TW201203157A - Trade credit information management device and method - Google Patents

Abstract

The disclosed trade credit information management device provides technology for a product sales merchant who is unable to perform sufficient credit exposure management to support management of trade credit information that is to be implemented by the merchant. At a trade credit information management device (400) comprising an acquisition means of package carrier information from a shipper company to a consignee company are executed processing for receiving a setting of a credit limit amount from a shipper company to a consignee company, processing for storing a fee for a package purchased on credit dispatched from the shipper company, processing for calculating the total of fees for packages previously purchased on credit as the amount purchased on credit when a package is dispatched to the consignee company from the shipper company, and processing for sending a notification of a predetermined alert for the shipper company when the amount purchased on credit exceeds the credit limit amount.

Description

201203157 VI. Description of the Invention: [Technical Field of the Invention] The present invention relates to the operation of a counterparty, that is, a purchaser, by the distribution performance information of goods as commodities when the commodity seller and the purchaser make a purchase and sale transaction. State-related information, technology for processing and management as transaction credit information. [Prior Art] A commercial transaction system that uses a communication network such as the Internet, in addition to the form in which the final consumer purchases the product directly from the commodity dealer through the electronic mall or the like. It is also carried out in an inter-company transaction in which a product that is sold face-to-face to the final consumer (secondary store) is purchased from an operator (primary store) that belongs to the source of the product. The commercial transaction has the advantage of being able to achieve intermediate cost reduction or rapid product distribution by directly transacting with the product provider. In addition, the distribution company responsible for the distribution of goods in the commercial transaction using the communication network is provided from the commodity. The information from the time when the goods collection instruction is issued to the time when the delivery goods are delivered to the customer is sequentially input to the computer as the distribution information for management (see, for example, Patent Document 1 '2). [PRIOR ART DOCUMENT] [Patent Document 1] JP-A-2002-216037 (Patent Document 2) JP-A-2002-002913A No. 201203157 SUMMARY OF THE INVENTION (Problems to be Solved by the Invention) In the case of transactions, credit sales/purchasing is more common than cash transactions. At this time, the merchandise dealers set a credit limit that is a good indicator of how much the merchandise purchaser sells the merchandise. If the merchandise is sold within the credit limit, it is necessary to actually collect the receivables. Among the commodity sellers, there is a situation in which full credit management cannot be carried out. For example, if a commodity seller is a small and medium-sized enterprise, there may be cases where the management of the company is insufficient due to insufficient manpower or lack of proper candidates. In addition, the merchandiser cannot confirm the results of the information about the merchandisers, and there may be cases where the appropriate credit limit cannot be set. In particular, in commercial transactions using communication networks, the counterparties of the counterparty are mostly far apart, so there are many cases in which the other party can rely on the unknown or the inability to obtain sufficient information for the credit transaction. There are also commissioned credit investigation companies to provide information on the counterparty, but if the size of the commodity transaction is not so large, the resulting expenses will increase greatly. If the other party is an SME, most of the credit investigation companies do not accumulate information about the business. . Insufficient credit information of the counterparty' If the other party who continues to trade the product has a sudden decline in performance due to changes in the economy, etc., it is likely that the situation of the opportunity to collect the receivables is lost.

In S-6-201203157, it is the current situation that a commodity seller must bear a certain degree of risk compared with a case where a commercial transaction is conducted by an intermediary such as a vending shop. The present invention is based on the above-mentioned problems of the prior art, and the object thereof is to provide a transaction for starting with a partner or for failing to carry out full credit management or being unable to grasp the information of the counterparty due to the small size of the enterprise. A commodity seller who continues to trade a problem that is uncomfortable, and supports the technology of credit management and transaction credit information that should be implemented by the industry. (Means for Solving the Problem) In order to solve the above-described problems, the transaction credit information management device according to an aspect of the present invention is a merchandise dealer (hereinafter referred to as "shipping company") that delivers goods in accordance with an order, and receives the goods. The orderer is a device for processing the transaction credit information of the aforementioned receiving company when the commodity purchaser (hereinafter referred to as "receipt company") is used as a commodity trading transaction, and is characterized in that it has a credit memory unit, and the memory is The credit line set by the shipping company to the receiving company; the credit information storage department, which is the goods received by the aforementioned shipping company by the receiving company, and the goods are shipped by the receiving company. The sales amount of the credited goods paid by the company; the sales amount calculation department's when the goods are sent by the aforementioned shipping company to the receiving company, refer to the aforementioned credit information memory department to calculate the surplus goods before the time point. The total amount of the goods is used as the credit amount; and the alarm notification department, when the aforementioned credit amount exceeds the aforementioned credit limit, the aforementioned shipping company Known pre-set alarms. 201203157 In the transaction credit information management apparatus configured as described above, the credit information update unit is provided, and when the payment for the sale of the goods has been paid to the delivery company, the information related to the credited goods stored in the credit information storage unit is excluded. . Further, the present invention includes: a statistical information acquisition unit that acquires information on the performance of the delivery of the goods by the delivery company by the goods distribution company, and is statistical information derived by predetermined statistical processing of the delivery performance; And the statistical information providing unit that provides the statistical information to the shipping company to support the setting of the credit line of the receiving company by the shipping company. , which is obtained from the outside by using the business related information such as the business status or capital status of the receiving company as the company information; the review department derives the transaction with the aforementioned receiving company by predetermined statistical processing of the company information. The credit information; and the credit information providing department' provide the aforementioned credit information to the aforementioned shipping company or externally. Further, when the credit information includes content that is supposed to adversely affect the payment of the goods for which the goods are sold by the receiving company, the notification notification unit is a function of notifying the delivery company of the predetermined alarm. There is a judgment department' when the credit information includes content that is supposed to adversely affect the payment of the goods for the goods sold by the receiving company, 'determining the credit amount and at least being set to be less than the credit amount. The size of the threshold is such that when the aforementioned credit amount exceeds the aforementioned threshold, the notification unit notifies the delivery company of the predetermined report.

