WO2011118332A1

WO2011118332A1 - Trade credit information management device and method

Info

Publication number: WO2011118332A1
Application number: PCT/JP2011/054278
Authority: WO
Inventors: 健一芝崎
Original assignee: ヤマトフィナンシャル株式会社
Priority date: 2010-03-23
Filing date: 2011-02-25
Publication date: 2011-09-29
Also published as: TW201203157A; JP5612342B2; JP2011198183A

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

Transaction credit information management apparatus and method

The present invention obtains information on the management state of a purchaser who is a trading partner from the delivery result information of a package which is a product, and processes and manages it as transaction credit information in a merchandise sales transaction between the merchant and the purchaser. Regarding technology.

Commercial transactions using communication networks such as the Internet are not limited to the form in which the final consumer purchases the product directly from the merchandise dealer via an electronic mall, etc., but also the trader who sells the product to the final consumer (secondary store). Is also carried out in business-to-business transactions in which products are purchased from a vendor (primary store) that sells the products. Such commercial transactions have advantages such as reduction of intermediate costs and quick delivery of products through direct transactions with product providers.
In addition, a delivery company responsible for delivery of products in a commercial transaction using a communication network sequentially inputs information from the product provider when a package collection instruction is issued until delivery packages are delivered to the customer as delivery information. Management processing is performed (see, for example, Patent Documents 1 and 2).

Japanese Patent Laid-Open No. 2002-216037 JP 2002-002913 A

間の Transactions between companies are more commonly selling / buying than cash transactions. In this case, the merchandise seller sets a credit limit that is an indicator of how much product can be sold to the merchandise purchaser, and selling the product within the range of the credit limit ensures the receivable. Necessary to recover.

However, sufficient credit management may not be performed at the merchandise distributor.
For example, when a merchandise dealer is a small and medium-sized company, there are cases where sufficient credit management cannot be performed due to lack of personnel or lack of qualified personnel. In addition, as a result of the merchandise seller not being able to confirm information regarding the merchandise purchaser, an appropriate credit limit may not be set.

In particular, in business transactions that use communication networks, there are many cases where the counterparty's contractor is in a remote location, and therefore it is unknown whether the other party can be trusted, or sufficient information necessary for credit transactions cannot be obtained. There are many.
Although it is possible to request a credit check company to provide information on the counterparty, if the scale of the product transaction is not so large, the cost for that will increase, and if the other party is a small business, the credit check company In many cases, the information of the company is not stored.
The shortage of credit information of the counterparty may cause a situation where the counterparty who was continuously buying and selling goods suddenly falls due to economic fluctuations, etc., and misses the opportunity to collect accounts receivable. In the case of commercial transactions using a network, it is the actual situation that merchandise sellers have to take a certain amount of risk as compared with the case where commercial transactions are performed through an intermediate agent such as a conventional reliable dealer.

In view of such problems of the prior art, the object of the present invention is that the company scale is small, so that sufficient credit management cannot be performed, or the information of the counterparty cannot be grasped, and the transaction with the counterparty is not possible. The object is to provide technology that supports the credit management and processing of transaction credit information to be performed by merchants who have problems such as anxiety about starting and continuing.

In order to solve the above problems, a transaction credit information management apparatus according to an example of the present invention is a merchandise distributor (hereinafter referred to as a “shipper company”) that ships a package in response to an order and an orderer who receives the package. In a device for processing transaction credit information of the consignee company in a merchandise sales transaction with a merchandise purchaser (hereinafter referred to as “consignee company”), a credit limit set for the consignee company from the consignor company is stored. A limit amount storage unit, an accounts receivable information storage unit for storing the cost of accounts receivable paid from the consignee company to the consignor company when the consignee company receives the package shipped from the consignor company; Amount of accounts receivable that, when the package is shipped from the shipper company to the company, refers to the account receivable information storage unit, and calculates the total amount of the accounts receivable before the point in time as the amount of accounts receivable Calculation If, when the trade amount exceeds the credit limit, characterized in that it comprises, and alert notification unit for notifying a predetermined alert for the shippers company.

In the transaction credit information management apparatus having the above-described configuration, when the consignment company pays the cost of the single receivable baggage, the receivable information update is performed to exclude the information related to the receivable baggage stored in the receivable information storage unit. It comprises a part.
Also, a statistical information acquisition unit for acquiring statistical information derived from a delivery result of the package related to the delivery company by the delivery company of the package, which is derived by a predetermined statistical process for the delivery result, and the receiving company by the shipper company A statistical information providing unit for providing the statistical information to the shipper company in order to support the setting of a credit limit for
Furthermore, a company information acquisition unit that obtains information related to management such as the business situation and funding status of the consignee company from the outside, and an examination that derives credit information related to transactions with the consignee company through predetermined statistical processing on the company information And a credit information providing unit for providing the derived credit information to the shipper company or the outside.
Furthermore, the alert notification unit has a function of notifying the shipper company of a predetermined alert when the credit information includes information that is assumed to have an adverse effect on the payment of the bill for the receivables by the consignment company. It is characterized by.
When credit information includes information that is expected to have a negative impact on the payment of goods payable for accounts receivable by the consignee company, increase or decrease the value of the accounts receivable and the threshold set to a value smaller than the credit limit. A determination unit is provided, and an alert notification unit has a function of notifying a shipper company of a predetermined alert when the amount of accounts receivable exceeds the threshold value.
The alert notification unit has a function of transmitting data for stopping delivery of the package to the consignee company to an external device that manages delivery of the package at the delivery company.

