to predetermined information processing based on a corporate management number as will be described later.

  The grouping DB 234 is a database for recording data necessary for grouping. In addition, the database manages each corporation determined to be one corporation group (virtual corporation) by grouping.

  The corporate management number DB 235 is a database for assigning and managing individual corporate management numbers to the grouped corporate groups.

  The commercial flow DB 236 is a database for recording and managing the generated commercial flow. Moreover, you may be comprised so that the estimated commercial flow can be recorded.

  The corporate information DB 237 is a database that manages attribute information, corporate information, and the like of a corporation having a corporate account. The attribute information of the corporation is, for example, the location of the corporation (or the location of the establishment related to the target financial account). The corporate information of a corporation includes the finance, rating, performance, etc. of the corporation. Further, the corporate information DB may record deposit information relating to the amount of money the bank has deposited with the corporation, and lending information relating to the amount the bank has lent to the corporation. The corporate information DB 237 may have corporate information that overlaps with the external DB 303.

  The similar account search DB 238 is information generated based on corporate information held by the bank (in the present embodiment, A bank), and whether or not the same corporate name is the same corporation. It is a database for recording the information for judging.

  Note that a part or all of the above-described database may be installed outside the bank computer system as long as the functions described in this embodiment can be realized.

  The bank B financial transaction system 300, the bank C financial transaction system 310, and the bank D financial transaction system 320 use the financial transaction data described later with reference to FIG. It suffices to have a minimum system that allows financial transactions. That is, the bank B financial transaction system 300, the bank C financial transaction system 310, and the bank D financial transaction system 320 need not have the same configuration as the bank A computer system 200.

  FIG. 3 shows the structure of financial transaction data in one embodiment of the present invention.

  The data structure of this embodiment includes a recipient (name) 310, a client (name) 320, a communication type 330, an account date 340, and a transaction amount 350. The payee 310 indicates the name of the corporation to which the financial transaction is requested. The client 320 indicates the name of the corporation that requested the financial transaction. The communication type 330 indicates the type of financial transaction. The account date 340 indicates the date when the financial institution performed the financial processing. The transaction amount 350 indicates the amount paid from the payment source (client) to the payee (recipient).

  FIG. 4 is a diagram showing an example of grouping in an embodiment of the present invention. The “corporate” in the present embodiment refers to an entity having one financial account, for example, not only a legal entity but also one establishment in a certain entity. Including.

  FIG. 4A shows data when the name of the client is extracted from the financial transaction data of FIG. 3 as a key.

  FIG. 4B shows an example of normalizing the data extracted in FIG.

  In the present embodiment, an example of normalization processing will be shown, focusing on the fact that the name of a corporation used in financial transaction data is often composed of “keyword + abbreviation + additional characters”. In the normalization process of the present embodiment, the order of “keyword”, “abbreviation”, and “additional characters” may be arbitrary.

  First, abbreviations indicating stock companies such as “Cub” and “K” are extracted from the name of the client. Specifically, for example, a list of the abbreviations is recorded in advance in an arbitrary grouping DB 234, and the abbreviations are extracted by processing the recorded abbreviations and the names of the clients using AND logic. Also good.

  Next, additional characters are extracted. Specifically, for example, a list of additional character strings (for example, area names such as Yokohama and Kyoto) is recorded in the grouping DB 234 in advance, and the recorded additional character strings and each client's The additional characters may be extracted by processing the last few characters of the name with AND logic.

  By performing the processing described above, characters other than abbreviations and additional characters are removed, and only the keyword remains, so that the keyword can be extracted as normalized data. The normalized data may be recorded in the grouping DB 234 in order to determine whether it is an existing corporate group from financial transaction data of a new corporate account when performing future grouping.

  FIG. 4C shows the result of normalization processing based on the name of the client. In the present embodiment, since the keyword “knowledge soken” is included in the names of the four clients, the grouping unit 212 determines that the client of the account having the keyword belongs to one virtual corporate group. Determined. Similarly, when grouping financial transaction data for another predetermined period in the future, the grouping unit 212 refers to the grouping DB 234 and determines that the names of clients having the keyword are all one corporation. Also good. In other words, the client who included the keyword “Knowledge Soken” is grouped, but the client who includes the keyword “Knowledge Sogoken” is a different corporation here. It is determined that Since the corporations once grouped are handled as one virtual corporation, the location of the one virtual corporation may also be recorded in the grouping DB 234. In this case, for example, the address of the corporate account with the most transactions (which may be the number of transactions or the transaction amount) among the corporate accounts constituting the virtual corporate entity is acquired from the corporate information DB 237, and the grouping DB 234 is obtained. May be recorded. The address information may be used in the future when mapping a commercial flow to a map.

  FIG. 4D shows an example of a normalization process for further extending the normalization process obtained in FIG. 4C and expanding the number of accounts to be grouped. In FIG. 4D, the grouping DB 212 refers to the similar account search DB 238 to search for a keyword similar to the keyword (knowledge soken) extracted in FIG. Here, the similar account search DB 238 records patterns that are similar. For example, one pattern that is determined to be similar is an abbreviation. In FIG. 4D, it is determined that “soken” and “sogokenkyu” are the same. The example of the abbreviation is an example in the case of mainly performing a similar search for a part of a keyword.

  Similarly, another pattern that is determined to be similar is a trade name change. This can be extracted from the bank's financial transaction data. For example, when a client requests a name change from a client, the financial institution changes the name of the client who requested it. Here, since the financial institution assigns an individual account number or the like to each financial account, it grasps the change history of the client of the account. By recording the change history in the similar account search DB 238, the accuracy of the similar search can be improved. In this embodiment, A (Sompo Co., Ltd.), B (Sompo Co., Ltd.), and A & B (Sompo Co., Ltd.) are the same corporation. For example, the history that the account holder was changed based on the fact that A (Sompo Co., Ltd.) and B (Sompo Co., Ltd.) became A & B (Sompo Co., Ltd.) due to merger or the like is recorded in the similar account search DB 238. Due to what has been done. The similar account search DB 238 also records that ABC (Automobile Co., Ltd.) and Aiu (Automobile Co., Ltd.) are the same. For example, this is based on a change to a corporate name using a name (Aiu) of a well-known product name. The example of changing the trade name is mainly an example in the case of performing a similar search as the entire keyword.

In the present embodiment, by referring to the similar account search DB 238, it is determined that “Knowledge Soken” and “Knowledge Sogoken” are the same.
In FIG. 4 (e), the determination result in FIG. 4 (d) determines that “Knowledge Soken” and “Knowledge Soukaku” are the same. All are grouped as the same corporation.

  In the grouping shown in FIG. 4, the number of corporate accounts may change depending on the designation of the target period (based on the account date) of the financial transaction data. Thus, for example, the target period may be arbitrarily set. Moreover, it may be configured to periodically replace (add or reduce) the corporations constituting the grouped virtual corporations by periodically updating the target period (for example, every year). Further, when creating a commercial flow, the user may arbitrarily specify the target period from the terminal.