S-8-201203157 The alarm notification department has an external device for managing the delivery of goods in the distribution company, and transmits a function for stopping the delivery of the goods to the receiving company. Another aspect of the present invention is a method for processing transaction credit information. method. The method uses a device for processing the transaction credit information of the receiving company when the delivery company that sends the goods according to the order, and the ordering party that receives the goods, that is, the receiving company, handles the transaction credit information, and processes the transaction credit information. The method of the present invention is characterized in that the apparatus is configured to perform the following steps: the step of accepting the setting of the credit line of the receiving company by the shipping company; and the step of collecting the payment of the credited goods sent by the shipping company When the above-mentioned delivery company sends the goods to the aforementioned receiving company, the total amount of the goods sold at the point in time is calculated as the credit amount; and when the aforementioned credit amount exceeds the credit line, the foregoing The step in which the goods company notifies the scheduled alert. Among them, any combination of the above constituent elements or the expression of the present invention, which is converted between a device, a method, a system, a recording medium of a storage program, and the like, is also effective as an aspect of the present invention. (Effect of the Invention) According to the present invention, it is possible to effectively utilize the cargo distribution performance information of both the delivery company and the receiving company obtained in the process of distributing the goods by the distributor, and provide transaction credit information extremely useful to the receiving company, and Support credit management that should be implemented by the shipping company. 201203157 [Configuration Mode] A preferred embodiment of the present invention will be described with reference to the drawings. Fig. 1 is a view showing a form of merchandise distribution processing in a commercial transaction using a communication network, and the distribution processing is generally performed in the following order. First, the order (arrow No. a) from the receiving company belonging to the merchandiser is accepted, and the shipping company belonging to the merchandiser is entrusted to the distributor to concentrate on the merchandise after preparing the required quantity of the ordered merchandise. Goods (arrow b). The distributor who receives the inbound instructions goes to the shipping company to concentrate the goods (arrow c). The goods sent by the shipping company are delivered by the delivery company and sent to the receiving company (arrow d). If the delivery is completed, the delivery company is notified of the delivery by the delivery company. In addition, when the contracted goods are collected, the delivery company is remitted to the delivery company to complete the delivery process (arrow e). Among them, the communication network referred to herein includes various means of information transmission in addition to communication using the Internet. There is also a case where the information required for the delivery processing by the receiving company to the delivery company or the delivery instruction from the delivery company to the delivery company is transmitted by telephone or fax. In addition, there will be cases where the distributors contract the storage of goods sold by the shipping company. At this time, the delivery instruction from the delivery company is received, and the distributor selects an appropriate product from among the products managed in the storage warehouse and supplies it for distribution. As mentioned above, in the commercial transaction using the communication network as shown above, the delivery company has difficulty in performing the credit management of the receiving company.

