WO2021153791A1 - Dispositif de gestion de crédit, dispositif de mise en correspondance et procédés et programmes associés - Google Patents

Dispositif de gestion de crédit, dispositif de mise en correspondance et procédés et programmes associés Download PDF

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Publication number
WO2021153791A1
WO2021153791A1 PCT/JP2021/003410 JP2021003410W WO2021153791A1 WO 2021153791 A1 WO2021153791 A1 WO 2021153791A1 JP 2021003410 W JP2021003410 W JP 2021003410W WO 2021153791 A1 WO2021153791 A1 WO 2021153791A1
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information
producer
contract
delivery
transporter
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PCT/JP2021/003410
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English (en)
Japanese (ja)
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泰央 谷口
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株式会社ロングターム・インダストリアル・ディベロップメント
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Priority to JP2021574733A priority Critical patent/JPWO2021153791A1/ja
Publication of WO2021153791A1 publication Critical patent/WO2021153791A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/02—Agriculture; Fishing; Forestry; Mining

Definitions

  • the present invention relates to a credit management device, a matching device related thereto, their methods and programs.
  • the device described in Patent Document 1 includes detailed information on agricultural and marine products as collateral, types of agricultural and marine products, ownership of harvested agricultural and marine products, estimated sales amount of them, availability of transfer collateral, and availability of account management. It is evaluated by receiving the input of.
  • the detailed information on agricultural and marine products includes the loan balance of the land, area, business years, facilities, etc. from which the agricultural and marine products are acquired, and the types of agricultural and marine products include crops, livestock products, and farmed fish. ..
  • the present invention has been made in view of such circumstances, and provides a credit management device capable of utilizing the evaluation of a growing crop for credit management, a matching device related thereto, methods and programs thereof. With the goal.
  • the credit management device of the present invention associates the producer ID and the producer information management unit that manages the registration range information associated with the producer ID with the producer ID. Based on the field image acquired via the communication network and the image management unit that manages the attached position information associated with the field image, and the field image and the attached position information, the crop is recognized from the field image and the recognition is performed.
  • An image determination unit that determines the growth state of the crop, an evaluation value calculation unit that calculates an evaluation value derived from the result of the determination, and a credit associated with the producer ID using the evaluation value as one factor. It is characterized by having a scoring unit for quantitatively scoring.
  • the matching device of the present invention has a delivery contract management unit that manages the collection place, the delivery place, and the amount of the product to be delivered as delivery contract information for each delivery contract, and the loadable amount and the movement time for each carrier.
  • the transporter information management unit that manages as the transporter information
  • the transport condition determination unit that determines the success or failure of matching for the combination of the delivery contract information and the transporter information that are managed respectively, and the establishment in the matching are established.
  • the transport information specifying unit that specifies the transport route of the transporter and the transport contract associated with the travel route, and the registered contact information of the contractor of the delivery contract are used for the transporter information. It is characterized by including a transportation contract confirmation unit for confirming whether or not the movement route and the transportation contract have been accepted, and confirming whether or not the transportation contract has been accepted for the registered contact information of the carrier.
  • the evaluation of the growing crop can be used for credit management.
  • FIG. 1 It is a flowchart which shows the example of the calculation of the transportation route. It is a figure which shows each of the two routes frequently used by a transporter (a)-(c), and the route specified by an agricultural support system. It is a figure which shows the information of the pattern of the transportation route, the information of the desired transportation, and the information of the transportation conditions recorded respectively in (a) to (c).
  • (A) and (b) are diagrams showing screen display examples of profile registration and transportation request on the seller terminal, respectively. It is a figure which shows the screen display example of profile registration and schedule registration in a transporter terminal, respectively, (a) and (b).
  • seeds, fertilizers, herbicides, pesticides, etc. are needed at the beginning of crop cultivation, but income is only a few months after harvest. For example, when operating a lettuce field, cultivation is carried out every 5 to 6 cycles a year, so income cannot catch up with such a cycle. Producers do not have a channel to lease high-tech farming equipment and have no choice but to rent inferior farming equipment through brokers for high rental fees or to cultivate inferior farming equipment over a long period of time with simple equipment.
  • the inventor of the present invention has repeatedly studied and concluded that the following new measures are necessary to support agriculture in areas where the foundation for conducting business is underdeveloped.
  • Agricultural banks can provide loans for agriculture. For example, a revolving loan with a credit limit of 200 pesos and an annual interest rate of 20%. Loans may be discounted according to repayment records and monitoring records. As will be described later, since the crops can be sold through the agricultural support system, the agricultural bank can repay the loan based on the producer ID on the agricultural support system.
  • agricultural banks can predict producers' cash flows and strengthen credit management.
  • Agricultural support systems can also be used to directly match consumers (wholesalers, retailers, consumers) with producers so that they can sell their crops at market prices. In this way, producers can be provided with opportunities to participate in the market economy, improve profitability, and develop the rural economy.
  • the agricultural support system and the credit management device and matching device included in the agricultural support system will be described below.
  • FIG. 1 is a schematic diagram showing the entire agricultural business.
  • the agricultural support system of the present invention is partially applied.
  • Figure 1 mainly shows transactions with each player (business or organization), and the agricultural support system does not appear in the figure but is functioning behind the scenes.