Another aspect of the present invention is a method for processing transaction credit information. This method uses a device that processes transaction credit information of the consignee company in a merchandise sales transaction between a consignor company that ships a package in response to an order and a consignee company that is an orderer that receives the package, and A step of accepting a setting of a credit limit for the consignee company, a step of storing the price of the receivable baggage sent from the consignor company, and when the parcel is shipped from the consignor company to the consignee company, A step of calculating the total cost of accounts receivable before that time as an amount of accounts receivable, and notifying the shipper company of a predetermined alert when the amount of accounts receivable exceeds the credit limit And causing the apparatus to execute steps.

It should be noted that any combination of the above-described components, or a conversion of the expression of the present invention between apparatuses, methods, systems, recording media storing programs, etc. is also effective as an aspect of the present invention.

According to the present invention, it is possible to effectively use the package delivery record information of both the consignor company and the consignee company, which is acquired in the process of delivering the parcel by the delivery company, and provide useful transaction credit information to the consignee company and the consignor. It can support the credit management that the company should carry out.

It is the figure which showed the form of the delivery process of the goods in the commercial transaction using a communication network. It is the figure which showed the form of the delivery process of the goods in embodiment of this invention. It is a figure which shows the structure of the delivery information management system which is embodiment of this invention. It is a figure which shows the structure of delivery performance data. It is a block diagram which shows the function structure of the transaction credit information management apparatus of FIG. It is a figure which shows an example of the structure of delivery statistics data. It is a figure which shows an example of the structure of delivery performance data. It is a figure which shows an example of the structure of consignee company data. It is a block diagram which shows the function structure of the bill issuing apparatus of FIG. It is a figure which shows an example of the structure of bill data. It is a flowchart which shows operation | movement of a transaction credit information management apparatus. It is a flowchart which shows operation | movement of a transaction credit information management apparatus. It is a flowchart which shows operation | movement of an invoice issuing apparatus.

A preferred embodiment of the present invention will be described with reference to the drawings.
FIG. 1 shows one form of merchandise delivery processing in a commercial transaction using a communication network. The delivery processing is generally performed according to the following procedure. First, an order is received from the consignee company, which is the merchandise purchaser (arrow a), and the consignor company, which is the merchandise distributor, collects the required number of ordered products and then requests the delivery company to collect the packaged goods. (Arrow b). The delivery company having received the collection instruction goes to the shipper company and collects the package (arrow c). The package shipped from the shipper company is delivered by the delivery company and delivered to the receiving company (arrow d). When the delivery is completed, the delivery company notifies the shipper company of the fact, and if the collection of the goods for the package is undertaken, it is transferred from the delivery company to the shipper company and the delivery process is completed. (Arrow e).
The communication network here includes various information transmission means in addition to communication using the Internet. In some cases, information necessary for delivery processing such as ordering of goods from the consignee company to the shipper company and collection instructions from the shipper company to the delivery company is transmitted by telephone or facsimile. In some cases, a delivery company is undertaking the storage of goods sold by the shipper company. In that case, in response to a shipping instruction from the shipper company, the delivery company picks the corresponding product from among the products managed in the storage warehouse, and uses it for delivery.

As described above, in a commercial transaction using such a communication network, it may be difficult for the consignor company to perform credit management for the consignee company.
Therefore, in the present invention, as shown in FIG. 2, a transaction information processing supporter (hereinafter referred to as “supporter” as appropriate) that processes transaction information under the consignment of credit management and transaction credit information processing from the shipper company. Supporting the credit management work that the shipper company should perform by managing the transaction information and delivery information of the product between the shipper company and the consignee company. I did it.
That is, in the form of the delivery process shown in FIG. 2, first, the supporter receives in advance from the consignor company provision of company information of the consignor company and the consignee company, and information related to merchandise transactions. The shipper company receives an order for the product from the consignee company (arrow A), and the shipping instruction for the product is given from the shipper company to the supporter (arrow B). Upon receiving the shipping instruction, the support company notifies the delivery company of a product collection instruction (arrow C), and the delivery company goes to the shipper company and collects the package that is the product (arrow D). The package shipped from the shipper company is delivered by the delivery company and delivered to the consignee company (arrow E). When the delivery is completed, a message to that effect is sent from the delivery company to the support company (arrow F). Upon receiving the delivery completion notice, the support provider notifies the consignee company of the fact, and if the consignor company collects the charges for the goods or replaces it with the consignment company, bills the consignee company (arrow G). Then, remittance processing is performed to the shipper company according to the collection status (arrow H).
The delivery information management system for processing the transaction information of the merchandise between the consignor company and the consignment company proposed as an embodiment of the present invention is based on the transaction credit information based on the parcel delivery information from the consignor company to the consignment company. Is acquired and processed, and the credit management to be performed by the shipper company is supported.
In the following, the delivery information management system according to the present embodiment will be described assuming that the delivery management apparatus described later is installed in the delivery company and the transaction credit information management apparatus is installed in the support company, either the delivery company or the support company. In addition, the transaction credit information management device according to the present invention may be installed and operated in a business other than a logistics company such as a delivery company, such as a credit information providing service business. The installation and operation entity of the system and apparatus is not limited to the delivery company and the support company.

