JP6549349B2 - INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, AND PROGRAM - Google Patents

Description

  The present invention relates to an information processing apparatus, an information processing method, and a program.

In the past, contracts made between companies etc. were made in writing, but in recent years, with the progress of legislation such as the electronic signature law and the e-document law, electronic contracts are made by giving electronic signatures to electronic documents. Contracts are spreading.
In addition, the Electronic Record Bonds Act has been enacted and implemented for the purpose of facilitating fund raising by business operators. This has given the electronically recorded claims the required legal effect. From the paper bills used so far, it is expected that the spread of electronic bonds, which exchange and settle electronic information on a network, will promote paperless.

Unexamined-Japanese-Patent No. 2010-102429

In the prior art, since the electronic contract service and the electronic bond service were separately provided, the user using both services had to use each service separately, which took time and effort.
An object of the present invention is to improve the convenience of a user who uses an electronic contract service and an electronic bond service.

Therefore, the information processing apparatus according to the present invention exchanges electronic documents such as a quote, an order note, an order confirmation, an inspection note, a bill, etc. to which an electronic signature is added to a business entity and a business partner via a network. Electronic contract service providing means for executing processing relating to an electronic contract, and electronic account information relating to a credit obligation generated by a transaction between a business entity and a business partner via the electronic contract service by the electronic contract service provision means A bond service providing unit; and a bond purchase service providing unit that receives a request for purchasing an electronic bond based on the electronic bond information generated by the electronic bond service providing unit, the electronic contract service providing unit includes the electronic contract service providing unit. record the receivables and payables information generated by the contract in the recording area, the electronic Monetary service providing means, the Symbol record territory by the electronic contract service providing means If balances information is recorded on, it is determined that balances occurs, generates the electronic claims information based on the recorded assets and liabilities information, the receivables purchase service providing means, recorded on the recording area The settlement amount is determined based on the transaction history information between the business operator and the business partner, the threshold for the purchase request amount is determined based on the settlement amount, and the purchase request amount is less than the threshold If so, it is determined that credit is possible, and purchase processing is performed on the purchase request .

  According to the present invention, the convenience of the user who uses the electronic contract service and the electronic bond service can be improved.

FIG. 1 is a diagram illustrating an example of a system configuration. FIG. 2 is a diagram illustrating an example of a hardware configuration. FIG. 3 is a diagram illustrating an example of a functional configuration in the first embodiment. FIG. 4 is a diagram showing an example of an outline of a service in the first embodiment. FIG. 5 is a diagram showing an example of the electronic bond information. FIG. 6 is a flowchart illustrating an example of processing in the first embodiment. FIG. 7 is a diagram illustrating an example of a functional configuration in the second embodiment. FIG. 8 is a diagram showing an example of an outline of a service in the second embodiment. FIG. 9 is a diagram showing an example of tallying information of settlement amount in a transaction. FIG. 10 is a flowchart illustrating an example of processing in the second embodiment. FIG. 11 is a diagram illustrating an example of a functional configuration in the third embodiment. FIG. 12 is a diagram illustrating an example of an outline of a service in the third embodiment.

  Hereinafter, embodiments of the present invention will be described based on the drawings.

First Embodiment
FIG. 1 is a diagram showing an example of a system configuration of a system according to the present embodiment.
In the system according to the present embodiment, the service owner company device 101 of the service owner company (operator), the correspondent company device 102 of the correspondent company, the correspondent bank device 103 of the correspondent bank, the business partner bank The business partner bank apparatus 104 and the electronic debt recording agency apparatus 105 of the electronic debt recording agency are mutually connected via the network 106. In addition, as an example of the electronic bond recording organization mentioned here, there is “Dansai Net (registered trademark)”.
The service owner / company apparatus 101, the correspondent company apparatus 102, the correspondent company affiliated bank apparatus 103, the business associate business bank apparatus 104, and the electronic bond recording institution apparatus 105 are an example of the information processing apparatus.
Here, the service owner company is company A, and the partner bank of company A is bank A. Also, let the correspondent companies of company A be company B and company C, and the correspondents of company B and company C be bank B and bank C, respectively. It is assumed that company B and company C are not affiliated with bank A. Also, the number of correspondent companies and correspondent bank do not have to be limited to this.
Information processing apparatuses in companies B and C are referred to as a correspondent company apparatus 102b and a correspondent company apparatus 102c, respectively, and when collectively referred to as a correspondent company apparatus 102. Further, the information processing apparatuses in the banks B and C are referred to as a correspondent bank apparatus 103b and a correspondent bank apparatus 103c, respectively.