S -10- 201203157 Therefore, in the present invention, as shown in FIG. 2, a transaction information processing support company that constructs a transaction request for processing the credit management and transaction credit information from the delivery company to process the transaction information (hereinafter appropriate) In the form of the product distribution processing in the "supporting company", the support company manages the product transaction information or the delivery information between the shipping company and the receiving company, thereby supporting the credit management business to be implemented by the shipping company. That is, in the delivery processing mode shown in Fig. 2, first, the support provider receives the supply of company information or commodity transaction related information of the delivery company and the delivery company in advance from the delivery company. The shipping company accepts the order from the receiving company (arrow A), and the delivery instruction for the product is carried out by the shipping company to the supporter (arrow B). When the delivery instruction is received, the support company notifies the delivery company of the goods collection instruction (arrow C), and the delivery company goes to the delivery company to collect the goods as the goods (arrow D). The goods sent by the shipping company are delivered by the distributor and delivered to the receiving company (arrow E). If the delivery is completed, the supplier will be notified of the support by the distributor (arrow F). The support company that has received the notification of the completion of the delivery will notify the receiving company of the receipt of the payment, and will collect the payment or advance payment from the delivery company, and will process the payment (arrow G) to the receiving company, according to the collection status. To remittance processing to the shipping company (arrow Η). In the present invention, the delivery information management system for the commodity transaction information of the delivery company and the receiving company as described above in the embodiment is processed and processed based on the delivery information of the goods from the delivery company to the receiving company. Credit information to support the credit management that the shipping company should implement. In the following description, the distribution information management system of the present embodiment is formed as a system in which the distribution management device described later is installed in the distribution company and the transaction credit information management device is installed in the support provider. In addition, the transaction credit information management device of the present invention may be installed in a business other than a distributor such as a distributor, such as a credit information providing service provider, for example. The main body of the system and the installation of the system is not limited to the distribution company and the support company. Specifically, the delivery information management system performs the following processing: the delivery company accepts the processing of the credit line of the receiving company; when the delivery company sends the goods to the receiving company, it calculates the time before the point of time The payment of the goods delivered by the delivery company to the receiving company, and the amount that should be paid by the receiving company to the delivery company as the consideration for the goods is treated as the cancellation amount; and when the credit amount exceeds the credit limit, Process preset by the shipping company. Fig. 3 is a view showing the configuration of a distribution information management system according to an embodiment of the present invention. As shown in the figure, the delivery information management system 1 000 includes a delivery person in charge terminal 200, a delivery management device 300, a transaction credit information management device 400, and a payment slip issuing device 500. The dispatcher terminal 200 is a PDA (Personal Digital Assistant) picked up by the person in charge of the delivery by the delivery person in charge of the delivery company, or a goods such as a collection store or a delivery store located in the distribution company. The computer terminal installed in each business office on the delivery route is equivalent to this. In the figure, the transmission source terminal 100 is placed in a computer terminal of the delivery company. Each of the terminals and devices in the figure is appropriately connected by a well-known communication means such as LAN.WAN.s-12-201203157 Internet. Each of the terminals and the system is configured to transmit and receive data or information to each other through the communication means. Here, the 'delivery-responsible terminal 200 and the distribution management 300 are installed in the distribution company, and the transaction credit information management 400 and the payment-issuing device 500 are installed in the support company, and the devices can be set. In one part, it can also be set under the separate business or different business entities. The delivery management device 300 manages the delivery of goods in the distribution company, and has a distribution performance storage unit 301. Distribution performance memory unit 3 0 1 The memory area of various materials (hereinafter referred to as "delivery performance"). Figure 4 shows the construction of the distribution performance data. The "delivery ID" record records the ID of the goods that are delivered in the distribution provider, that is, the delivery order number. The product name of the delivered item is recorded in the "product name" field, respectively, in the "send source" field. The information of the shipping company is recorded, and the identification information of the receiving company by the shipping company is recorded in the "sending destination" field. Hereinafter, the identification company of the shipping company is the shipping company ID'. The identification information of the receiving company is referred to as the receiving company. The shipping company ID and the receiving company ID may also be the respective company names. In addition, in the "Send Date" field, the year, month, date, or time of the goods shipped by the company, and the date and time of the arrival of the goods to the receiving company in the "Day of Arrival" field are recorded. In the "price record, the payment of the goods sent by the delivery company, in other words, the transmission of the w-fc device of the device, but the same processing of the information" column, also the cargo ID specifies the identification ID. The "Send in stock" column is the amount that should be paid by the receiving company to the shipping company as the consideration for the goods. In the "Payment Date" field, the date on which the consideration for the goods should be paid by the receiving company is recorded. The delivery management device 300 receives the delivery start information indicating the fact that the goods have been sent to the receiving company by the delivery company by the delivery person in charge terminal 200. The delivery start data includes a delivery ID, a product name, a delivery company ID 'receipt company ID, a delivery date, a price, a payment date, and the like. According to this, the delivery management device 300 is configured to deliver the actual performance data and memorize the distribution. The performance record is 301. Further, the delivery management device 300 transmits the delivery start data to the transaction credit information management device 400 together with the delivery ID. The payment date included in the delivery start data may also inform the delivery company of the payment condition related information (for example, the settlement at the end of the month/the end of the next month), and use it as the company information of the receiving company. It is stored in the company information storage unit 403 which will be described later. At this time, it is not necessary to include the payment date in the delivery start data, and the payment date information of the appropriate receiving company memorized in the company information storage unit 403 is transferred in the "payment date" field of the delivery performance data. . In the process of distributing the goods by the distributor, the delivery person in charge of the delivery process is input to the delivery management device 300 by the delivery person terminal 200 of each of the sales offices, and the delivery management device 300 is used as the delivery. The actual performance data is attached to the delivery ID and recorded in the appropriate record of the delivery performance storage unit 301. If the goods are delivered to the receiving company and the goods are delivered, the goods are delivered.

S -14 - 201203157 The end data is transferred from the delivery owner terminal 2 〇 to the delivery management device 300. The distribution end data includes: delivery D, and the date and time of the delivery. The delivery management device 300 sets a record of the specific delivery performance data by the delivery 10, and sets the arrival date in the arrival date field of the record. The transaction credit information management device 00 is a transaction credit information for processing the receiving company's support for the credit management performed by the receiving company in the delivery company. The payment form issuing device 500 generates a request form for requesting the receiving company to pay the consideration of the goods sent by the issuing company to the receiving company. The detailed composition of the two devices will be described in detail later. Fig. 5 is a block diagram showing the constitution of the transaction credit information management apparatus 400. As shown in the figure, the transaction credit information management device 400 includes a statistical information storage unit 401, a credit storage unit 402, a company information information unit 4 03, a credit information storage unit 4〇4, a statistical information acquisition unit 405, and statistics. Information providing unit 〇6, credit receiving unit 〇7, company information obtaining unit 408, review unit 409, credit information providing unit 410, credit information update unit 411, credit amount calculation unit 4 1 2, determination unit 4 1 3, And an alarm notification unit 4 1 4 . Here, each of the blocks shown in the block diagrams of the present specification and the drawings can be realized by hardware or a mechanical device such as a CPU of a computer, and a computer program can be used for the software. This is achieved, but here, the functional blocks implemented by these cooperations are represented. Thus, the functional blocks can be implemented in various forms or forms by a combination of hardware and software, as will be appreciated by those skilled in the art. The statistical information storage unit 40 1 stores data derived from predetermined statistical processing of the delivery performance data held in the delivery -15-201203157 continuation memory unit 301 (hereinafter referred to as "distribution statistic" ") The field of memory. The distribution statistics are created for each shipping company or receiving company. Figure 6 shows the construction of the distribution statistics. The identification information of the shipping company or the receiving company is recorded in the "company ID" field, and the average price of the goods delivered to the company is recorded in the "average price of goods" field. During the period in which the company began to send the goods, the goods were shipped in the "Recently sent day" field. In the "send destination list" field, the company ID of one or more destination companies that have arrived at the destination of the goods sent by the company is recorded in the "Weekly average number of transmissions" field. The average number of shipments of the goods sent by the company is recorded in the "Weekly number of records" field. Here, the distribution statistics are produced by each of the shipping companies or the receiving companies as described later by the distributors who are responsible for the distribution of the goods, that is, the distribution of the performance data. The distribution performance data is before the distribution statistics shown in Figure 6, for example, as shown in Figure 7, about the receiving company (or shipping company), and the company that has multiple destinations (or sources) Logistics relationship. Next, the distribution performance data describes the information on the relationship between the shipping company and the receiving company. In contrast, the distribution data is one of the shipping companies and one of the multiple receiving companies. The logistics information, or the logistics information of one of the receiving companies and the plurality of shipping companies, is formed as a piece of information describing the logistics information obtained by the relationship of 1 to N (plural). As shown above, the distribution statistics are based on the distribution of the 1-to-1 relationship based on the description.