Specifically, this delivery information management system receives the credit limit for the consignee company from the consignor company, and when the parcel for the consignee company is shipped from the consignor company, the consignor company to the consignee company before that time. The processing of calculating the amount to be paid from the consignee company to the consignor as the consideration for the package, and when the account receivable exceeds the credit limit, Processes set in advance by the company are executed.

FIG. 3 shows the configuration of the delivery information management system according to the embodiment of the present invention. As shown in the figure, the delivery information management system 1000 includes a delivery person terminal 200, a delivery management device 300, a transaction credit information management device 400, and a bill issuing device 500. The delivery person terminal 200 is a computer terminal operated by a delivery person in charge of the delivery company, and is on the delivery route of the package such as a PDA (Personal Digital Assistant) carried by the delivery person or a collection shop or delivery shop of the delivery company. This applies to computer terminals installed at each business office.
In the figure, a shipping source terminal 100 is a computer terminal installed in a shipper company. Each terminal and apparatus in the figure are appropriately connected by known communication means such as LAN, WAN, and the Internet. Each terminal and device are configured to be able to transmit / receive data or information to / from each other via the communication means.
Here, it is assumed that the delivery person terminal 200 and the delivery management device 300 are installed and used in the delivery company, and the transaction credit information management device 400 and the bill issuing device 500 are installed and used in the support company. However, each device may be installed in one place, or may be installed in different places or under different management entities.

The delivery management device 300 manages package delivery processing at a delivery company and includes a delivery record storage unit 301. The delivery record storage unit 301 is a storage area for various data related to packages to be delivered (hereinafter referred to as “delivery record data” as appropriate).

FIG. 4 shows the structure of delivery result data. In the “delivery ID” field, an ID that uniquely identifies a package delivered by the delivery company, that is, a slip number is recorded. The item name of the delivered package is recorded in the “item name” field, the identification information of the shipper company is recorded in the “shipping source” field, and the identification information of the receiving company designated by the shipper company is recorded in the “shipping destination” field. Hereinafter, the identification information of the consignor company is referred to as the consignor company ID, and the identification information of the consignment company is referred to as the consignment company ID. The shipper company ID and the consignment company ID may be the respective company names.

Also, the date or date when the package was shipped from the shipper company is recorded in the “ship date” field, and the date or date when the package arrived at the consignee company is recorded in the “date of arrival” field. In the “price” field, the price of goods shipped from the shipper company, in other words, the amount to be paid from the receiver company to the shipper company as the price of the package is recorded. In the “payment due date” field, the due date when the consideration for the package should be paid from the consignee is recorded.

The delivery management device 300 receives delivery start data indicating the fact that the package to the consignee company has been shipped from the consignor company from the delivery staff terminal 200.
This delivery start data includes a delivery ID, product name, shipper company ID, consignee company ID, shipping date, price, payment date, and the like. Based on this, the delivery management device 300 creates delivery result data and delivers the delivery result. The data is stored in the storage unit 301. Further, the delivery management device 300 transmits delivery start data to the transaction credit information management device 400 together with the delivery ID.
In addition, the payment date included in the delivery start data is information about the payment conditions of the consignee company (for example, closing at the end of the month / transfer at the end of the next month) from the shipper company in advance to the delivery company, and this is used as company information of the consignee You may memorize | store in the company information storage part 403 mentioned later. In this case, it is not necessary to include the due date in the delivery start data, and the due date information of the relevant consignee company stored in the company information storage unit 403 is posted in the “payment due date” field of the delivery result data.

In the course of delivery of the parcel by the delivery company, the date and time data on which delivery processing was performed is sequentially input from the delivery person terminal 200 of each sales office to the delivery management device 300, and the delivery management device 300 uses this as delivery result data. Is recorded in the corresponding record of the delivery record storage unit 301 in association with the delivery ID.
When the parcel is delivered to the consignment company and the parcel delivery is completed, the delivery completion data is transmitted from the delivery staff terminal 200 to the delivery management device 300. This delivery completion data includes delivery ID and delivery date / time data. The delivery management device 300 identifies a record of delivery record data by the delivery ID, and sets the arrival date in the arrival date field of the record.

The transaction credit information management device 400 processes the transaction credit information of the consignee company and supports credit management to be performed for the consignee company in the consignor company. The invoice issuing device 500 generates invoice data for charging the consignment company for the price of the package shipped to the consignee company in the consignor company. Detailed configurations of both apparatuses will be described later.

FIG. 5 is a block diagram showing a mechanism configuration 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 limit amount storage unit 402, a company information storage unit 403, an accounts receivable information storage unit 404, and a statistical information acquisition unit 405. A statistical information providing unit 406, a limit amount receiving unit 407, a company information obtaining unit 408, a screening unit 409, a credit information providing unit 410, an accounts receivable information updating unit 411, an accounts receivable amount calculating unit 412, , A determination unit 413 and an alert notification unit 414.

In addition, each block shown in the block diagrams of the present specification and drawings can be realized in hardware by an element such as a CPU of a computer or a mechanical device, and can be realized by software in a computer program. Represents functional blocks that are realized by their cooperation. Therefore, those skilled in the art will understand that these functional blocks can be realized in various forms and forms by a combination of hardware and software.

The statistical information storage unit 401 is a storage area in which data derived by predetermined statistical processing on the delivery record data held in the delivery record storage unit 301 (hereinafter referred to as “delivery statistics data” as appropriate) is stored. This delivery statistical data is created for each consignor company or consignee company.