  The service owner / company apparatus 101 and the correspondent company apparatus 102 exchange data for ordering and receiving via the electronic contract service provided by the business partner bank apparatus 104. Here, the electronic contract service means, for example, a service that can realize a series of paperless contract procedures by exchanging an electronic document, to which an electronic signature is added, with the orderer and the orderer on the network. is there. That is, in the present embodiment, the service owner-company apparatus 101 on the orderer side and the correspondent company apparatus 102 on the order-acceptor side exchange data in order placement / order etc via the electronic contract service.

The business partner bank apparatus 104 provides the electronic contract service described above, and provides the electronic credit service in cooperation with the electronic credit recording agency apparatus 105. Here, the electronic bond service is a service that can use electronic bond, which is electronic data as a monetary bond, instead of a bill or the like. The business partner tie-up banking apparatus 104 generates electronic bond information based on the bond and debt information (receivable payable and payable information) generated by the transaction between the recipient and the orderer via the electronic contract service. Then, the business partner alliance bank apparatus 104 transmits an electronic bond information request and an electronic bond occurrence record request (hereinafter referred to as a bond generation record request) to the electronic bond recording institution apparatus 105.
The electronic debt recording agency device 105 records an electronic credit based on the electronic credit information generated by the business partner bank device 104 in response to the claim for occurrence of a recording of a bond received from the business partner bank device 104. Furthermore, the electronic debt recording agency device 105 sends a notification of occurrence record of electronic bond (hereinafter referred to as “debt occurrence record notification”) to a customer company device of a creditor via a partner company bank device 103 of a customer bank of the creditor. Send to 102.
Note that the electronic bond recording agency device 105 may transmit a notification of bond occurrence record to the correspondent company device 102 of the creditor via the business partner bank device 104 or may be transmitted from both sides. Good.
For example, in FIG. 1, when the data in order placement / order exchange via the electronic contract service is performed between the service owner enterprise device 101 and the correspondent enterprise device 102b, the electronic debt recording agency device 105 records the bond occurrence record The notification is transmitted to the correspondent company apparatus 102b via the correspondent company tie-up banking apparatus 103b. It should be noted that the electronic bond recording organization apparatus 105 may transmit a bond generation recording notification to the correspondent company apparatus 102b via the business associate bank apparatus 104, or may transmit from both sides.

FIG. 2 is a diagram showing an example of a hardware configuration of the business partner bank apparatus 104. As shown in FIG.
The business partner alliance bank apparatus 104 includes a central processing unit (CPU) 201, a random access memory (RAM) 202, a read only memory (ROM) 203, a hard disk (HD) 204, an input device 205, a display device 206, and an interface device 207. And a recording medium drive device 208.
The CPU 201 reads a program from the HD 204, stores the program in the RAM 202, and executes the program to realize the processing according to the functional configuration and flowchart of the business partner bank apparatus 104 described later.
The RAM 202 is a main memory of the business partner bank apparatus 104.
The ROM 203 stores a program or the like read first when the business partner bank apparatus 104 is powered on.
The HD 204 stores various data including various programs and data such as threshold values required for processing executed by the CPU 201. The HD 204 is an example of a recording area.

The input device 205 includes a keyboard and a mouse operated by a manager of the business partner bank apparatus 104, and is used to input various operation information and the like to the business partner bank apparatus 104.
The display device 206 is configured by a display or the like used by a manager of the business partner bank apparatus 104, and is used to display various information or screens.
The interface device 207 is an interface for connecting the business partner alliance bank device 104 to a network or the like.
The program of the business partner bank device 104 is provided to the business partner bank device 104 by a recording medium 209 such as a CD-ROM, for example, or downloaded through a network or the like. The recording medium 209 is set in the recording medium drive device 208, and the program is installed from the recording medium 209 to the HD 204 via the recording medium drive device 208.
The hardware configurations of the service owner enterprise device 101, the customer enterprise device 102, the customer enterprise tie-up banking device 103, and the electronic bond recording agency device 105 in this embodiment are the same as the hardware configuration shown in FIG. It shall be composition. That is, each device described above realizes a function of each device by reading a program from the HD 204 of each device, storing it in the RAM 202 of each device, and executing the program.