S -16- 201203157 Performance data to view the logistics information acquired by the relationship between 1 and N, and provide information for companies that benefit from credit management. The quota section is recorded in the field of the data set by the source terminal 100 (hereinafter referred to as "credit setting data" as appropriate) for the credit management in the transaction credit information management device 400. The credit setting data includes: the shipping company 1D; the receiving company ID; the upper limit of the total price of the goods sent to the receiving company (hereinafter referred to as the "credit line"); the goods sent to the receiving company When the total price exceeds the credit limit, the information to be executed by the transaction credit information management device 400 (hereinafter referred to as "over time action" as appropriate) is specified. In the above-described time-out operation, it is also possible to designate, for example, the transaction credit information management device 400 transmits an e-mail indicating that the credit limit is exceeded to the transmission source terminal device 1 or transmits a facsimile such as the content to the delivery company. . In addition, it is also possible to specify, for example, to stop the delivery of goods to the receiving company in the distribution company. The company information storage unit 403 stores a memory area in which the information of the receiving company indicating various kinds of information about the receiving company is stored. The receiving company's information consists of various company information from the receiving company and information that is supposed to affect the payment of the goods to be delivered. Fig. 8 is a view showing a part of the construction of the information of the receiving company data which is supposed to affect the payment of the aforementioned consideration. The receiving company ID is recorded in the "Company ID" field. In the "External Classification Level" field, the division level information of the company according to the external classification authority is recorded, and the information of the company's rejection or debt non-performance is recorded in the "Rejection of Payment Information" field. The "Share Price Change History" field records the change in the stock price of the company from -17 to 201203157. In the "purchase amount history" field, the total price of the unpaid goods in the goods delivered to the receiving company is recorded. From the past changes, the goods are recorded in the "credit quota" field. The company's credit line set for the receiving company, from the past to the present. The credit information storage unit 404 stores a memory area in which goods related information (hereinafter referred to as "sales information" as appropriate) is formed between the delivery company and the receiving company. The sales information includes the same "Distribution ID" field, "Product Name" field, "Send Source" field, "Send Destination" field, and "Price" column similar to the delivery performance data shown in Figure 4. Bit, and "Payment Date" field. The statistical information acquisition unit 405 acquires the delivery performance data held by the delivery performance storage unit 310 of the delivery management device 300, performs predetermined statistical processing on the delivery performance data, and distributes the results derived by the statistical processing. Statistics and memory in the statistical information recorded in the Department of 40 1 . The distribution statistic can be generated by the statistical information acquisition unit 405 searching for the distribution performance data having the same receipt company ID and specifying it. For example, if the specific receipt company ID is used as the company A, the distribution result data is statistically processed, and the "company ID" of the distribution statistics is set to the company A, and the "delivery period" is set in the goods delivery history of the company a. For the period from the earliest transmission date to the latest transmission date, the latest transmission date of the goods delivery history is set on the "recent delivery date", and the destination of the goods to be delivered by company A is set in the "transmission destination". In the "average number of weeks to send", the flatness of the goods sent in each week of company A is set.

S -18- 201203157 The number of shipments of various goods up to the predetermined past week in the "weekly number of records". Here, the statistical information acquisition unit 405 may store the data obtained by further abstracting the statistical processing result as the distribution statistical data in the statistical information storage unit 401 instead of the result itself derived from the statistical processing of the distribution performance data. In this case, the statistical information acquisition unit 405 may classify the data of each item calculated in the statistical processing into any one of the plural numbers each having a predetermined range, and the data belonging to the same division is converted into the same symbol or the like. . For example, regarding the "delivery period", the number of divisions is "D" for less than 3 months, and "C" for 3 months or more and less than 6 months. The classification is 6 months or more and less than 1 year. "B" is divided into "A" for more than one year, and "D" is less than 20 for "average number of weekly transmissions", and 20 or more and 50 divisions for "C" are 50. Above, less than 1 is divided into "B", and 100 or more is classified as "A". The statistical information providing unit 406 transmits the delivery statistic corresponding to the company ID specified by the reference request to the transmission source terminal 1 in accordance with the reference request of the delivery statistic from the transmission source terminal unit 〇〇 The credit receiving unit 4〇7 receives the credit setting data from the source terminal 1〇〇 and stores it in the credit storage unit 402. The company information acquisition unit 408 is a database of company information disclosed by the data input unit of the transaction credit information management device 4, the transmission source terminal device 100, or an external credit investigation company (hereinafter referred to as "external DB" ") Entering the company information of the receiving company and inputting it to the review department 19· 201203157 409 ° The company information entered is listed as: capital amount or number of employees, history, operator, transaction bank, The company's basic information, procurement or sales, major shareholder information, business registration or real estate registration information, financial information, external evaluation information, business personnel information, bankruptcy information, etc., such as payment terms, business content, and location of the business. In addition, the information input by the external DB includes: information on economic trends such as industry trends, regional trends, and stock prices disclosed by the Bank's short-term economic observation survey or corporate corporate statistics. The review unit 409 extracts various pieces of information input by the company information acquisition unit 408 by statistical processing based on a predetermined determination criterion, and derives specific credit information that is an evaluation index of the business status of the receiving company. In the method of deriving credit information, for example, a method of assigning items such as business history or scale, profitability, and financial indicators in a cumulative manner, or reducing the risk items to be distributed, is exemplified. The review unit 409 combines the derived credit information with the information acquired by the external DB to generate company information of the receiving company, and additionally generates the receiving company data by referring to the credit storage unit 402 and the credit information storage unit 4〇4. 'Make it in the company information storage unit 403. In addition, together with the information derived by the review, the basic information such as the company's summary or location of the receiving company is stored as the parent company's information and is stored in the company's information. For the example of the company's data, set the company A in the "company ID" of the receiving company's data, and "reject"