FIG. 6 shows the structure of delivery statistical data. In the “Company ID” field, the identification information of the shipper company or the receiving company is displayed. In the “Package Average Price” field, the average price of the package delivered to the company. In the “Shipment Period” field, the company starts shipping the package. After that, in the “Recent Shipping Date” field, the shipping date of the package recently shipped by the company is recorded. In the “Destination list” field, the company IDs of one or more destination companies that are the destinations of the packages shipped by the company, the “weekly average number of shipments” field are the average number of packages shipped by the company, In the “weekly shipment quantity history” field, the number of packages shipped by the company is recorded on a weekly basis.
Here, as will be described later, the delivery statistics data is created by aggregating delivery record data, which is a delivery record of delivery of the package by the delivery company, for each shipper company or consignee company. Prior to the delivery statistical data shown in FIG. 6, the delivery record data describes the logistics relationship with a plurality of delivery destinations (or delivery source) companies for one receiving company (or shipper company), for example, as shown in FIG. 7. Has been. The delivery result data is data describing a one-to-one relationship between one consignor company and one consignee company, whereas the delivery statistics data is logistics information between one consignor company and a plurality of consignee companies. Or, the distribution information of one consignee company and a plurality of consignor companies is described, and the data describes the distribution information obtained from a one-to-N (plurality) relationship. In this way, the delivery statistical data shows the distribution information grasped by looking at the 1-to-N relationship based on the delivery record data describing the 1-to-1 relationship, and the evaluation information of the company useful for credit management. It is to provide.

The limit storage unit 402 is a recording area in which data set from the shipping source terminal 100 for credit management in the transaction credit information management apparatus 400 (hereinafter referred to as “credit setting data” as appropriate) is recorded. The credit setting data includes a consignor company ID, a consignment company ID, an upper limit on the total price of the package to be shipped to the consignment company (hereinafter referred to as “credit limit” as appropriate), and a package shipped to the consignment company. Data specifying the operation to be executed by the transaction credit information management apparatus 400 when the total price exceeds the credit limit (hereinafter referred to as “excess operation” as appropriate). As an operation at the time of excess, for example, the transaction credit information management device 400 transmits an e-mail indicating that the credit limit has been exceeded to the shipping source terminal 100, or transmits a facsimile with the content to the shipper company. May be specified. Further, for example, it may be specified that the delivery company stops delivery of the package to the receiving company.

The company information storage unit 403 is a storage area in which consignee company data indicating various information related to the consignee company is stored. This receiving company data is composed of various company information of the receiving company and information that is assumed to affect the payment of the value for the delivered package.

FIG. 8 shows an example of the structure of the information part that is assumed to affect the payment of the consideration in the structure of the consignee data. The “company ID” field records the receiving company ID. In the “External Rating” field, the rating information of the company by an external rating agency, in the “Non-delivery Information” field, information on non-delivery and defaults generated by the company, and in the “Stock Price History” field, the stock price of the company. Each situation of change from the past is recorded. The “Payable amount history” field shows the status of changes in the total price of undelivered parcels delivered to the consignee company, and the “Credit limit history” field shows the consignment company from the consignor company. The status from past to present is recorded for each credit limit set for.

The accounts receivable information storage unit 404 is a storage area for storing data relating to a package in an account receivable state between the shipper company and the consignee company (hereinafter referred to as “account data” as appropriate). The A / R data includes a “delivery ID” field, a “product name” field, a “shipping source” field, a “shipping destination” field, and a “price” similar to the delivery result data shown in FIG. Field and a “payment due” field.

The statistical information acquisition unit 405 acquires the delivery result data held in the delivery result storage unit 301 of the delivery management device 300, performs predetermined statistical processing on the delivery result data, and is derived by the statistical processing. The result is stored in the statistical information storage unit 401 as delivery statistical data.

Delivery statistical data can be generated by the statistical information acquisition unit 405 searching and specifying delivery result data in which the same consignee ID is set. For example, if the delivery history data is statistically processed with a specific consignee ID as A company, the “company ID” in the delivery statistics data is A company, and the “shipping period” is the latest from the oldest shipment date of the package delivery history in A company. The period until the date of shipment, “Recent Shipment Date” is the latest shipment date of the package delivery history, “Shipping Address List” is the list of shipping addresses delivered by Company A, and “Weekly Average Shipment Number” is In the company A, the average number of packages shipped each week, “weekly shipment history”, is set with various package shipments up to a predetermined past week.

The statistical information acquisition unit 405 causes the statistical information storage unit 401 to store data obtained by further abstracting the statistical processing results as delivery statistical data, instead of the results derived by statistical processing of the delivery result data. Also good. In that case, the statistical information acquisition unit 405 classifies the data of each item calculated by the statistical processing into any of a plurality of categories each having a predetermined width, and the data belonging to the same category is classified into the same symbol or the like. It may be converted. For example, “Delivery period” is classified as “D” for less than 3 months, “C” for 3 months or more and less than 6 months, “B” for 6 months or more but less than 1 year, “A” for more than 1 year, “Weekly average shipment quantity” is classified as “D” for less than 20 items, “C” for 20 to less than 50 items, “B” for 50 to less than 100 items, and “A” for more than 100 items. Etc.