FIG. 3 is a diagram showing an example of a functional configuration of the business partner bank apparatus 104 in the present embodiment.
The electronic contract service providing unit 301 provides the electronic contract service described above. More specifically, the electronic contract service providing unit 301 includes estimate document information, order document information, order confirmation information, inspection document information, and the like in the electronic contract between the service owner corporate apparatus 101 and the correspondent corporate apparatus 102. Invoice information and the like are generated, registered in an IB (Internet Banking) database 303, and managed. Here, the IB database 303 is recorded, for example, on the HD 204 or the like.
The electronic bond service providing unit 302 provides the above-described electronic bond service. More specifically, the electronic bond service providing unit 302 generates electronic bond information based on the bond information related to the bond acquired from the bill information registered in the IB database 303, and the electronic bond recording organization Send a claim record record request to the device 105. As described above, when the bill information and the like are registered in the IB database 303, the electronic bond service providing unit 302 generates electronic bond information. At this time, the electronic bond service providing unit 302 may periodically monitor the IB database 303, or may receive a request for generating electronic bond information from the electronic contract service providing unit 301.

FIG. 4 is a diagram showing an example of an outline of a service in the present embodiment.
Here, a case where a transaction by an electronic contract is performed between a company A which is a service owner company and a company B which is a correspondent company, and the conclusion of the contract regarding the use of the electronic contract is completed will be described as an example.
First, the business partner alliance bank apparatus 104 receives basic information of the company A and the company B together with the application for the service in the present embodiment from the service owner company apparatus 101 and registers it in the IB database 303 in advance. The basic information mentioned here includes company information, settlement account information, user number information of the electronic bond service assigned by the electronic bond recording organization, and transaction history information of the details regarding transactions between companies. Also, at this time, a separate deposit account of the company B which has no business with the bank A is opened in the bank A by an application from the company A which is a service owner company.
The electronic contract service providing unit 301 generates estimate document information, order document information, order confirmation information, inspection document information, bill information and the like in an electronic contract between the service owner company apparatus 101 and the correspondent company apparatus 102b. Are registered in the IB database 303.

The electronic bond service providing unit 302 is registered in advance in the IB database 303 with the credit and liability information related to the credit and debt generated between the company A and the company B acquired from the invoice information etc. registered in the IB database 303. Generate electronic bond information from the basic information For example, the electronic bond service providing unit 302 generates electronic bond information as shown in FIG. FIG. 5 is a diagram showing an example of the electronic bond information. Here, when the bill information etc. generated by the electronic contract service providing unit 301 and registered in the IB database 303 includes the basic information, the electronic bond service providing unit 302 uses the basic information to generate the electronic information. Debt information may be generated. In this manner, the business partner bank device 104 can link the electronic contract service and the electronic bond service.
The electronic bond service providing unit 302 transmits a bond generation recording request 401 to the electronic bond recording agency device 105 together with the generated electronic bond information.
The electronic contract service providing unit 301 and the electronic bond service providing unit 302 may be configured as hardware.

The electronic bond recording organization device 105 records electronic bond based on the electronic bond information received together with the bond occurrence recording request 401. Here, the electronic debt recording agency device 105 assigns a record number to the electronic credit and records it. Then, the electronic debt recording agency device 105 transmits a bond occurrence recording notification 402 to the correspondent company device 102b via the correspondent company affiliated bank device 103b. It should be noted that the electronic bond recording organization apparatus 105 may transmit a bond generation recording notification to the correspondent company apparatus 102b via the business associate bank apparatus 104, or may transmit from both sides.
The correspondent corporate apparatus 102b receives a notification from the correspondent corporate alliance banking apparatus 103b that the electronic bond has been generated.
Further, the electronic bond recording organization apparatus 105 performs a payment process according to the payment account information, the bond amount information, the payment date information, the payment method information, etc. indicated by the recorded electronic bond. More specifically, the electronic debt recording agency device 105 notifies the business partner bank device 104 to process the payment to the bank B which is the correspondent bank of the company B. The electronic debt recording agency device 105 may notify the “different deposit” account of the company B opened at the bank A, which is a business partner bank, to process the payment.
As described above, according to the service provided in the present embodiment, settlement that does not require a bill or the like is realized, and it is possible to make the service owner company and the correspondent company more efficient and reduce the cost of paperwork.