  The grouping can implement the present invention other than the method shown in this embodiment.

  FIG. 5 is a diagram illustrating an example of a corporate customer management method according to an embodiment of the present invention.

  FIG. 5a shows a conceptual diagram of corporate management. When the corporations A1, A2, A3,... Are determined to be one corporation group by grouping as shown in FIG. 4, a corporation management number (for example, 10001) is assigned. Similarly, if it is determined that the corporations B1, B2, B3,... Are the same corporation group, the corporation management unit 213 assigns a corporate management number (for example, 10002). By assigning a corporate management number, management of the corporate becomes easy. For example, by constructing the corporate management number DB 235 for managing the corporate management numbers, for example, information acquisition and information sharing such that the corporates A1, A2, and A3 are substantially the same corporation are facilitated. Even if a new corporation (for example, corporations A4, A5, etc.) is added, if it is determined that they are the same corporation group, the new corporation can be managed with the same corporation management number. In addition, as described later, when grasping the commercial flow, instead of grasping the commercial flow for each individual corporation (financial account), it is possible to grasp the commercial flow collectively based on the corporate management number, Commercial flows that are easy to understand intuitively can be displayed on the screen of the terminal (using a method such as mapping).

  In addition, an account of a financial institution is often opened at each business establishment. By grouping the flow of funds for each office as in the present embodiment, the flow of funds for each corporation can be grasped as a commercial flow.

  FIG. 5b shows a specific example of data recorded in the corporate management number DB based on the concept of FIG. 5a. Each corporate account determined to be the same corporate group based on the grouping described with reference to FIG. 4 is assigned the same corporate management number (10001 in this embodiment) as one corporate group.

  FIG. 5c processes the financial transaction data shown in FIG. 3 and replaces the data of the client 320 in FIG. 3 from the corporate name to the corporate management number based on the management table shown in FIG. An example of a data structure in which only items (here, the payee 310, the client 320, the account date 340, and the transaction amount 350) are extracted is shown. The processed data as shown in FIG. 5c may be recorded in an arbitrary DB (for example, settlement information DB 233).

  FIG. 6 is a flowchart showing a process for creating a commercial flow in an embodiment of the present invention. FIG. 7a shows a conceptual diagram of a commercial flow in one embodiment of the present invention, and FIG. 7b shows a mapping of the commercial flow to a map.

  Here, the commercial flow is composed of a flow of funds in a plurality of legal transactions. For example, in FIGS. 7a and 7b, it is indicated by an arrow that corporation A receives funds from corporation B and corporation X (payment). On the other hand, the corporation A indicates that the corporation C and the corporation Y are sending funds (withdrawal) with arrows.

  Hereinafter, the flowchart of FIG. 6 will be described with reference to FIGS. 7a and 7b.

  In S1010, the grouping shown in FIGS. 4 and 5 is executed to organize corporate accounts.

  In S1020, a corporation (target corporation) that is a target of corporate evaluation is selected. For example, the corporation A is selected.

  In S1030, a commercial flow (target commercial flow) to which the target corporation A belongs is created. For example, in the present embodiment, the commercial flow created between the related corporations B, C, X, and Y that have a direct transaction with the target corporation A is the target commercial stream. Here, in creating the target commercial flow, for example, based on the financial transaction data shown in FIG. 3, the total amount of transactions in a predetermined period such as per year may be used as a reference. Furthermore, from the corporate information DB 237 and the external DB 303, by converting the target corporate transaction information into an amount by any method and supplementing the above-described financial transaction data relating to the total amount of transactions in a predetermined period, A commercial flow may be created. In the case of a business relationship that does not satisfy the predetermined total amount, it may be determined that it does not belong to the target commercial flow.

  In S1040, a corporation that directly deals with the target commercial flow is selected. In the present embodiment, (additional) related corporations J and K that have transactions with the related corporations B, C, X, and Y are selected.

  In S1050, the related corporations J and K selected in S1040 are added, and the target commercial flow is updated. For example, the business flow is updated by adding a relationship between the corporation B and the corporation J that has a direct transaction. Similarly, the commercial flow of the corporation X is updated. When updating the commercial flow, it may be created based on the same standard as when the target commercial flow was initially created (S1030), or may be created based on a different standard. For example, when determining whether or not there is a commercial flow based on the predetermined total amount in a predetermined period, it is determined that there is a commercial flow even if it is less than the predetermined total amount as viewed from the target corporation A. May be. This is because the transaction amount for a predetermined period (annual, monthly, etc.) varies depending on the scale of the corporation.

  As another example, when creating a commercial flow, a commercial flow creation standard between a business partner corporation (eg, corporation B, C, X, Y) and a business corporation (eg corporation A) is created. (Total amount of transaction, etc.) may be set based on the corporation information DB 237 in accordance with the scale of the corporation of the transaction source and the business partner. This is because if the target corporation is a so-called large company, a company that deals directly or indirectly with a large company is often a small and medium-sized company with a small transaction amount. As yet another embodiment, the present invention can be applied not only to BtoB (Business to Business), that is, business flow based on transactions between corporations, but also to BtoC (Business to Consumer). When applied to BtoC, a set of consumers may be handled as one virtual corporation. In this embodiment, the corporation K is handled as a virtual corporation. The corporate attribute of the virtual corporation may be configured so that consumer macro data is registered in a database or the like and can be used as appropriate. Further, in the description of the present embodiment, when referred to as “corporate”, a virtual corporation is also included.

  In S1060, it is confirmed whether or not the transactions with all the related corporations have been updated by reflecting them in the commercial flow. In this embodiment, it is confirmed whether or not all commercial flows in the corporations B, C, X, and Y have been created. If not all have been created, the process returns to S1050. If all are created, proceed to the next step.

  In S1060, a corporation that has a direct transaction with the related corporations B, C, X, and Y selected in S1040 is selected. In this embodiment, the related corporations C and J having a direct transaction with the related corporation B and the related corporations B and K having a direct transaction with the related corporation C are selected.

  Similarly, when forming a commercial flow by adding a related corporation, the same processing as S1070 to S1090 may be added to the subsequent of S1090.

  In S1100, based on the data recorded in the commercial flow DB 236, all commercial flows based on the target corporation (corporation A in this embodiment) are displayed. The method for displaying the commercial flow may be a visually easy-to-understand format using a table or a map, or various other formats may be used. For example, it may be conceptual as shown in FIG. Further, as shown in FIG. 7b, a part or all of the commercial flow may be mapped and displayed on a map (a world map, a Japan map, a municipality map, a schematic map, etc.). By mapping the business flow to the map, for example, sales representatives of financial institutions can visually understand the flow of business flow so that the order of visiting corporate customers can be easily determined. Become.