In response to the delivery statistical data reference request from the shipping source terminal 100, the statistical information providing unit 406 transmits the delivery statistical data associated with the company ID specified in the reference request to the shipping source terminal 100.
The limit amount receiving unit 407 receives the credit setting data from the shipping source terminal 100 and stores it in the limit amount storage unit 402.

The company information acquisition unit 408 is a data input unit of the transaction credit information management apparatus 400, a shipping source terminal 100, or a company information database published by an external credit research company (hereinafter referred to as “external DB” as appropriate). The company information of the consignment company is received and input to the examination unit 409.
The company information to be entered includes company information such as capital, number of employees, history, management, bank, payment terms, basic company information such as business details and location, purchase and sales, major shareholder information, Examples include commercial registration, real estate registration information, financial information, external evaluation information, salesperson information, and bankruptcy information.
The information input from the external DB includes information on economic conditions such as published industry trends, regional trends, and stock prices, such as the BOJ Tankan and corporate corporate statistics.

The examination unit 409 scores various types of information input from the company information acquisition unit 408 by statistical processing based on a predetermined determination criterion, and derives specific credit information that serves as an evaluation index of the business condition of the consignee company. As a method for deriving credit information, for example, a method of assigning items such as work history, scale, profitability, and financial index by a cumulative method, or assigning points by deducting risk items.
The examination unit 409 combines the derived credit information and information acquired from the external DB to generate company information of the consignee company, and further refers to the limit storage unit 402 and the accounts receivable information storage unit 404 to receive consignee company data. Is generated and stored in the company information storage unit 403. Further, basic information such as the company outline and location of the consignment company is stored in the company information storage unit 403 as master company information together with the data derived from the examination.

If the example of generation of consignee company data for "Company A" is shown, Company A is set in "Company ID" of consignee company data, and information on non-delivery or default of A company is set in "Non-delivery information". Is done. A flag indicating whether or not there is information such as non-delivery may be set. In the “stock price fluctuation history”, a stock price acquired from an external DB, here, a stock price from a predetermined past date to the current date is set as a history. In the “accounts payable history”, the record of the company A is specified among the accounts receivable data stored in the accounts receivable information storage unit 404, and the total value of the prices in the accounts receivable data is set. In the “credit limit history”, a record in which the receiving company ID is A company is specified among the credit setting data set in the limit amount storage unit 402, and the credit limit amount in the credit setting data is set as the current credit limit amount. Is set. When there are a plurality of records of company A, the average credit limit for each record may be set. The credit limit amount in a predetermined past period is held as the history.

The credit information providing unit 410 transmits and outputs the credit information derived by the screening unit 409 or the data stored in the company information storage unit 403 in response to a reference request from the shipping source terminal 100 or an external device. The credit information of the shipper company may be generated by the examination unit 409 and transmitted in response to a reference request from the shipping source terminal 100 or an external device. Further, the credit information derived by the screening unit 409 or the data stored in the company information storage unit 403 can be printed out in a form by a data output unit such as a printer of the transaction credit information management device 400.

When receiving the delivery start data and the delivery ID from the delivery management apparatus 300, the A / R information update unit 411 generates A / R data according to these data and stores it in the A / R information storage unit 404. In addition, the accounts receivable information update unit 411 receives deletion instruction data for instructing deletion of the accounts receivable data from the invoice issuing device 500, and receives the accounts receivable data associated with the delivery ID specified by the deletion instruction data. Delete from the accounts receivable information storage unit 404.

The accounts receivable amount calculation unit 412 acquires the consignor company ID and consignee company ID specified in the delivery start data received by the account receivable information update unit 411. The accounts receivable amount calculation unit 412 refers to the account receivable information storage unit 404, identifies the account receivable data in which the consignor company ID and the consignee company ID are set, and calculates the total value of the prices in each account receivable data. Calculate as the amount.

The determination unit 413 acquires the shipper company ID and the consignment company ID specified in the delivery start data received by the accounts receivable information update unit 411. The determination unit 413 refers to the limit amount storage unit 402, identifies the credit setting data in which the shipper company ID and the consignment company ID are set, and acquires the credit limit amount.

The determination unit 413 refers to the company information storage unit 403, identifies the receiving company data in which the receiving company ID is set as the company ID, and the receiving company data adversely affects the payment of the compensation for the package at the shipper company. Whether or not the content (hereinafter referred to as “negative information” as appropriate) is included. If the consignment company data does not include negative information, the credit limit is directly used as an alert threshold, and if negative information is included, the credit limit is discounted according to the negative information as an alert threshold. The determination unit 413 determines the size of the account receivable calculated by the account receivable amount calculation unit 412 and the alert threshold value.

As a method for calculating the alert threshold value, for example, the lower the evaluation of the external rating in the company data, the larger the credit limit amount can be subtracted to make the alert threshold value. Further, when non-transit information is set, the credit threshold may be subtracted from a predetermined amount, typically a large amount, to obtain an alert threshold value. Also, when the stock price fluctuation history shows a downward trend in stock prices, or when the accounts payable history shows fluctuations over a predetermined tolerance, or when the credit limit history shows a downward trend, the credit limit amount is subtracted by a predetermined amount. The alert threshold may be used.