FIG. 6 is a flowchart showing an example of processing of the business partner bank apparatus 104 in the present embodiment.
As described above, as a premise of the process of FIG. 6, the business partner bank apparatus 104 receives basic information from the service owner / company apparatus 101 together with a service application and registers it in the IB database 303 in advance.
In step S601, the electronic contract service providing unit 301 executes electronic contract processing in the electronic contract service. More specifically, the electronic contract service providing unit 301 generates estimate document information, order document information, order confirmation information, inspection document information, bill information, etc. in transactions between companies via the electronic contract service. It is registered in the IB database 303.

In step S602, the electronic bond service providing unit 302 determines whether or not the debt is generated. If it is determined that the bond is generated, the process proceeds to step S603. If it is determined that the bond is not generated, the process returns to step S601. . More specifically, if the bill information is newly registered in the IB database 303, the electronic bond service providing unit 302 determines that a bond is generated. In addition, when the electronic bond service providing unit 302 receives a notification from the electronic contract service providing unit 301 that a bond or debt has occurred, the electronic bond service provision unit 302 may determine that a bond or debt is generated.
In step S603, the electronic bond service providing unit 302 generates electronic bond information from the bond information acquired from the bill information registered in the IB database 303 and the basic information registered in the IB database 303 in advance. When basic information is included in the bill information etc., the electronic bond service providing unit 302 may generate electronic bond information using the basic information.
In step S604, the electronic bond service providing unit 302 transmits a bond generation recording request to the electronic bond recording agency device 105 together with the electronic bond information, and ends the processing of FIG.

  As described above, according to the present embodiment, the business partner alliance banking apparatus 104 can link the electronic contract service and the electronic bond service. Thereby, the convenience of the user using the electronic contract service and the electronic bond service can be improved. In addition, in the service owner company and the business partner company, the cost reduction of the stamp cost and the stamp cost applied to the bill etc. in the transaction, the work efficiency improvement by paperless, etc. are realized.

Second Embodiment
The business partner bank apparatus 104 in this embodiment provides a purchase service of electronic bonds generated in the service described in the first embodiment.
FIG. 7 is a diagram showing an example of a functional configuration of the business partner bank apparatus 104 in the present embodiment.
The electronic contract service providing unit 301, the electronic bond service providing unit 302, and the IB database 303 are the same as those in FIG. Further, as described above, it is assumed that basic information including invoice information in an electronic contract, transaction history information between companies, and the like are registered in the IB database 303 in advance.
The bond purchase service providing unit 701 receives a bond purchase request from the correspondent company device 102 of the correspondent company that is the creditor, and determines whether credit is possible. More specifically, the credit purchase service providing unit 701 determines the credit by comparing the purchase request amount information with a predetermined threshold based on the transaction history information registered in the IB database 303. . That is, if the purchase request amount is less than the threshold value, the bond purchase service provision unit 701 determines that crediting is possible, and executes the purchase process.

FIG. 8 is a diagram showing an example of an outline of a service in the present embodiment.
Here, a case where a transaction by an electronic contract is performed between a company A which is a service owner company and a company B which is a correspondent company, and the conclusion of the contract regarding the use of the electronic contract is completed will be described as an example. Moreover, description is abbreviate | omitted about the same point as FIG.
First, as described in FIG. 4, the business partner alliance banking apparatus 104 receives basic information and the like from the service owner / company apparatus 101 as well as the service and registers it in the IB database 303. However, in the case of this embodiment, the settlement account information of the company B included in the basic information is not the account information of the bank B as shown in FIG. 5 but the account information of another bank account opened in the bank A. . That is, the business partner alliance banking apparatus 104 provides an electronic bond purchasing service to the correspondent corporation apparatus 102 b of the corporation B which is not a partner company of the bank A.
When the obligee purchase service providing unit 701 receives a request for acquiring screen information from the correspondent company device 102b for accepting the claim for purchase of the obligee, the obligee purchase service providing unit 701 transmits the screen information to the correspondent company device 102b. The screen information referred to here may be, for example, information for displaying a home page screen, or may be configuration information of a screen necessary for displaying the screen.
When the debt purchase service provision unit 701 receives a debt purchase request via the acceptance screen of the correspondent company device 102b, the debt purchase service provision unit 701 determines whether credit is possible. Details of the credit determination performed by the bond purchase service providing unit 701 will be described later with reference to FIG.