  Here, the commercial flow shown in FIG. 7A will be described. For example, assume that the commercial flow in FIG. 7a is a flow of buying and selling goods (raw materials, processed products, etc.). In FIG. 7a, since the arrow is directed from the corporation B to the corporation A, it can be seen that the corporation A receives funds from the corporation B and the corporation X. From another perspective, it can be seen that corporation A sells goods to corporation B and corporation X. On the other hand, since corporation A has sent funds to corporation C and corporation Y, it can be seen that they are buying things. For example, if corporation A is a manufacturer, corporation A purchases raw materials, etc. from corporation C and corporation Y, manufactures and processes in corporation A, and sells products to corporation B and corporation X. I understand. In other words, it can be seen that the flow of funds and the flow of buying and selling goods are opposite. Further, as shown in FIG. 7b, by mapping the commercial flow to the map, the flow of funds can be understood together with geographical information.

  A commercial flow may be created based on the grouped virtual corporate financial transaction data. At that time, the financial transaction data between one virtual corporation may not be used when creating a commercial flow. This can exclude in-house transactions (ie transactions between different establishments under the same legal entity). In general, if a company's own company transactions are also used to create a commercial flow, the company's sales will be significantly higher than the published sales. Such in-house transaction data is noise in data processing. If a commercial flow is formed after performing grouping as shown in the present embodiment, it is possible to exclude a company-to-company transaction that causes noise, and thus a highly accurate commercial flow can be created. Further, if such a highly accurate commercial flow can be created, as will be described later, changes in the commercial flow can be predicted with high accuracy.

  Further, as shown in FIGS. 7a and 7b, when displaying the commercial flow, the thickness of the arrow may be changed in accordance with the transaction amount of each legal person so that it can be displayed visually and easily.

  FIG. 10d shows a flowchart for evaluating the commercial flow.

  In S7010, a commercial flow to be evaluated is selected. Here, it is necessary to select a corporation that constitutes a commercial flow. For example, a corporation that constitutes a commercial flow may be selected by the procedure shown in the flowchart of FIG.

  In S7020, the total amount of the capital transaction of the target commercial flow is calculated. You may calculate the total amount of funds transactions within the corporation that constitutes the commercial flow (the total amount that does not include transactions outside the target commercial flow), or the total amount of all financial transactions involving the corporation that constitutes the commercial flow ( You may calculate the total amount including transactions outside the commercial flow of interest.

  In S7030, individual company information of a corporation constituting the commercial flow is acquired.

  In S7040, external corporate information is acquired from the external DB.

  In S7050, the commercial flow is evaluated based on the information acquired in S7010 to S7040.

  FIG. 10e shows a flowchart for evaluating a corporation constituting the commercial flow based on the evaluation of the commercial flow.

  In step S8010, a commercial flow to which a corporation to be evaluated belongs is selected, and evaluation information (evaluation value) of the selected commercial flow is also acquired.

  In S8020, the position of the corporation to be evaluated is calculated. It also calculates the positions of other corporations that make up the commercial flow. Here, the position is the degree of contribution of the corporation in the commercial flow. In calculating the position, for example, a calculation formula based on [amount actually traded by a certain corporation] / [total amount of transactions in the commercial flow]. May be used. Then, after calculating the positions of all corporations constituting the commercial flow or arbitrary corporations, the positions of the respective corporations are compared. As a result of the comparison, the top corporation or several top corporations are selected, and these selected corporations are determined to be “main” positions in the commercial flow. Here, it is possible to simultaneously obtain information (commercial flow characteristics) that part or all of transactions with corporations determined to be in the “main” position are unevenly distributed in terms of the amount of capital transactions in terms of the entire commercial flow. You may do it. On the other hand, a corporation that is not determined in the “main” position is determined to be in the “secondary” position. A corporation determined to be a “main” position can be determined to be a corporation that has a potential greater than the calculated position. On the other hand, a corporation that has been determined to be in a “subordinate” position is determined to be a corporation that has no potential beyond the calculated position, and the corporation in the “primary” position has a large influence or dependency. Is determined to be a large corporation. In other words, the “main” position is less likely to be negatively impacted by risks from other corporations, but may be subject to increased positive impacts such as funding needs. On the other hand, if the position is “secondary”, it will be more susceptible to negative effects such as risks from other corporations.

  In S8030, the target corporation is evaluated based on the position determined in S8020, the external corporate information from the external data, and the internal corporate information from the corporate DB. Here, individual corporate information is used using corporate information. If the evaluation value of the corporation is high, for example, it is difficult to receive negative influences such as risks from other corporations, but there is a possibility that it may receive positive influences such as funding needs. On the other hand, if the evaluation value of a corporation is low, it is likely to be negatively affected by risks from other corporations.

  FIG. 8a shows a flowchart for determining (a) the actual object and the influence of a complex change or a single change in one embodiment of the present invention, FIG. 8b shows the object of the complex change, and FIG. Shows the pattern of complex change, and FIG. 8d shows the pattern of single change. 8a to 8d, an example of information processing for confirming whether or not a change has occurred in a certain legal person transaction in the entire generated commercial flow, or whether or not a change has occurred in the target corporation or related corporation itself. Is shown. In the case of individual legal transactions that form a commercial flow, it is normal for the transaction amount to change within a certain range when viewed in units of a certain period (such as one year). The normally occurring changes do not necessarily cause changes in the entire commercial flow. Therefore, in this embodiment, a pattern for causing a change in the entire commercial flow is recorded in advance, and when the change in transaction amount (or a combination thereof) occurs along the pattern, the commercial flow is changed. An example of information processing to judge is shown.

  In S2010, information related to the fund transfer of each corporation (target corporation and related corporation) within an arbitrary fixed period (for example, the past one year) to be searched, that is, within the target period, and the corporation information of the corporation are displayed in the settlement information DB 233. Read from etc. Further, in addition to the information in the search target period, information related to fund transfer of the target corporation or related corporation in the reference period (different from the search target period) and corporate information of the target corporation or related corporation are also set in the settlement information DB 233. Read from etc. Here, the reference period is a period different from the search target period and may be an arbitrary fixed period in the past. The reference period may be a period longer than the target period and include the target period.

  In S2020, it is determined whether or not individual elements have changed with respect to the information on the transfer of funds and the corporate information read in S2010. Here, for example, as shown in FIG. 8b, each element is a new deposit (new sale), a new payment (new purchase), a withdrawal omission (sales omission), or a payment omission (finishing). In the case of corporate information, it is finance, rating, industry, etc. In determining whether or not each individual element has changed, it is determined how much the information in the target period read in S2010 has changed with respect to the information in the reference period (for example, increased by a predetermined rate or more). May be based. When determining the change, for example, the data may be processed and compared so that they can be compared with each other. For example, [(fund transfer from corporation B to corporation A) / target period] and [(fund transfer from corporation B to corporation A) / reference period].