S -20- 201203157 Payment Information" sets the information about Company A's refusal or debt non-performance. You can also set only the flag for whether or not to refuse payment. The stock price change history is set with the stock price acquired by the external DB, and the stock price from the predetermined past day to the current date is set as the history. In the "purchase amount history", a record in which the destination is the company A is recorded in the credit information stored in the credit information storage unit 404, and the price total set in the credit sales data is set. The "credit credit history" is a record in which the receiving company ID is the company A in the credit setting data set in the quota unit 402, and the credit limit in the credit setting data is set to the current credit limit. When there are a plurality of records of company A, the average credit limit of each record can also be set. In terms of the resume, the credit amount in the predetermined past period is maintained. The credit information providing unit 410 performs the transmission of the credit information derived from the examination unit 409 or the data stored in the company information unit 403 in accordance with the reference request from the transmission source terminal 100 or the external device. The review unit 409 may generate the credit information of the delivery company and output it in accordance with the reference request from the source terminal 1 or the external device. In addition, the credit information derived in the examination unit 4〇9 or stored in the company information storage unit 403 may be stored in the form of a voucher by means of a data output means such as a printer of the transaction credit information management device. The data is printed for output. The credit sales information update unit 411 generates credit sales information based on the data when the delivery start data and the delivery 10 are received by the delivery management device 300, and the credit information storage unit 4〇4 is written. Further, the 'sales information update unit 4 n -21 - 201203157 receives the deletion instruction data indicating the deletion of the credit sales information by the payment form issuing device 500, and the deletion information is stored in the cancellation information storage unit 404 and designated by the deletion instruction data. The sales information corresponding to the delivery ID. The credit amount calculation unit 4 1 2 acquires the delivery company ID and the delivery company ID specified in the delivery start data received by the credit information update unit 4 1 1 . The credit amount calculation unit 41 2 refers to the credit information storage unit 404, specifies the credit sales information in which the shipping company ID and the receiving company ID are set, and calculates the total price in each of the sales data as the credit amount. The determination unit 4 1 3 acquires the delivery company ID and the receipt company ID specified in the distribution start data received by the credit information update unit 41 1 . The determination unit 413 refers to the credit storage unit 402, and specifies the credit setting data in which the delivery company ID and the delivery company ID are set, and acquires the credit limit. The determination unit 41 3 refers to the company information storage unit 403, specifies the receipt company ID as the receipt company data set by the company ID, and determines whether the receipt company information includes a hypothesis for the consideration of the goods in the delivery company. Pay for content that causes a bad interpretation (hereinafter referred to as "negative information" as appropriate). If the receiving company's information does not contain negative information, the credit line will be directly used as the threshold for reporting. If negative information is included, the credit amount will be discounted as a negative limit according to the negative information. The determination unit 4 1 3 determines the size of the credit sold and the alarm threshold 値 calculated by the credit amount calculation unit 4 1 2 . In terms of the calculation method of the threshold, for example, the lower the evaluation of the external classification level in the company's data, the more the credit line can be reduced and reduced as a threshold. In addition, if you are set to refuse to pay information, you can also

S -22- 201203157 The credit line is subject to a predetermined amount reduction, which is typically a significant reduction and is used as an alarm threshold. Further, when the stock price change history shows a tendency to lower the stock price, or when the remaining credit amount display shows a change in the predetermined allowable range or more, or when the credit limit history display tends to decrease, the credit amount may be reduced by a predetermined amount as an alarm threshold. When the determination unit 4 1 3 determines that the credit amount exceeds the alarm threshold, the alarm notification unit 4 1 4 refers to the quota unit 402 to execute the time-out operation designated by the source terminal I. Typically, the receiving company that has specified the delivery start document transmits information indicating that the purpose of the delivery company's delivery is stopped to the delivery management device 300. Further, an e-mail is transmitted to the source terminal 100 to notify that the credit amount to the receiving company has exceeded the credit limit. It can also be notified by fax from the shipping company. Fig. 9 is a block diagram showing the mechanism of the bill issuing apparatus 500. The payment slip issuing device 500 includes a payment slip storage unit 501, a payment slip creation unit 502, a payment slip transmission unit 5〇3, a payment notification reception unit 504, and a deletion support unit 505. The payment form storage unit 501 memorizes the memory area of the payment slip data generated by the payment form creation unit 52. The payment form creation unit 502 refers to the sales information of the credit information storage unit 404 of the transaction credit information management device 400, and replaces the delivery company to generate the delivery company to respond to the receipt information issued by the receiving company and memorizes In the payment form memory unit 5 0 1 . Specifically, the payment form is executed. The sales information for the specific shipping company and the receiving company is the same sales information, and the payment is set according to the sales amount -23-201203157. data. Figure 10 shows the construction of the request form data. This figure is displayed in the mode. The request form data generated by the payment order creation unit 5 0 2 is set to the status of the payment form. In the "Payment ID" field, the identification information of the payment slip data generated by the unique payment request issuing device 500 is set. In the "Receipt Company Name" field, the name of the receiving company and the receiving company (1) are set, and in the "Payment Date" field, the payment date of the specific conditions for the cancellation of the sales information is set in the "Request Amount" field. Set the total amount of the consideration for the goods set in the details. In the "Details", j records are set in accordance with each record of the cancellation data. In each column of the detail record, the data of each field in which the sales information is set is set. The payment slip transmission unit 503 transmits the payment slip data stored in the payment slip storage unit 5 to the transmission source terminal unit 100. In the future, the delivery company will send a payment slip to the receiving company according to the payment form information, and receive the price of the delivered goods from the receiving stomach. The payment notification accepting unit 504 receives the payment notification indicating the consideration of the payment of the goods by the receiving company by the sending source terminal 100. The payment notice contains the claim ID. In addition, when the support agent agent collects the payment from the receiving company, the payment form is issued by the payment form issuing device 500, and the supplier is sent to the receiving company to collect the payment. If the payment has been made, the support provider That is, the gist is input to the payment notification accepting unit 504. The deletion instructing unit 5 05 acquires the payment slip ID designated in the payment notification when the payment notification receiving unit 504 accepts the payment notification. Delete indication