FIG. 9 is a diagram showing an example of tallying information of settlement amounts in transactions between companies.
The bond purchase service providing unit 701 calculates, for example, a settlement amount as shown in FIG. 9 based on the transaction history information and the like between the companies registered in the IB database 303. More specifically, the debt purchase service providing unit 701 calculates the settlement amount for each month, quarter, half, and year with respect to the current year and the previous year, and further calculates the difference between this year and the previous year. . Further, the bond purchase service providing unit 701 may calculate the increase and decrease of the current year and the previous year, and may further calculate the moving average thereof.
The debt purchase service providing unit 701 sets a threshold for the purchase request amount based on the settlement amount calculated as described above. Here, the debt purchase service providing unit 701 measures 10% of "12 parts of the annual purchase amount of the current year" and 10% of "average purchase amount of the current year and the previous year". The lower of the amount shall be set as the threshold. That is, the debt purchase service providing unit 701 sets 2.83 million yen (rounded down for less than 10,000 yen) as the threshold value. Therefore, in this case, if the purchase request amount is less than 2.83 million yen, the debt purchase service providing unit 701 determines that credit is possible, and executes the purchase process.

The bond purchase service providing unit 701 may set the threshold by another setting method without limiting to the above-described setting method of the threshold. Further, the bond purchase service providing unit 701 may set the threshold value based on other information included in the transaction history information instead of the settlement amount. That is, the manager or the like of the bank A inputs in advance the setting method of the threshold value via the input device 205 of the business partner bank apparatus 104. Then, the bond purchase service providing unit 701 sets a threshold for the purchase charge from the transaction history information and the like based on a predetermined setting method.
As a result, the business partner bank apparatus 104 determines the credit for the claim from the company B which is not affiliated with the bank A based on the transaction history information in the transaction between the company A and the company B. Can. That is, the business partner tie-up bank apparatus 104 can make an appropriate credit judgment with respect to a claim for buying a bond from the correspondent corporate apparatus 102 b of the company B that is not in a tie-up with the bank A.

FIG. 10 is a flowchart showing an example of processing in the present embodiment.
Here, a case where a transaction by an electronic contract is performed between a company A which is a service owner company and a company B which is a correspondent company, and the conclusion of the contract regarding the use of the electronic contract is completed will be described as an example.
In step S100, the bond purchasing service providing unit 701 determines whether an acquisition request for screen information to receive a bond purchasing request has been received from the correspondent company apparatus 102b. If it is determined that the request has been received, the process advances to step S101. On the other hand, if it is determined that the bond purchase service providing unit 701 has not received the screen information acquisition request for receiving the bond purchase request, the bond purchase service providing unit 701 executes the process of S100 again.
In S101, the bond purchasing service providing unit 701 transmits, to the correspondent company apparatus 102b, screen information for receiving a bond purchasing request.

In step S102, the bond purchase service providing unit 701 determines whether or not the bond purchase request has been received via the reception screen of the correspondent company device 102b. If it is determined that the bond purchase request has been received, the process proceeds to step S103 and is not received If it is determined, the process of FIG. 10 is ended. More specifically, the bond purchase service providing unit 701 determines whether the user number information and the record number information of the electronic bond described above as the bond purchase request have been received.
If it is determined in S103 that the credit purchase service provision unit 701 is creditable or not with respect to the credit purchase request, and if it is determined that credit is possible, the process proceeds to S104 and if it is determined that credit is not possible, FIG. End the process. The details of the credit determination process by the bond purchase service providing unit 701 have been described above, and thus the description thereof is omitted.
In S104, the bond purchase service providing unit 701 executes purchase processing of the electronic bond. More specifically, the bond purchase service providing unit 701 instructs the deposit apparatus or the like in the bank A to deposit money to the separate deposit account of the company B opened in the bank A.