  In order to determine the transfer of funds in FIG. 8b, the transfer of funds during the target period may be compared with the transfer of funds during the reference period. As an example, as shown in FIG. 7, it is understood that the target corporation A has a deposit flow from the related corporation B. If the transfer of funds from corporation B to corporation A in the target period is greater than the transfer of funds from corporation B to corporation A in the reference period (or if it has increased by more than a certain percentage), Can be determined. On the other hand, if the transfer of funds from the corporation B to the corporation A in the target period is less than the transfer of funds from the corporation B to the corporation A in the reference period (or if it has decreased more than a certain percentage), It can be determined that a “deposit” has occurred. As another example, as shown in FIG. 7, it is understood that the target corporation A has a flow of payment (withdrawal) from the related corporation C. If the transfer of funds from corporation A to corporation C in the target period is greater than the transfer of funds from corporation A to corporation C in the reference period (or if it has increased by a predetermined amount or a predetermined percentage or more), It can be determined that “new payment” has occurred. On the other hand, if the transfer of funds from corporation A to corporation C in the target period is less than the transfer of funds from corporation A to corporation C in the reference period (or if it is reduced by a predetermined amount or a predetermined percentage or more) ), It can be determined that a “payment omission” has occurred.

  In S2030, the process is executed when it is determined in S2020 that a change has occurred. A complex change pattern as shown in FIG. 8c or a single change pattern as shown in FIG. 8d is searched. These patterns are recorded in advance in a predetermined DB (not shown). Here, the compound change is a change when a plurality of predetermined conditions are matched. A single change is a change when one condition matches.

  For example, the pattern NO. In order to correspond to 1, (1) Corporation A (target corporation) (2) After withdrawal of payment from corporation B (partner corporation), (3) New deposit from corporation X, (4 It is necessary to satisfy all that the amount of funds in (2) and (3) above is xx billion yen or more (xx is a preset number). Pattern NO. The determination after 2 is similarly performed. If any one of the patterns described in the table of FIG. 8c is satisfied, the process proceeds to the next process.

  The pattern NO. In order to fall under 1, the rating of corporation A (target corporation) needs to be raised by one rank. The pattern NO. The determination after 2 is similarly performed.

  As another embodiment, when a plurality of patterns are selected from the patterns shown in FIGS. 8c and 8d, a method of calculating the total influence degree from the influence degree of each pattern using a predetermined calculation formula is applied. May be.

  In S2040, an actual object corresponding to the pattern is determined from the corresponding complex change pattern. In this embodiment, an execution target corresponding to the pattern NO in FIG. 8c is recorded in advance. For example, pattern NO. When 1 is satisfied, the implementation target is “fund needs” according to FIG. That is, it is determined that the target corporation A has funding needs. On the other hand, pattern NO. When 2 is satisfied, the implementation target is “risk” according to FIG. That is, the target corporation A is determined to be at risk. In the present embodiment, if any of the patterns is met, two implementation targets of “fund needs” or “risk” may be determined. Here, funding needs mean that the target corporation needs or is likely to need funds. In addition, the risk means that the target corporation is likely to cause bankruptcy or non-compliance. Pattern NO. The same applies to 3 and later. The pattern in FIG. 8c shows an example in which the actual object of the corporation A (target corporation) is determined, but as another example, the actual object of the related corporation may be determined. Also,

  In S2050, the influence degree is calculated. Here, the degree of influence in the present embodiment is the effect of the target corporation on the related corporation (due to a new change, payment dropout, combined change or single change based on company information, etc.) or (new payment, dropout of payment, company Impacts of transactions with affiliated corporations themselves and affiliated corporations directly, and affiliated corporations and commercial flows (such as the volume of funds) indirectly become subject corporations (due to complex changes such as information and single changes) The effect is shown by a numerical value (for example, a range of 0 to 100%). In calculating the influence degree, a certain value (xx%, yy%, etc. in FIG. 8c) corresponding to each pattern may be determined. Also, each pattern has a value within a certain range (such as aa% to bb% in FIG. 8c). For example, the ratio of the amount of funds for legal human transactions (the ratio to the amount of funds that the target corporation or related corporation trades) The ratio may be calculated so that the value is determined within the range based on the ratio of funds to the entire commercial flow including the target corporation. In this way, it is possible to quantitatively evaluate a corporation by creating a list (table) in which the degree of influence is generated and determining the degree of influence, and further considering the degree of propagation described later. Moreover, the influence degree based on the change of the related corporation itself can be calculated, and the calculation based on the change of the commercial flow (flow of funds, etc.) can also be performed.

  In step S2060, the actual condition target and the influence degree of the searched complex change are output. The output may be recorded in the commercial flow DB 236 or displayed on the terminal screen so as to overwrite the map shown in FIG. When a change occurs, the determination result may be displayed in S2020, that is, the fact that the actual change target in FIG. 8c is “fund needs” or “risk” may be displayed.

  FIG. 9a shows a flowchart for detecting a change in the commercial flow and inferring another change in the commercial flow in one embodiment of the present invention. Here, the change in the commercial flow may be a real change in the actual commercial flow or a virtual change calculated by simulation.

  In S3010, a change in the target commercial flow is detected. Changes in the target commercial flow may be, for example, changes in corporate information data (for example, changes in sales) of target corporations and related corporations (corporations directly or indirectly related to the target corporation) belonging to the target commercial flow. It may be a change in financial transaction data of legal human transactions (within the target commercial flow) that are directly or indirectly related to the target corporation. Here, the corporation directly related to the target corporation is, for example, a corporation B, C, J, K, X, Y (related corporation) when the corporation A is the target corporation as illustrated in FIG. . The corporation that is indirectly related to the target corporation, for example, will be described with reference to FIG. 7a. If corporation A is the target corporation, corporation J is a corporation that is indirectly related (via corporation B). Similarly, corporation K is a corporation that is indirectly related to corporation A.

  In S3020, the degree of influence of a corporation directly or indirectly related is calculated. The influence degree may be calculated based on a flowchart (particularly, S2050) or a table as described with reference to FIGS.

  In S3030, the degree of propagation to each corporation in the commercial flow is calculated. When a change occurs, the degree (rate) affected by a corporation varies even within the same commercial flow. The degree of propagation indicates how much each corporation is affected by certain financial transaction data for a certain change in commercial flow. Note that the degree of propagation may be calculated in advance based on, for example, the ratio of the amount of funds for one legal transaction before the change occurs (the amount of one financial transaction relative to the total amount of the commercial flow) Alternatively, a value based on any other calculation method may be used.

  In S3040, the influence value is calculated from the influence degree and the propagation degree. Thereby, the change of the whole commercial flow can be estimated. Here, the method for calculating the influence value may be, for example, a product of the influence degree and the propagation degree, and may further add or multiply a predetermined coefficient to the value of the product.