S-24- 201203157 Section 505 refers to the payment number of the payment form corresponding to the request form ID, and specifies the delivery ID of the item to be set in the request form. Next, the deletion instructing unit 505 transmits the deletion instruction data deleted from the sales-receipt information corresponding to each delivery ID to the transaction credit information management device 400 by the cancellation information storage unit 404. The deletion instruction data contains the delivery ID. Next, the operation by the above configuration will be described. Fig. 1 is a flowchart showing the operation of the transaction credit information management device 400. The statistical information acquisition unit 405 acquires the delivery performance data from the delivery performance storage unit 301, generates delivery statistical data, and stores it in the statistical information storage unit 401 (S10). The statistical information providing unit 406 transmits the delivery company related distribution statistics to the transmission source terminal 1 00 (S 1 2 ). The credit receiving unit 4〇7 receives the credit setting data from the source terminal 100 and stores it in the credit unit 402 (S14). Although not shown, the company information acquisition unit 408 refers to the credit storage unit 402 in the examination unit 409 while detecting that the predetermined start condition is sufficient, for example, when the current time is a predetermined time, the company information is acquired by the external DB or the like. The credit information storage unit 404 generates the receipt company data and stores it in the company information storage unit 403. Fig. 12 is a flow chart additionally showing the action of the transaction credit information management device 400. When the delivery management device 300 receives the delivery start data (Y of S20), the credit sales information update unit 411 generates credit sales information and stores it in the credit information information unit 404 (S22). The credit amount calculation unit 41 2 refers to the credit information unit 404, and calculates the credit amount to the receiving company in the delivery company (S 24 ). The judging unit 41 3 refers to the credit amount unit 402 and the company information memory -25-201203157 unit 403 to determine the threshold, and compares the credit amount and the alarm threshold. If the credit amount exceeds the normal limit (Y in S26), the alarm notification unit 41 4 transmits to the delivery management device 300 an instruction material for stopping the delivery of the delivery to the receiving company (S28). In conjunction with this, the alarm notification unit 424 transmits the report of the predetermined aspect to the transmission source terminal device 100 (S30). When is the credit sales amount? When the threshold is below (N in S26), the process returns to S20. When the cancellation instruction information is received by the payment form issuing device 500 (N of S 2 0, Y of S 3 2 ), the credit information update unit 4 1 1 deletes the credit sales information according to the deletion instruction data (S34), and returns to Processing of S20. When the deletion instruction material is not received (N of S32), the process returns to S20. Fig. 13 is a flow chart showing the operation of the payment slip issuing device 500. The payment order creation section 5 02 waits until the scheduled opportunity for creating the payment slip information is detected (N of S40). When the predetermined opportunity is detected, for example, when the date on which the request form information is to be generated is detected (Y of S40), the request form creation unit 502 refers to the credit information storage unit 404 to generate an invitation. The single data is memorized in the payment form memory unit 5 0 1 . The payment order transfer unit 5〇3 transmits the payment slip data held in the payment slip storage unit 5〇 to the transmission source terminal 1 00 (S42). When the support agent collects the payment, the payment slip is issued to the payment slip issuing device 500 and sent to the receiving company. When the payment notification receiving unit 508 receives the payment notification by the source terminal device 1 (S44) or the payment provider receives the payment notification, the deletion instruction unit 505 transmits the deletion instruction data to the transaction credit information management device 400. (S46) °