  As described above, according to the present embodiment, the business partner alliance banking apparatus 104 can appropriately determine the credit with respect to a debt purchase request from a company that is not affiliated with the bank A. As a result, even companies that are not affiliated with bank A can receive electronic debt from bank A at a more favorable amount based on the credit of company A.

Embodiment 3
The business partner tie-up banking apparatus 104 in this embodiment manages the payment status etc. regarding the debt (trade payables) of the company A who is the obligor of the debts and payables generated in the service described in the first and second embodiments, and the management information A payable account information return service for providing (returning) (management result) to the service owner enterprise device 101 is provided.
FIG. 11 is a diagram showing an example of a functional configuration of the business partner bank apparatus 104 in the present embodiment.
The electronic contract service providing unit 301, the electronic bond service providing unit 302, the IB database 303, and the bond purchase service providing unit 701 are the same as those in FIG.
The payable account information reduction service providing unit 1101 manages, as management information, the payment status for the debt of the company A indicated by the debt / ordinance information acquired from the bill information registered in the IB database 303. That is, the payable account information return service providing unit 1101 manages, as management information, the payment status for the payables of the company A generated in the transaction via the electronic contract service. Further, the payable account information reduction service providing unit 1101 transmits the management information to the service owner enterprise device 101.

FIG. 12 is a diagram showing an example of an outline of a service in the present embodiment.
Here, a case where a transaction by an electronic contract is performed between a company A which is a service owner company and a company B which is a correspondent company, and the conclusion of the contract regarding the use of the electronic contract is completed will be described as an example. Moreover, description is abbreviate | omitted about the point similar to FIG. 4, FIG.
As described above, the payable account information return service providing unit 1101 manages, as management information, the payment status for the debt of the company A based on the debt / credit information. At this time, the payable account information return service providing unit 1101 generates and manages the management information in a format according to predetermined settings such as by client company, by payment date, by amount, by purpose, etc. May be The accounts payable information reduction service providing unit 1101 transmits the management information generated and managed as described above to the service owner enterprise device 101. The accounts payable information reduction service providing unit 1101 may periodically transmit the management information to the service owner corporate device 101, or transmit the management information in response to an acquisition request from the service owner corporate device 101. You may do so.

  As described above, according to the present embodiment, the business partner alliance banking apparatus 104 can manage the payment status for the debt of the company A, which is a service owner company, as management information, and can provide the service owner enterprise apparatus 101 with the management information. This enables the company A to centrally manage, in a desired form, the payment status for debts in transactions exchanged with a plurality of correspondent companies via the electronic contract service. In addition, since Bank A can collect and manage the payment status for debt generated in Company A before the occurrence of debt thereafter, it is possible to more accurately grasp the business status of Company A. Can.

<Other Embodiments>
The present embodiment is also realized by executing the following processing. That is, software (program) for realizing the functions of the above-described embodiments is supplied to a system or apparatus via a network or various recording media, and a computer (or CPU or MPU or the like) of the system or apparatus reads the program. It is a process to execute.

As described above, according to each embodiment described above, the business partner alliance banking apparatus 104 can link the electronic contract service and the electronic bond service. As a result, cost reduction in transactions between companies and improvement in business efficiency can be realized.
Further, the business partner alliance banking apparatus 104 can provide a debt buying service to a company having no transaction with the bank A by linking the electronic contract service and the electronic bond service. This makes it possible for companies that do not have a transaction with Bank A to receive funding in an advantageous amount before the due date. On the other hand, Bank A will be able to acquire new financing destinations and concentrate settlement funds within its own bank.
Furthermore, the business partner bank apparatus 104 can manage and return the payment status of the service owner company of the partner as management information. This enables service owner companies to centrally manage the payment status for their debts. Further, the bank A can more accurately grasp the business condition of the company A.
As described above, the business partner alliance banking apparatus 104 can improve the convenience of the user who uses the electronic contract service and the electronic bond service.

  As mentioned above, although the preferable form of this invention was explained in full detail, this embodiment is not limited to the specific embodiment which concerns, A various deformation | transformation is carried out within the range of the summary of this invention described in the claim.・ Change is possible.