  In S3050, the parameter is corrected based on the influence value. Here, the parameters in the present embodiment are financial transaction data and corporate information data between corporations forming the target commercial flow. First, financial transaction data is corrected, and corporate information data is based on the correction. May be modified. Here, the influence value has an individual value for each event (change in commercial flow) and for each transaction. Hereinafter, financial transaction data will be described. In the present embodiment, the influence value is expressed as a percentage. For example, when a change in a certain commercial flow (hereinafter referred to as a commercial flow change A) occurs, the transaction amount in a certain legal person (hereinafter referred to as a corporate transaction A) is 10 million yen, and the corporate transaction A corresponding to the commercial flow change A The impact value of the company transaction is 90%, the transaction amount of another legal person (hereinafter referred to as “corporate transaction B”) is 20 million yen, and the influence value of the commercial transaction B on the commercial transaction B is 80%. Assume. In such a case, when the commercial flow change A occurs, the transaction amount in the corporate transaction A changes to 10 million yen × 90% = 9 million yen, and the transaction amount in the corporate transaction B changes to 20 million yen × 80% = 16 million. It changes into a circle. Similarly, corporate information data also has individual values for each event (change in commercial flow) and for each transaction. The influence value may have a value of 100% or more, and in this case, the transaction amount increases when a commercial flow change occurs. Then, the corporate information data of the corporation is corrected based on the corrected financial transaction data. For example, when the corrected financial transaction data decreases, the corporate information data is corrected such that the sales of the corporate related to the corrected financial transaction data decrease. Furthermore, depending on the degree of sales decrease, the corporate information data of the corporation may include a warning (status) such as a bankruptcy crisis. On the contrary, when the sales increase, the status that the funding needs arise for the related corporation may be included. In addition, when one corporation is dealing with multiple corporations, there are multiple financial transaction data, so for each individual financial transaction data, the impact value is calculated and the impact on that single corporation ( The correction of the corporate information data) may be calculated based on the plurality of influence values.

  In S3060, the evaluation value of the target commercial flow is recalculated based on the parameter modified in S3050. Thereby, it is possible to calculate the evaluation value of the target commercial flow when a change in a certain commercial flow occurs. An example of a method for calculating the commercial flow evaluation value may be the same as that in FIG. 10d or S7010 to S7040.

  In S3070, the degree of contribution is corrected based on the influence value. The method for correcting the contribution may be obtained, for example, by multiplying the contribution by an influence value (by applying a predetermined coefficient if necessary). As another example, after calculating the [amount of money actually traded by a certain corporation] and [total amount of transactions in a commercial flow] after a certain commercial flow change, the same calculation may be performed in S8020. Good.

  In this embodiment, the process is executed as a separate process from S3050. However, the process may be executed in advance in the same process as S3050.

  In S3080, the evaluation value of the target corporation is recalculated. In this embodiment, based on the corrected evaluation value of the target commercial flow (see S3060), the corrected corporate information data (see S3050), and the corrected contribution degree of the target corporate in the target commercial flow (see S3070). Then recalculate the evaluation value of the target corporation. An example of the calculation method of the target corporation may be the same as in FIG. 10e or S8010 to S8030.

  In S3090, the estimation result is displayed or mapped. As shown in FIG. 9b, the estimated commercial flow may be overwritten on the mapping shown in FIG. 7a or 7b, or may be mapped in duplicate. Further, as shown in FIG. 9c, when overlapping mapping is performed, the color, shape, size, position, and the like of the arrow may be changed so that the overlap is understood.

  In FIGS. 9b and 9c, the final influence on the corporation A in two modes is shown as an example. The first is a mode when a change based on FIGS. The second is a mode when a change based on FIGS. 8b to 8d and the like occurs in the flow of funds between the corporation B and the corporation J. Thus, in the present embodiment, various changes can be captured visually. That is, in this embodiment, changes in the commercial flow can be captured.

  By using such information processing, it is possible not only to grasp the business flow, including the existence of other corporations that have direct transactions or other corporations that do not have direct transactions on the same commercial flow, but also changes in the commercial flow. You can guess. In the prior art, even if a direct change to the target corporation is detected, the response may be delayed even if the financial institution acts in response to the change, but by making the estimation shown in this example, It becomes possible to prevent such a delay.

  FIGS. 10a and 10b show display examples of corporate evaluations (individual company information, commercial flow, and commercial flow characteristics (positions)) according to an embodiment of the present invention. FIG. FIG. 10 b shows the change in the corporate evaluation when a change occurs in the entire commercial flow. The graphs as shown in FIGS. 10a and 10b can provide a visual overview of the evaluation of all corporations, which is useful when a salesperson at a financial institution considers lending or raising funds. It can be one piece of information. In this embodiment, a position is taken as an example as one of the characteristics of commercial flow. The characteristics of the commercial flow are data indicating the characteristics of the commercial flow, and include, for example, data indicating the uneven distribution of funds in the commercial flow. Commercial flow characteristics other than those described in this embodiment may be used.

  FIG. 10a is a graph showing the evaluation of each corporation in the entire commercial flow. For example, referring to FIG. 10a, the corporation A has an evaluation of individual company information of 80 points, an evaluation of the entire commercial flow of 80 points, and a position of 45%. Here, the individual company information is a value calculated based on a corporate evaluation (finance, rating, performance, etc.) recorded in the corporate information DB 237. The evaluation value of the entire commercial flow is a value calculated based on the corporate evaluation of each corporation constituting the commercial flow. The position is a value indicating the strength and influence of each corporation in the entire commercial flow. For example, the position may be calculated based on the transaction amount of each corporation with respect to the total transaction amount in the commercial flow. Within this, since two corporations are involved in one transaction), the total position value of each corporation may be 200%. Further, for example, the value of each position may be calculated (adjusted) so that the total value of the positions of each corporation becomes 100%. In addition, the method of calculating the value of the corporate evaluation, the evaluation value of the entire commercial flow, and the position may be arbitrary.

  FIG. 10B is a graph showing the corporate evaluation before the change in the commercial flow and the corporate evaluation after the change in the commercial flow. For example, it can be seen that the evaluation of the personal information of the corporation A was 80 points before the change in the commercial flow, but it was 85 points after the change in the commercial flow. Furthermore, the evaluation of the entire commercial flow to which the corporation A belongs is 80 points before the change to the commercial flow, but it is 90 points after the change of the commercial flow. Further, it can be seen that the position of the corporation A was 45% before the change of the commercial flow, but it was 40% after the change of the commercial flow. For example, even if the individual evaluation of corporation A, etc. has increased, if the individual evaluation of other corporations has increased significantly, the evaluation (position) in the entire commercial flow of corporation A will decrease. It shows that it will end.

  FIG. 10c shows a display example of commercial flows and corporations evaluated based on the flowcharts of FIGS. 10d and 10e. In FIG. 10c, the commercial flow evaluated in the flowchart of FIG. 10d is displayed, and in this embodiment, the commercial flow evaluation is 80 points. Further, the corporations evaluated in the flowchart of FIG. 10e are displayed. In this example, the evaluation of the target corporation A is 80 points, the position in the commercial flow is 40%, and “main” The position is displayed.