When the determination unit 413 determines that the amount of accounts receivable has exceeded the alert threshold, the alert notification unit 414 refers to the limit amount storage unit 402 and executes an excess operation specified by the shipping source terminal 100. Typically, for the consignment company specified by the delivery start data, data instructing to stop delivery of the parcel to the consignment company is transmitted to the delivery management apparatus 300. In addition, an e-mail for notifying that the amount of accounts receivable for the consignment company has exceeded the credit limit is transmitted to the shipping source terminal 100. You may alert | report by the facsimile addressed to a shipper company.

FIG. 9 is a block diagram showing a mechanism configuration of the bill issuing device 500. The bill issuing device 500 includes a bill storage unit 501, a bill creation unit 502, a bill transmission unit 503, a payment notification reception unit 504, and a deletion support unit 505.

The bill storage unit 501 is a storage area for storing bill data generated by the bill creation unit 502. The invoice creation unit 502 refers to the accounts receivable data stored in the accounts receivable information storage unit 404 of the transaction credit information management device 400, and sends the invoice data that the consignor company should issue to the consignee company to the consignor company. Instead, it is generated and stored in the bill storage unit 501. Specifically, the invoice creation unit 502 identifies receivable data having the same payment date for the receivable data of a specific consignor company and consignee company, and sets the invoice data based on the receivable data. .

FIG. 10 shows the structure of bill data. This figure schematically shows a state where the invoice data generated by the invoice creation unit 502 is set in the invoice form.
In the “Bill ID” field, identification information for uniquely specifying the bill data generated by the bill issuing device 500 is set. In the “Receiver name” field, the name of the consignee and the recipient company ID, in the “Payment date” field, the due date that became the specific condition of the A / R data, and in the “Billing amount” field, the price of the package set in the details A total amount is set for each. After “detail”, one record is set for each record of the accounts receivable data, and data of each field of the accounts receivable data is set to each field of the detail record.

The bill sending unit 503 sends the bill data stored in the bill storage unit 501 to the shipping source terminal 100. Thereafter, the consignor company sends an invoice to the consignee company based on the invoice data, and receives the consideration for the shipped package from the consignee company. The payment notification reception unit 504 receives a payment notification indicating that the price of the package has been paid from the consignment company from the shipping source terminal 100. This payment notification includes an invoice ID.
In addition, when the support provider performs collection for the consignment company, the invoice issuing device 500 issues a bill, which is sent to the consignment company for collection. If the money is collected, the support provider inputs the fact to the payment notification receiving unit 504.

When the payment notification reception unit 504 receives a payment notification, the deletion instruction unit 505 acquires the invoice ID specified in the payment notification. The deletion instruction unit 505 refers to the bill storage unit 501, identifies bill data associated with the bill ID, and identifies the delivery ID of the details set in the bill data. Then, the deletion instruction unit 505 transmits to the transaction credit information management device 400 deletion instruction data for deleting the sales receivable data associated with each delivery ID from the sales receivable information storage unit 404. This deletion instruction data includes a delivery ID.

Next, the operation according to the above configuration will be described.
FIG. 11 is a flowchart showing the operation of the transaction credit information management device 400. The statistical information acquisition unit 405 acquires the delivery result data from the delivery result storage unit 301, generates the delivery statistical data, and stores it in the statistical information storage unit 401 (S10). The statistical information providing unit 406 transmits delivery statistical data related to the consignee company to the shipping source terminal 100 (S12). The limit amount receiving unit 407 receives the credit setting data from the shipping source terminal 100 and stores it in the limit amount storage unit 402 (S14). Although not shown, the company information acquisition unit 408 acquires company information from an external DB or the like when detecting that a predetermined start condition is satisfied, for example, that the current time has reached a predetermined time, and a screening unit 409 , Receiving company data is generated with reference to the limit amount storage unit 402 and the accounts receivable information storage unit 404 and stored in the company information storage unit 403.

FIG. 12 is a flowchart further illustrating the operation of the transaction credit information management device 400. When the sales receivable information update unit 411 receives the delivery start data from the delivery management device 300 (Y in S20), it generates the sales receivable data and stores it in the sales receivable information storage unit 404 (S22). The accounts receivable calculating unit 412 refers to the accounts receivable information storage unit 404 and calculates the amount of accounts receivable for the consignee company at the consignor company (S24). The determination unit 413 determines an alert threshold with reference to the limit amount storage unit 402 and the company information storage unit 403, and compares the amount of accounts receivable and the alert threshold.

When the amount of accounts receivable exceeds the alert threshold (Y in S26), the alert notification unit 414 transmits instruction data for stopping delivery of the package to the consignee company to the delivery management device 300 (S28). At the same time, the alert notification unit 424 transmits an alert in a predetermined mode to the shipping source terminal 100 (S30). When the amount of accounts receivable is equal to or less than the alert threshold (N in S26), the process returns to S20. Upon receipt of the deletion instruction data from the bill issuing device 500 (N in S20, Y in S32), the accounts receivable information update unit 411 deletes the accounts receivable data in accordance with the deletion instruction data (S34), and returns to the process of S20. . When the deletion instruction data is not received (N in S32), the process returns to S20.

FIG. 13 is a flowchart showing the operation of the bill issuing device 500. The bill creation unit 502 waits until a predetermined trigger for creating bill data is detected (N in S40). When this predetermined opportunity is detected, for example, when it is detected that the current date is the date on which the invoice data should be created (Y in S40), the invoice creation unit 502 displays the invoice information storage unit 404. The bill data is generated and stored in the bill storage unit 501. The bill sending unit 503 sends the bill data held in the bill storage unit 501 to the shipping source terminal 100 (S42). When the support provider performs collection, the invoice is issued by the invoice issuing device 500 and sent to the consignee company. When the payment notification receiving unit 508 receives the payment notification from the shipping source terminal 100 (S44) or when the support provider who has collected the money inputs, the deletion instruction unit 505 transmits the deletion instruction data to the transaction credit information management device 400. (S46).