101 Service Owner-Corporate Equipment, 102 Customer-Corporate Equipment, 103 Customer-Corporate Bank Equipment, 104 Business-Corporate Banking Equipment, 105 Electronic Debt Recorder

Claims (5)

An electronic contract that executes processing related to an electronic contract in which a business operator and a business partner exchange electronic documents such as a quote, an order form, an order confirmation, an inspection note, a bill, etc. to which an electronic signature is added via a network. Service providing means;
Electronic bond service providing means for managing electronic bond information related to bonds and debts generated by transactions between a business and a business partner via the electronic contract service by the electronic contract service providing means;
A debt purchase service providing means for receiving a purchase request for electronic debt based on the electronic debt information generated by the electronic debt service providing means;
Have
The electronic contract service providing means records, in a recording area, the information on the receivables and payables generated by the electronic contract.
The electronic creditor service providing means, when said balances information to the Symbol recording area by the electronic contract service providing means has been recorded, it is determined that balances occurs, the electronic based on the recorded assets and liabilities information Generate bond information ,
The bond purchase service providing means obtains a settlement amount based on transaction history information between the business and the business partners recorded in the recording area, and a threshold for the purchase charge based on the settlement amount. An information processing apparatus that determines and determines that credit is possible if the amount related to the purchase request is less than the threshold, and executes the purchase process for the purchase request . The bond purchasing service providing means provides screen information relating to the display of a reception screen for receiving the purchase request in response to an acquisition request from the information processing apparatus of the supplier, and the reception screen of the information processing apparatus of the supplier is through by the information processing apparatus according to claim 1 wherein the credit determined for the appraisal accepted. The balances information the managing payment condition according to accounts payable operators showing, managing the results to further have a payable information reducing service providing means for providing the information processing apparatus of the operators claim 1 or 2, wherein Information processing equipment. An information processing method executed by the information processing apparatus;
An electronic contract that executes processing related to an electronic contract in which a business operator and a business partner exchange electronic documents such as a quote, an order form, an order confirmation, an inspection note, a bill, etc. to which an electronic signature is added via a network. Service provision process,
An electronic bond service providing step of managing electronic bond information relating to bonds and debts generated by transactions between a business and a business partner through the electronic contract service by the electronic contract service providing step;
A debt-purchase service providing step of accepting a request for purchasing an electronic debt based on the electronic debt information generated in the electronic debt service providing step;
Including
In the electronic contract service providing step, information on the debts and liabilities generated by the electronic contract is recorded in a recording area,
In the electronic bond service providing process, when the bond information is recorded in the recording area by the electronic contract service providing process, it is determined that a bond is generated, and the electronic bond is determined based on the recorded bond information. Generate information,
In the bond purchasing service providing step, a settlement amount is obtained based on transaction history information between the business and the business partners recorded in the recording area, and a threshold for the purchase amount is calculated based on the settlement amount. The information processing method which determines and determines that credit is possible if it determines and the amount which concerns on the said purchasing request is less than the said threshold value, and performs the purchasing process with respect to the said purchasing request. On the computer
An electronic contract that executes processing related to an electronic contract in which a business operator and a business partner exchange electronic documents such as a quote, an order form, an order confirmation, an inspection note, a bill, etc. to which an electronic signature is added via a network. Service provision step,
An electronic bond service providing step of managing electronic bond information relating to bonds and debts generated by transactions between a business and a business partner via the electronic contract service by the electronic contract service providing step;
A debt-purchase service providing step of accepting a request for purchasing an electronic credit based on the electronic credit information generated at the electronic credit service providing step;
To run
In the electronic contract service providing step, information on the debts and liabilities generated by the electronic contract is recorded in a recording area,
In the electronic bond service providing step, when the bond information is recorded in the recording area by the electronic contract service providing step, it is determined that a bond is generated, and the electronic bond is determined based on the recorded bond and debt information Generate information,
In the bond purchasing service providing step, a settlement amount is determined based on transaction history information between the business and the business partners recorded in the recording area, and a threshold for the purchase amount is calculated based on the settlement amount. The program which determines and determines that credit is possible if the amount which concerns on the said purchase request is less than the said threshold, and performs a purchase process with respect to the said purchase request.

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