  A procedure for extracting similar commercial flows will be described. Here, description will be made with reference to the flowchart of FIG. 14A and the commercial flow of FIG. 10C.

  For example, in the commercial flow shown in FIG. 10c, the evaluation value of the commercial flow, the evaluation value of the corporation constituting the commercial flow, and the position in the commercial flow of the corporation are displayed as parameters. Here, an example of a method for determining a similar commercial flow using these parameters will be described.

  In S9010, the target commercial flow (arbitrary commercial flow) is selected. Here, it is assumed that the target commercial flow is stored in the commercial flow DB 236 together with the evaluation value of the target commercial flow. The commercial flow DB 236 stores a plurality of commercial flows, and the user selects an arbitrary commercial flow. In order to distinguish a plurality of commercial flows from each other, an identification number, a commercial flow name, or the like may be added to each commercial flow.

  In S9020, data regarding the selected target commercial flow is acquired from the commercial flow DB 236. The data acquired here is, for example, data as shown in FIG. 10c. The evaluation value of the commercial flow, the characteristics of the commercial flow, the number of legal entities constituting the commercial flow (for example, the number of main positions, The number of subordinate positions, the total number of subordinate positions), the evaluation value of each corporation, and the corporate information data such as the individual evaluation (individual company) of each corporation. These data are used to extract important legal entities. The method for extracting the corporation may be arbitrary, but in this embodiment, the corporation whose position is the main is extracted. This is because the corporation that is the main position is considered to be an important corporation in the commercial flow to which the corporation belongs. Note that there may be a plurality of corporations that are main positions, and in this case, S9030 and S9040 described later may be executed for the corporations of the respective main positions.

In S9030, using the extracted data regarding the important corporation, a corporation (similar corporation) similar to the extracted important corporation is searched. The method of searching for similar corporations may be arbitrary. For example, the extracted important corporation is compared with an arbitrary corporation, and the difference between the respective data (evaluation values, etc.) is calculated. Here, the arbitrary corporation includes not only the corporation shown in FIG. 10c but also all corporations recorded in the corporation information DB 237 or the like (however, a corporation that is the target of a similar corporation is at least one corporation) it is necessary that belongs to a different distribution channels.) then, based on each difference of the target quotient stream and optionally quotient flow, to calculate the overall difference between the target quotient stream and optionally quotient flow, total The corporation with the smallest difference may be determined to be a similar corporation. Another embodiment may be configured to select from the same type of business or the same size of the company stored in a predetermined database based on the type of business or the size related to the important corporation.

  In S9040, based on the processing result in S9030, a commercial flow (similar commercial flow) to which the similar corporate belongs is displayed (along with a similar corporate if necessary). Here, when a similar corporation belongs to a plurality of commercial flows, all the similar commercial flows may be displayed, or based on a predetermined standard (for example, a value with the closest evaluation value of the target commercial flow). , At least one similar commercial flow may be displayed.

  FIG. 14b shows a flowchart for inferring a change in the similar commercial flow using the similar commercial flow obtained in FIG. 14a.

  In S10010, one arbitrary commercial flow is selected from the similar commercial flows displayed in S9040 of FIG. 14A. And the evaluation value and characteristic of a similar commercial flow are acquired from a commercial flow database.

  In S10020, in order to infer a change in the similar commercial flow, information on the change in the target commercial flow (for example, the influence degree, the propagation degree, and the influence value in FIG. 9a) is acquired.

  In S10030, the evaluation value of the similar commercial flow is estimated (that is, recalculated) based on the information regarding the change of the target commercial flow, and the change amount of the evaluation value is obtained. Here, the method of estimating the evaluation value of the similar commercial flow may be the same as S9010-S9040.

  S10040 identifies which corporation (one or more corporations) in the similar commercial flow has changed due to the change in the evaluation value of the similar commercial flow estimated in S10030, and identifies the corporation belonging to the similar commercial flow. This process is executed when a change in the evaluation value is estimated. By S10040, based on the change actually generated in the target commercial flow or the change calculated by the simulation, it is possible to identify a corporation that is easily affected in the similar commercial flow, and further, the evaluation value of the identified legal entity The amount of change can be grasped. Here, the method of estimating the evaluation value of the corporation in the similar commercial flow may be the same as S3020-S3040.

  In the past, individual corporations were evaluated while comparing corporations extracted from the same industry and the same scale based on the experience of the person in charge of assessing the corporation. On the other hand, in the present embodiment, based on the evaluation value of the commercial flow, it becomes possible to compare similar commercial flows regardless of individual industries or the like. By comparing with a commercial flow with a high value, it becomes possible to examine how a commercial flow with a low evaluation value can raise the evaluation value. If the value of the commercial flow can be increased (the evaluation value of the commercial flow can be increased), as a result, the value of an individual corporation can be increased.

  FIG. 11 shows a schematic diagram of the MCIF collaboration system 110 for corporate evaluation in one embodiment of the present invention. Note that the same reference numerals as those in FIG. 2 in the embodiment indicate the same components, and thus the description thereof is omitted.

  The system of the present embodiment is another embodiment of the system shown in the first embodiment (particularly FIG. 2). The MCIF cooperative system means a system for jointly managing specific information (MCIF) by a plurality of financial institutions. Here, MCIF is an abbreviation for “Marketing Customer Information File” and means a customer information file for marketing. According to the present embodiment, by providing a shared server and sharing predetermined information, it becomes possible to automatically construct desired information by combining each other's information.

  The MCIF collaborative system of FIG. 11 includes a bank A computer system 200, a bank B computer system 300 (not shown), a bank C computer system (not shown), and a bank D computer system. (Not shown), an E-bank computer system (not shown), and a joint MCIF center 400, which are connected via a network 500.

  The MCIF center 400 includes a commercial flow server 410 and a corporate management server 420. The commercial flow server 410 and the corporate management server 420 may not be arranged in the joint MCIF center 400.

  The grouping unit 212, the corporate management unit 213, the commercial flow generation unit 214, the commercial flow estimation unit 215, the looping DB 234, the corporate management number DB 235, and the commercial flow DB 236 are not arranged in the computer system 200 as in the first embodiment. However, in the second embodiment, it is arranged in the joint MCIF center 400.

  In the second embodiment, although not shown, the computer system 300 of the bank B, the computer system of the bank C, the computer system of the bank D, and the computer system of the bank E are the computer system 200 of the bank A. May have the same internal configuration as

  The commercial flow server 410 includes a management server 411, a commercial flow generation unit 214, a commercial flow estimation unit 215, a bank A commercial flow DB 413, and a bank B commercial flow DB 423. As in the first embodiment, each DB may be arranged outside the computer system as long as the functions described in this embodiment can be achieved.