According to the present embodiment, a supporter or a delivery company entrusted with credit management support from a consignor company, or an information providing service provider handling logistics information, performs credit management that the consignor company should perform on the consignee company. This makes it possible to reduce the burden of processing transaction credit information and credit management work at the shipper company.

In addition, according to the present embodiment, since transaction credit information and credit management are performed in the logistics system, when the amount of accounts receivable exceeds the credit limit, the package being delivered from the consignor company to the consignee company Can be stopped, thereby preventing the loss of the credit amount exceeding the credit limit by the shipper company. In other words, since the distribution of the package itself to the consignee company is stopped, it is possible to prevent the damage of the consignor company that may occur due to an abnormal situation on the consignee company side. Therefore, the shipper company can ship the package to the receiving company with peace of mind.

Furthermore, according to the present embodiment, since the invoice data that the consignor company should issue to the consignee company is created in the support company, the burden of the invoice creation work of the consignee company is reduced. Further, since the parcel for which the consideration has been paid is deleted from the accounts receivable data, the credit management based on the latest accounts receivable state is executed.

Also, according to the present embodiment, the alert threshold value is adjusted according to the receiving company data, so that an appropriate alert can be notified to the shipper company following the change in the management status of the receiving company.

Furthermore, according to the present embodiment, it is possible to support the setting of the credit limit for the consignee company by providing the delivery statistical data regarding the consignee company to the consignor company. In other words, the transaction credit information management device 400 can provide a material for judging whether or not the consignee company is a reliable company from the viewpoint of delivery results, that is, rating information based on the delivery results to the shipper company. It is. A general credit research company or a rating company is rated for large companies, and the company information of small and medium-sized companies is often not registered, but the transaction credit information management device 400 includes the reliability of the company including small and medium-sized companies, In other words, it provides a rating. In addition, when a consignee company newly starts a transaction with a consignee company at a remote location, it can include whether the consignee company is a real company by receiving delivery statistics data related to the consignee company. The shipper company can easily determine the start of the transaction and the setting of the scale of the transaction.

Further, according to the present embodiment, the distribution statistical data is not replaced with the statistical processing result itself but with the abstract data having a width corresponding to the result, so that the distribution statistical data is disclosed by rounding. It is easier to obtain the consent of the consignee company. This is a favorable mode for a consignment company that wants to start a new transaction with a consignor company but is uncomfortable with the statistical results of the delivery performance data.
Furthermore, according to the present embodiment, the delivery statistical data, which is the transaction history information of the shipper company or the receiving company, can be output from the statistical information providing unit 406 to the external device, and the credit derived by the examination unit 409 can be output. Information and data stored in the company information storage unit 403 are also provided so that they can be output from the credit information providing unit 410 to the external device, so that acquisition of transaction information of the shipper company or consignee company and credit information of the company can be obtained. It is easy to share such information between the shipper company and the support company, and also provide it to the loan company such as a bank as the shipper company evaluation information, so that the objective evaluation of the shipper company's performance and understanding of the management status can be achieved. It becomes possible and can contribute to the promotion of loans to shipper companies.
As described above, the delivery information management system 1000 according to the present embodiment has advantages for both the shipper company and the consignment company in the distribution between companies, and can thereby promote the distribution between companies.

The present invention has been described with an exemplary embodiment. This embodiment is an exemplification, and it is understood by those skilled in the art that modifications can be made to the combination of these components and processing processes, and such modifications are also within the scope of the present invention.
For example, the delivery information management system 1000 can be configured to provide only some services by omitting some configurations. Specifically, when the invoice issuing device 500 is provided as in the present embodiment, the accounts receivable information is automatically updated, and the correction process of the amount of accounts receivable is facilitated. In addition to a service for notifying a shipper company when a credit limit is exceeded, a billing service can be provided. On the other hand, even if the invoice issuing device 500 is omitted, a credit management support service can be provided, and such a modification is within the scope of the present invention.

In the embodiment, the delivery statistics data of a company is various data when the company becomes a package shipping source. In a modified example, the delivery statistics data may include various data when the company becomes a consignee company that is a package receiver. For example, as data corresponding to “weekly shipment number history” from “shipment period” in FIG. 6, “delivery period”, “recent arrival date”, “shipping source list”, “weekly average arrival number”, “weekly arrival number history” May be included.
Since the shipper company can also refer to these data, it is possible to grasp the state of the consignee company more clearly, and it becomes easy to set an appropriate credit limit. Further, instead of acquiring statistics on a weekly basis, statistics may be acquired on a monthly or yearly basis. In addition, “Stock Price Fluctuation History” is omitted as a modified example of the receiving company data, “Payment Method” field is included as a modified example of the accounts receivable data, “Bill Settlement”, “Bank Transfer”, etc. Or may be stored in the field.