S -26- 201203157 In the present embodiment, the support company or the distribution company who is responsible for the management of the credit management by the delivery company can support the delivery company in response to the delivery company. Credit management, whereby the processing of transaction credit information or the burden of credit management operations in the shipping company is reduced. In addition, according to the present embodiment, since the transaction credit information and the credit management are performed in the logistics system, when the credit amount exceeds the credit limit, the delivery company can stop the delivery of the goods in the delivery by the receiving company. By the shipping company to prevent the occurrence of losses exceeding the credit line. In other words, since the distribution of the goods to the receiving company itself is stopped, it is possible to prevent the damage of the shipping company caused by the abnormal situation on the side of the receiving company. Therefore, the delivery company can send goods to the receiving company with peace of mind. Further, according to the present embodiment, the delivery company responds to the receipt of the payment slip information issued by the receiving company, thereby reducing the burden on the receiving company's payment slip. In addition, the goods that have been paid for the consideration have been deleted from the credit sales information, so the credit management based on the latest credit status is executed. Further, according to the present embodiment, since the alert threshold is adjusted in accordance with the receipt company data, it is possible to notify the delivery company of an appropriate alarm following the change in the business status of the receiving company. Further, according to the present embodiment, by providing the delivery statistics of the receiving company to the delivery company, it is possible to support the setting of the credit limit for the receiving company. In other words, the transaction credit information management device 4 can provide the delivery company with the judgment material of the company -27-201203157 which is trustworthy by the receiving company from the viewpoint of the delivery performance, for example, the classification level information based on the distribution performance. The general credit investigation company or the classified company is mostly a large enterprise, and the company information of the small and medium enterprises is not registered, but the transaction credit information management device 400 also includes the small and medium enterprises to provide the company's reliability, that is, Differentiate the level. In addition, when the shipping company re-starts trading between the receiving companies that are far apart, it also accepts the delivery statistics of the receiving company, including whether the receiving company is the actual company, the shipping company. It is easy to judge the decision of the start of the transaction or the setting of the transaction size. In addition, with the present embodiment, it is easy to obtain the distribution statistics by distributing the statistical data, not the statistical processing result itself, but the so-called consolidation of the abstract data having the range corresponding to the result. The consent of the receiving company of the information disclosure. It is appropriate for the receiving company that wants to restart the transaction with the shipping company, but for the receiving company that displays the statistical results of the distribution performance data itself. Further, according to the present embodiment, the statistical information providing unit 406 can output the distribution statistical information of the transaction history information belonging to the delivery company or the receiving company to the external device, and the credit information derived from the examination unit 409 or the memory is stored in the company. The information of the information storage unit 403 is also outputted to the external device by the credit information providing unit 410. Therefore, it is easy to obtain the transaction information of the delivery company or the receiving company or the credit information of the company, which is shared by the shipping company and the support company. Information, in addition to the assessment information of the shipping company, is provided to the financing company such as the bank, so as to grasp the objective evaluation/operating status of the delivery company's performance, which can help the financing of the delivery company.

S-28-201203157 As shown above, the distribution information management system 1000 of the present embodiment has an advantage in both the delivery company and the receiving company in the logistics between enterprises, thereby facilitating the logistics between enterprises. The invention has been described above in connection with an embodiment of an example. This embodiment is exemplified, and may be a combination of modifications of the constituent elements or processes, and such modifications are also within the scope of the invention as understood by those skilled in the art. For example, the above-described distribution information management system 1 000 may be configured to provide only a part of services by omitting a part of the configuration and the like. Specifically, if the payment slip issuing device 500 is installed as described in the present embodiment, the credit information is automatically updated, and the credit amount correction processing can be easily performed, except that the delivery company is notified of the reservation when the credit limit is exceeded. In addition to the alert service, a bill payment service can also be provided. On the other hand, the payment slip issuing device 500 can be omitted, and the credit management support service can be provided. The above-described modified example is within the scope of the present invention. Further, in the embodiment, the company's distribution statistics are various materials when the company becomes a source of goods. In the variant, the distribution statistics may also include various information when the company becomes a receiving company belonging to the recipient of the goods. For example, the data corresponding to the "transmission period" to the "week delivery number history" in Fig. 6 may also include: "delivery period", "recent arrival date", "sending source list", "week average" "Number of arrivals" and "Number of arrivals per week". The shipping company can also refer to this information to further clarify the state of the receiving company' and easily set the appropriate credit line. In addition, • 29- 201203157 ’ can also replace the statistics obtained in weekly units and the statistics in monthly units or annual units. In addition, in the variant of the receipt company data, the "price change history" may be omitted, or the "payment method" field may be included in the variant of the credit sales information, or the "ticket settlement" or "note settlement" may be included. Content such as bank transfer is stored in the appropriate field. Further, in the embodiment, the determination unit 4 1 3 adjusts the credit amount in accordance with the receiving company. In the modified example, the determination unit 4 1 3 may adjust the credit amount in accordance with the distribution statistical data in addition to or in place of the receipt company data. That is to say, when the distribution statistics include predetermined negative information such as a sharp drop in the flow of goods, which may cause a negative impact on the payment of the goods in the receiving company, the credit amount may be discounted to calculate the report. Limited time. From the point of view of the statistical results of the distribution results, the credit line can also be adjusted, and it is easy to calculate the appropriate limit. In addition, in the form of implementation,! Is the report notification department 4 1 4 in excess of the credit sales amount? When f reports a limit, the action is exceeded. In the modified example, when the receipt company information includes negative information, the notification notification unit 412 may perform the overtime operation based on the determination in the determination unit 4 1 3 . For example, when the receiving company issues a refusal to pay, even if the credit amount is within the alarm threshold, the shipping company may be notified of the report and the review is allowed to continue the delivery. Further, in the embodiment, the transaction credit information management device 400 deletes the credit data based on the deletion instruction data from the payment slip issuing device 500. In the modified example, the source terminal device 1 can also be transmitted. Directly notifying the transaction credit information management apparatus 400 of the goods delivery ID of the paid consideration to delete the sales amount specified by the delivery ID notified by the apparatus.