  The management server 411 of the commercial flow server 410 controls the commercial flow generation unit 214, the commercial flow estimation unit 215, the bank A commercial flow DB 413, and the bank B commercial flow DB 423. In another embodiment, a management server may be provided for each commercial distribution DB. In this case, the management server should be provided based on the number of financial institution computer systems connected to the MCIF cooperative system. The number of management servers may be determined.

  The corporate management server 420 includes a management server 421, a grouping unit 212, a grouping DB 234, a corporate management number DB 235, and a similar account search DB 238. Multiple financial accounts grouped by multiple financial institutions are regarded as one virtual corporate account, and a corporate management number is assigned to the grouped accounts and shared by multiple financial institutions. Thus, the number of financial accounts to be grouped can be increased through a plurality of financial institutions. Furthermore, if the number of financial accounts to be grouped can be increased, as a result, it is possible to improve the accuracy of prediction of changes in commercial flow.

  FIGS. 12a to 12c show a flowchart of the processing of the MCIF collaboration system (FIG. 11) in one embodiment of the present invention. In particular, FIG. 12a shows an example of processing for creating a commercial flow by the commercial flow server, FIG. 12b shows an example of processing for estimating the commercial flow by the commercial flow server, and FIG. 12c gives a corporate management number. An example of processing is shown.

  FIG. 12a shows an example of processing in which the commercial flow server 410 creates a commercial flow.

  In S4010, for example, the bank A transmits a signal requesting the commercial flow server 410 to create a commercial flow with the customer of the A bank as a target corporation (here, the target corporation A). Alternatively, even if there is no request from the bank A, the commercial flow server 410 may periodically update the commercial flow for each corporation at a predetermined interval.

  In S4020, the commercial distribution server 410 sends the financial transaction data included as the requester or the receiver of the corporate management number corresponding to the target corporation A to each financial institution in a format as shown in FIG. 5c, for example. Request to send.

  In S4030, the commercial distribution server 410 groups the financial transaction data acquired from each financial institution. Here, for grouping, for example, a method as shown in FIG. 4 may be used.

  In S4040, a commercial flow is created based on the commercial flow DB for each financial institution (such as the commercial flow DB 423 for bank B) and the financial transaction data grouped in S4030. In creating a commercial flow, for example, a technique as shown in FIG. 6 may be used.

  In S4050, the result (data) of the created commercial flow is transmitted to the requesting bank A.

  In S4060, the result of the commercial flow created in S4050 is updated to the commercial flow DB 413 for bank A.

  FIG. 12 b shows an example of processing in which the commercial flow server 410 estimates the commercial flow.

  In step S5010, the bank A transmits a signal requesting the merchandise distribution server 410 to infer the merchandise flow with the bank A customer as the target corporation (here, the target corporation A).

  In S5020, the commercial flow server 410 acquires weekly flow data of the target corporation A from the commercial flow DB 413 for A bank.

  In S5030, the commercial flow server 410 updates the commercial flow (recreates the latest commercial flow) based on the commercial flow DB for each financial institution (such as the commercial flow DB 423 for bank B) and financial transaction data. In creating a commercial flow, for example, a technique as shown in FIG. 6 may be used. Further, when using financial transaction data, the method described in S4020 and S4030 of FIG. 12a may be used.

  In S5040, a commercial flow is estimated based on the commercial flow data acquired in S5020 and the commercial flow data updated in S5030. In the estimation of the commercial flow, a method as shown in FIG. 9 may be used.

  In step S5050, the commercial flow estimation result (data) is transmitted to the requesting bank A.

  FIG. 12c shows an example of a process in which the corporate management server 420 assigns a corporate management number.

  In S6010, for example, it is assumed that bank A transmits a signal to the corporate management server 420 to give the corporate management number of the corporate A1.

  In S6020, the corporate management server 420 searches the corporate management number DB 235 to confirm whether there is a corporate management number corresponding to the corporate A1.

  In S6030, the corporation management server 420 searches the grouping DB 234 to check whether the corporation A1 is recorded in the grouping DB 234. If the corporation A1 is recorded in the grouping DB 234, the corporation management number DB 235 is searched, the corporation management number corresponding to the corporation A1 is acquired, and the corporation management number is transmitted to the bank A (see S6090). ). On the other hand, when the corporate management number cannot be acquired, the corporate management server 420 may update the grouping DB 234 and the corporate management number DB 235 and search for the corporate management number again as shown in S6040 and subsequent steps. If the corporate management number cannot be acquired, a signal indicating that the corporate management number is unknown may be transmitted to the requesting bank A as in S6080.

  In S6040, the corporate management server 420 acquires financial transaction data for each financial institution.

  In S6050, the corporate management server 420 performs grouping based on the financial transaction data acquired in S6040. Here, for grouping, for example, a method as shown in FIG. 4 may be used.

  In S6060, the grouping DB 234 is updated. Further, when a new corporate management number is added, the corporate management number DB 235 is updated.

  In S6070, the corporate management server 420 searches the grouping DB 234 again to check whether the corporate A1 is recorded in the grouping DB 234. If the corporation A1 is recorded in the grouping DB 234, the corporation management number DB 235 is searched, the corporation management number corresponding to the corporation A1 is acquired, and the corporation management number is transmitted to the bank A (see S6090). ). On the other hand, if the corporate management number cannot be acquired, a signal indicating that the corporate management number is unknown is transmitted to the requesting bank A (see S6080).

  FIG. 13a shows a commercial flow created when a computer system of a plurality of financial institutions cooperates in the MCIF collaborative system in one embodiment of the present invention, and FIG. 13b shows a map mapping the commercial flow. Show.

  The commercial flow shown in FIG. 7a is created based on financial transaction data between each account of Bank A and financial accounts (own bank and other banks). That is, a commercial flow is created based only on the financial transaction data of a corporate account (own bank and other banks) in which financial transactions have occurred with the computer system of bank A. On the other hand, since the commercial flow shown in FIG. 13a mutually uses financial transaction data of each financial institution using the MCIF cooperative system, it can be seen that the number of transactions included in the entire commercial flow is increasing. . In particular, bank A's accounts (account A, account B, and account C in this example) and bank E's account O and account P's financial transactions that do not have direct transactions also form part of the commercial flow of the target corporation A. To come. Further, in FIG. 7a, the mutual financial transactions between Bank B, Bank C, and Bank D did not form the commercial flow of the target corporation A. In FIG. 13a, Bank B, Bank C, Bank D Since the bank also provides the financial transaction data to the joint MCIF system, the financial transaction between the B bank, the C bank, and the D bank also forms a part of the commercial flow of the target corporation A. Increasing the number of financial transactions that make up a commercial flow (the number of arrows shown in FIGS. 7 and 13) increases the accuracy of estimating changes in the commercial flow, and makes it possible to evaluate the target corporation more appropriately. .

  According to the present embodiment, since information generated from customer transaction data of each financial institution in the joint MCIF system can be used in the mutual financial institution, any financial institution participating in the MCIF joint system can be used. Can be evaluated more appropriately.