Further, in the embodiment, the determination unit 413 adjusts the credit limit according to the receiving company. In the modification, the determination unit 413 may adjust the credit limit according to the delivery statistics data in addition to or instead of the consignee data. In other words, when the delivery statistical data includes predetermined negative information that is expected to adversely affect the payment for the package at the receiving company, such as a drastic decrease in cargo movement, the alert threshold may be calculated by discounting the credit limit . The credit limit can be adjusted from the viewpoint of the result of statistical processing of the delivery results, and it becomes easy to calculate an appropriate alert threshold value.

Also, in the embodiment, the alert notification unit 414 executes the operation when the amount of accounts receivable exceeds the alert threshold. In the modified example, the alert notification unit 414 may execute the excess operation when it is determined in the determination unit 413 that negative information is included in the consignment company data. For example, when the consignment company gives a failure, even if the amount of accounts receivable is within the alert threshold, an alert is notified to the consignor company, and it is possible to consider whether or not to continue the delivery.

Furthermore, in the embodiment, transaction credit information management device 400 deletes the accounts receivable data based on the deletion instruction data from bill issuing device 500. In the modification, the shipping source terminal 100 directly notifies the transaction credit information management device 400 of the delivery ID of the package for which the consideration has been paid, and deletes the receivable data specified by the delivery ID notified by the device. You may make it do.
Further, in the embodiment, the invoice data is transmitted from the invoice transmission unit 503 to the shipping source terminal 100, the shipper company issues an invoice, the invoice is sent to the receiving company, and the price of the package is received. A process of inputting a payment notification to the invoicing device 500 is shown. In the modified example, the invoice is issued to the consignee company by the invoicing issuer 500 in the support company, and this is sent from the support company to the consignee company. May be input to the payment notification receiving unit 504 of the bill issuing device 500. In addition, when the support provider collects money, when the invoice is issued by the shipper company or the support company, the support company may pay the bill amount received by the shipper company.
In the embodiment, the sender of the delivery start data for the delivery management device 300 is the delivery person terminal 200. In the modification, the transmission source may be the shipping source terminal 100.

Any combination of the above-described embodiments and modifications is also useful as an embodiment of the present invention. The new embodiment generated by the combination has the effects of the combined embodiment and the modified examples.

It should also be understood by those skilled in the art that the functions to be fulfilled by the constituent elements described in the claims are realized by the individual constituent elements shown in the embodiments and modified examples, or by linking these elements.

100 shipping origin terminal, 200 delivery person terminal, 300 delivery management device, 400 transaction credit information management device, 500 invoice issuing device, 1000 delivery information management system

Claims

In a device for processing the transaction credit information of the consignee company in the merchandise sales transaction between the consignor company that ships the package according to the order and the consignee company that is the orderer who receives this package,
A limit amount storage unit for storing a credit limit amount set for the consignee company from the consignor company;
An accounts receivable information storage unit for storing the price of the accounts receivable that is paid from the consignee company to the consignor company when the consignee company receives the package shipped from the consignor company;
When a package is shipped from the consignor company to the consignee company, the sales account information storage unit is referred to calculate the sum of the cost of accounts receivable prior to that time as an account receivable amount. A charge calculation unit;
An alert notification unit for notifying the shipper company of a predetermined alert when the amount of accounts receivable exceeds the credit limit;
A transaction credit information management device comprising:
An account receivable information update unit for excluding information related to the account receivable baggage stored in the account receivable information storage unit when the cost of the account receivable is paid to the shipper company. The transaction credit information management apparatus according to 1.
A statistical information acquisition unit for acquiring statistical information derived from a predetermined statistical process with respect to the delivery result, which is information based on the delivery result of the package related to the receiving company by the package delivery company;
A statistical information providing unit for providing the statistical information to the shipper company in order to support setting of a credit limit for the consignee company by the shipper company;
The transaction credit information management device according to claim 1, comprising:
Company information acquisition department that acquires information on management such as the business situation and financial status of the consignee company from the outside as company information,
A screening unit for deriving credit information related to the transaction with the consignee company by a predetermined statistical process for the company information;
A credit information providing unit that provides the derived credit information to the shipper company or the outside; and
4. The transaction credit information management apparatus according to claim 1, further comprising:
The alert notification unit has a function of notifying the shipper company of a predetermined alert when the credit information includes contents that are assumed to have an adverse effect on the payment of the cost of goods receivable by the consignment company. The transaction credit information management device according to claim 4.
When credit information includes information that is expected to have a negative impact on the payment of goods payable for accounts receivable by the consignee company, increase or decrease the value of the accounts receivable and the threshold set to a value smaller than the credit limit. A determination unit for determining,
5. The transaction credit information management apparatus according to claim 4, wherein an alert notification unit has a function of notifying a shipper company of a predetermined alert when the amount of accounts receivable exceeds the threshold value.
The alert notification unit has a function of transmitting data for stopping delivery of a package to a consignee company to an external device that manages delivery of the package at a delivery company. The transaction credit information management device according to any one of the above.
In a method of processing transaction credit information using a device for processing transaction credit information of the consignee company in a merchandise sales transaction between a consignor company that ships the package according to the order and the consignee company that is the orderer who receives this package,
Receiving a credit limit setting for the consignee from the consignor company;
Memorizing the cost of accounts receivable shipped from the shipper company;
A step of calculating the amount of accounts receivable prior to that time as a receivable when a package is shipped from the consignor to the consignment company;
Notifying the shipper company of a predetermined alert when the amount of accounts receivable exceeds the credit limit;
A transaction credit information management method characterized by causing the apparatus to execute.