S •30- 201203157. In addition, in the embodiment, it is displayed that the payment slip is transmitted by the payment source terminal 1 to the transmission source terminal 1 and the delivery company issues a payment slip and transmits it to the receiving company to receive the goods. The consideration is then input into the processing of the payment slip issuing device 500. In the modified example, the requester can issue a request for the receipt of the receipt of the receipt to the receiving company, and send it to the receiving company from the support company to support the supplier to collect the price of the goods. The support provider inputs the payment notification accepting unit 504 to the payment slip issuing device 500. In addition, if the support agent collects the payment, if the payment slip is issued by the delivery company or the support company, the support company can also pay the amount of the payment received by the delivery company. Further, in the embodiment, the delivery source of the distribution start data to the delivery management device 300 is the delivery person in charge terminal 200. In the variant, the source of the transmission may also be the source terminal 1 发送 〇. Any combination of the above embodiments and modifications is also used as an embodiment of the present invention. The new embodiment produced by the combination is an effect of each of the combined embodiments and modifications. The functions to be realized by the respective constituent elements described in the claims are realized by the single elements of the respective constituent elements shown in the embodiments and the modifications, or the likes of the stomachs, and are also familiar to the field. This technology can understand. [Simple description of the schema] Stomach 1 ® shows the distribution of the goods in the commercial transaction using the communication network -31 - 201203157. Fig. 2 is a view showing the state of the product distribution processing in the embodiment of the present invention. Fig. 3 is a view showing the configuration of a distribution information management system according to an embodiment of the present invention. Figure 4 is a structural diagram showing the distribution performance data. Fig. 5 is a block diagram showing the functions of the transaction credit information management apparatus of Fig. 3. Figure 6 is a diagram showing an example of the construction of distribution statistics. Fig. 7 is a diagram showing an example of the structure of the distribution and performance data. Figure 8 is a diagram showing an example of the structure of the receiving company data. Fig. 9 is a block diagram showing the functional configuration of the claim issuing device of Fig. 3. Figure 10 shows an example of the structure of the request form data. Fig. 1 is a flow chart showing the operation of the transaction credit information management device. Fig. 12 is a flow chart showing the operation of the transaction credit information management device. Fig. 13 is a flow chart showing the operation of the payment form issuing device. . [Description of main component symbols] 100: Transmission source terminal 200: Distributing negative terminal terminal 3 00 : Distribution management device

S -32 - 201203157 3 0 1 : Distribution performance storage unit 400 : transaction credit information management device 401 : statistical information storage unit 402 : credit storage unit 403 : company information storage unit 404 : credit information storage unit 405 : statistical information acquisition unit 406 The statistical information providing unit 407: the credit receiving unit 408: the company information acquiring unit 409: the checking unit 4 1 0: the credit information providing unit 4 1 1 : the credit information updating unit 4 1 2 : the credit amount calculating unit 4 1 3 : the determining unit 4 1 4 : alarm notification unit 5 00 : payment form issuing device 5 0 1 : payment form storage unit 502 '· payment form creation unit 503 : payment form transmission unit 5 04 : payment notification reception unit 5 05 : deletion Support Department 1 000 : Distribution Information Management System -33

Claims (1)

201203157 VII. Scope of application for patents: 1- A transaction credit information management device that processes the aforementioned receipts when the delivery company that delivers the goods according to the order and the purchaser that receives the goods, that is, the receiving company, conducts the purchase and sale of goods. The company's transaction credit information device is characterized by: a credit memory unit that memorizes the credit line set by the shipping company to the receiving company; the credit information memory unit, which is stored by the foregoing The goods company receives the goods sent by the aforementioned shipping company, and the goods paid by the receiving company to the shipping company for the sale of the goods; the sales amount calculation department, which is sent by the aforementioned shipping company to the receiving company In the case of goods, the total amount of the sales of the goods sold at the point in time is calculated as the credit amount by reference to the credit sales information storage unit; and the notice reporting department, when the credit amount exceeds the credit line, the goods are shipped. The company notifies the scheduled alert. 2. For example, the transaction credit information management device of claim 1 of the patent scope has a credit sales update department, which is stored in the credit sales information memory department when the payment has been paid to the delivery company. Except for the information related to the cancellation of goods. 3. The transaction credit information management device of claim 1 or 2 of the patent application, wherein: the statistical information acquisition unit obtains the distribution result of the goods received by the goods distribution company regarding the receiving company The information 'is the statistical information derived from the predetermined statistical processing of the distribution performance; and -34- S 201203157 Statistics Information Providing Department, which provides the aforementioned statistical information to the aforementioned shipping company, to support the above The setting of the credit line of the aforementioned receiving company for the goods company. 4. The transaction credit information management apparatus according to any one of the first to third aspects of the patent application, wherein the company information acquisition unit is: a company information acquisition department, which is related to the business status or capital status of the receiving company. Obtained externally as company information; the review department derives credit information about transactions with the aforementioned receiving company by predetermined statistical processing of company information; and the credit information providing department is attached to the aforementioned shipping company or The aforementioned credit information is externally provided. 5. The transaction credit information management device of claim 4, wherein the credit notification is provided when the credit information includes content that is supposed to adversely affect the payment of the goods for which the goods are sold by the receiving company. The department is a function to notify the delivery company of the scheduled alarm. 6 · For example, the transaction credit information management device of the fourth application patent scope has a judgment department, which is when the credit information is supposed to be adversely affected by the payment of the goods for sale by the receiving company. In the case of the content, the credit amount is determined to be at least a threshold value smaller than the credit limit, and the alarm notification unit notifies the delivery company of the predetermined alarm when the credit amount exceeds the threshold. The transaction credit information management apparatus according to any one of claims 1 to 6, wherein the alarm notification unit has an external device 'transferred for managing the delivery of goods in the delivery provider-35-201203157 The function of stopping the delivery of the goods to the receiving company. 8. The transaction credit information management method is to deal with the transaction credit of the aforementioned receiving company when the shipping company that sends the goods according to the order and the ordering company that receives the goods, that is, the receiving company, conducts the commodity trading transaction. The method of processing information to process transaction credit information is characterized in that: the apparatus performs the following steps: the step of accepting the setting of the credit line of the receiving company by the shipping company; the memory is received by the shipping company The step of sending the goods for the sale of the goods; when the goods are sent by the aforementioned shipping company to the receiving company, the total amount of the goods sold at the time is calculated as the credit amount; and when the aforementioned credit amount exceeds In the case of the credit line, the step of notifying the aforementioned shipping company of the predetermined θ report. S -36-