  Although the embodiments of the present invention have been described above, various alternatives, modifications, and variations can be made by those skilled in the art based on the above description, and the present invention is not limited to the various embodiments described above without departing from the spirit of the present invention. It encompasses alternatives, modifications or variations. For example, the hardware configuration may be realized by software (program).

  The present invention can be used in various industries and technical fields other than those shown in the embodiments. For example, the present invention is an aspect of Fintech (Financial Technology), and can be incorporated into sales support systems of various financial institutions.

100: Network system, 110: MCIF collaborative system, 200: Computer system, 210: Internal server, 211: Control unit, 212: Grouping unit, 213: Corporate management unit, 214: Commercial flow generation unit, 215: Commercial flow Guessing unit, 216: Mapping unit, 217: External I / F, 218: Similar merchandise search unit, 220: Terminal, 230: In-bank DB, 231: Financial account DB, 232: Map DB, 233 Settlement information DB, 234: Grouping DB, 235: Corporate Management Number DB, 236: Commercial Distribution DB, 237: Corporate Information DB, 238: Similar Account Search DB, 300-302: Financial Transaction System, 310: Recipient, 320: Client, 330: Communication Item, 340: Account date, 350: Transaction amount, 411: Management server, 413: Commercial distribution server for B bank, 421: Administration Server, 423: B Bank for Commerce flow DB, 500: network

Claims (9)

In the commercial flow evaluation system,
Means for obtaining from a database corporate information data relating to financial transactions between corporations including virtual corporations and the information of the corporation itself;
Based on financial transaction data between the financial account of any target corporation and the financial account of an affiliated corporation that has direct or indirect transactions with the target corporation, and the corporation information data, Means for extracting;
Means for calculating an evaluation value of the target commercial flow based on the financial transaction data between the corporations forming the target commercial flow and the corporate information data;
Means for selecting an arbitrary corporation and an arbitrary commercial flow to which the arbitrary corporation belongs;
A comprehensive difference is calculated based on a difference between the evaluation value of the target commercial flow and the evaluation value of the arbitrary commercial flow, and a difference between the evaluation value of the target corporation and the evaluation value of the arbitrary corporation. A means for determining an arbitrary corporation with the smallest difference as a similar corporation, and further determining an arbitrary commercial flow to which the similar corporation belongs as a similar commercial flow;
A commercial flow evaluation system comprising: The commercial flow evaluation system according to claim 1, further comprising:
Means for calculating the evaluation value of the target corporation based on the evaluation value of the target commercial flow, the corporate information data regarding the target corporation and the related corporation, and the contribution of the target corporation in the target commercial flow;
A commercial flow evaluation system comprising: The commercial flow evaluation system according to claim 2, further comprising:
Changes in the corporate information data of the target corporation or the affiliated corporation, changes in the financial transaction data between the target corporation and the affiliated corporation, or changes in the financial transaction data between the affiliated corporations that have transactions with each other. Means for detecting
Means for calculating the degree of influence based on the change detected by the means for detecting;
Means for calculating the degree of propagation to each legal entity in the target commercial flow based on the change;
Means for calculating an influence value for estimating an influence on each corporation in the target commercial flow based on the influence degree and the propagation degree;
Means for correcting the financial transaction data between the corporations forming the target commercial flow and the corporate information data based on the influence value;
Means for recalculating the evaluation value of the target commercial flow based on the corrected financial transaction data and the corrected corporate information data;
Means for correcting the contribution of the target corporation in the target commercial flow based on the influence value;
Based on the corrected evaluation value of the target commercial flow, the corrected corporate information data, and the corrected contribution of the target corporate in the target commercial flow, the evaluation value of the target corporate is recalculated. Means to
A commercial flow evaluation system comprising: In the commercial flow evaluation system according to claim 3,
Means for selecting the similar commercial flow;
Means for obtaining an evaluation value and characteristics of the similar commercial flow;
Means for obtaining information about the change from the means for detecting;
Means for estimating a change in an evaluation value of the similar commercial flow based on the information on the change ;
The corporation that undergoes a change in the similar commercial flow and the change in the evaluation value of the legal entity, the evaluation value and characteristic of the target commercial flow, the evaluation value and characteristic of the similar commercial flow, and the change from the means for detecting Means for estimating based on a change in the estimated value in the estimated similar commercial flow,
A commercial flow evaluation system characterized by further comprising:   A plurality of financial accounts possessed by the target corporation or the related corporation are normalized based on financial transaction data, and the plurality of financial accounts are grouped based on the result of the normalization processing, thereby creating one virtual The system according to any one of claims 1 to 4, further comprising means for handling as a simple financial account.   6. The system according to claim 1, further comprising means for displaying the target commercial flow together with financial accounts of the target corporation and the related corporation.   The system according to claim 6, further comprising means for mapping the target commercial flow to a map together with geographical information of the target corporation or the related corporation. The corporate evaluation system has multiple computer systems, computer systems, and a collaborative system.
The collaborative system is
Means for obtaining external data on financial transactions between corporations and information on the corporation itself from an external database;
Based on financial transaction data between the financial account of any target corporation and the financial account of an affiliated corporation that has direct or indirect transactions with the target corporation and the external data, the corporation that forms the target commercial flow is extracted. Means to
Means for calculating an evaluation value of the target commercial flow based on the financial transaction data of the corporation extracted to form the target commercial flow and the external data;
Means for selecting an arbitrary corporation and an arbitrary commercial flow to which the arbitrary corporation belongs;
A comprehensive difference is calculated based on a difference between the evaluation value of the target commercial flow and the evaluation value of the arbitrary commercial flow, and a difference between the evaluation value of the target corporation and the evaluation value of the arbitrary corporation. A means for determining an arbitrary corporation with the smallest difference as a similar corporation, and further determining an arbitrary commercial flow to which the similar corporation belongs as a similar commercial flow;
A commercial flow evaluation system comprising: A program for commercial distribution evaluation system,
Means for obtaining external data on financial transactions between corporations and information on the corporation itself from an external database;
Based on financial transaction data between the financial account of any target corporation and the financial account of an affiliated corporation that has direct or indirect transactions with the target corporation and the external data, the corporation that forms the target commercial flow is extracted. Means to
Means for calculating an evaluation value of the target commercial flow based on the financial transaction data of the corporation extracted to form the target commercial flow and the external data;
Means for selecting an arbitrary corporation and an arbitrary commercial flow to which the arbitrary corporation belongs;
A comprehensive difference is calculated based on a difference between the evaluation value of the target commercial flow and the evaluation value of the arbitrary commercial flow, and a difference between the evaluation value of the target corporation and the evaluation value of the arbitrary corporation. As a means of determining the voluntary legal entity with the smallest difference in difference as a similar legal entity, and further determining that the voluntary commercial flow to which the similar legal entity belongs is similar.
A program to make the commercial flow evaluation system work .