  • producers include land owners and tenant producers who do not own land. At the stage when the producer starts cultivation, it is necessary to rent agricultural equipment and purchase seeds, fertilizers, herbicides and pesticides. In that case, it is necessary to receive the agricultural equipment etc. from the provider through the broker and pay the broker the cost of the cost plus the margin. In addition, the peasant producer will rent the land by paying the broker the cost of the original rent plus the margin.
  • the agricultural support system of the present invention can be used.
  • an online financial channel for producers will be formed as an agricultural banking system.
  • banks can operate without heavy infrastructure.
  • a representative of each village may be assigned to the agent, who may open a bank account on behalf of all producers in the village. In such cases, the distribution and collection of cash to the producer is done through the agent.
  • the cash balance of each producer is held only on the record (ledger) basis of the agricultural bank.
  • the delinquency rate is considered to be essentially low.
  • credit risk is reduced by forming groups of producers.
  • the World Bank's Group-to-Individual Debt Report provides evidence of low long-term delinquency rates from small loan groups in the Philippines.
  • Producers can access the agricultural support system online by themselves or from terminals through agents, and can apply for loans and provide information for their execution.
  • the loaned producers cultivate, plant, grow and harvest crops.
  • Crop refers to all cultivated plants grown in the fields. Typical crops include lettuce, rice (“Parai”), bananas, corn, coconuts and sugar cane.
  • Equipment providers can acquire technical information and equipment from academic institutions and equipment manufacturers in order to improve the efficiency of agriculture as a whole.
  • Equipment providers can receive notifications about training, seminars, equipment (tractors, combines, etc.), bazaars, etc. from the agricultural support system using their own terminals. Training is preferably performed via SNS.
  • the crop is provided to the consumer through the buyer or the broker.
  • Consumers include crop refiners, processors, retailers and consumers.
  • the amount of sales based on the producer's price is recorded, and the amount obtained by subtracting the buyer's or broker's fee from the amount of sales is the gross profit.
  • consumers buy food from refiners, processors and retailers at consumer prices, but when using agricultural support systems to perform online matching between producers and consumers. , Consumers will also be able to deal directly with producers.
  • the agricultural support system makes it possible to match producers (farmers, etc.) and customers (refiners, processors, retailers, individuals, etc.) online. As a result, producers will be able to sell their crops at market prices. Banks will be able to assess and manage credit risk by predicting farmers' cash flows from online matching history and crop image recognition. By recording the growth status of crops, it is possible to inform consumers who makes the crops and how. Such a mechanism can also contribute to the brand building of crops for producers.
  • the agricultural support system executes business management (product provision, customer information management, customer service, risk management) online. Therefore, it is not necessary to construct the initial infrastructure except IT.
  • the broker will end its role once, but it can also act as a high-value-added local staff, that is, an agent.
  • the buyer or broker can also obtain a loan from the Agricultural Bank.
  • FIG. 2 is a block diagram showing the configuration of the credit management device 110.
  • the agricultural support system 100 includes a credit management device 110 and an agricultural bank system 120 that are communicatively connected to each other. In the following description, an example of being divided for each device or system will be described, but each function may be integrated into one device.
  • the credit management device 110 maintains and evaluates the credit of the producer.
  • the agricultural bank system 120 can transfer money to the producer account 520 based on the producer ID.
  • the agricultural bank system 120 can also accept deposits from the producer account 520.
  • the credit management device 110 includes a producer information management unit 111, an image management unit 112, an image determination unit 113, an evaluation value calculation unit 114, and a scoring unit 115.
  • the credit management device 110 is a processing device such as a PC provided with a CPU and a memory, and each of the above parts functions by executing software.
  • the producer information management unit 111 manages the producer ID (account information) and the registration range information associated with the producer ID.
  • the producer information is transmitted from the producer terminal 510.
  • the producer terminal 510 may be prepared for each individual producer, or may be for an agent representing a plurality of producers.
  • the producer information management unit 111 may manage loan information such as credit information associated with the producer ID, presence / absence of unpaid payment, period, interest or repayment schedule.
  • the producer information management unit 111 can also manage the information posted from one producer ID in association with another producer ID. This allows producers to exchange relevant information online and form an online community. It is possible to exchange related information not only with the producers who receive the loan but also with the producers who use only the matching described later.
  • the image management unit 112 manages the field image acquired via the communication network in association with the producer ID and the attached position information associated with the field image.
  • the field image is preferably a satellite image determined by the registration range information. This makes it easy to obtain an objective image showing the growth state of the crop.
  • the satellite image can be acquired from, for example, a satellite image server 600 of a public institution via a communication network.
  • the field image may be an image taken by a mobile terminal based on the producer ID. This makes it possible to determine the growth state of the crop in detail. It is also possible to make a detailed judgment by supplementing the satellite image with the image taken by the mobile terminal.
  • An application for accessing the agricultural support system 100 (application for using the agricultural support system 100, the same applies hereinafter) is installed on the mobile terminal owned by the producer, and the photograph is taken while the application is running. By pressing the button, you will be guided to take an image.
  • Applications are preferably provided and managed online and are available for free download on mobile devices. It is preferable that the captured image is restricted so that it cannot be tampered with by the application. Further, when the image to be photographed becomes unclear due to camera shake, it is preferable to limit the image so that it cannot be photographed or transmitted.
  • GPS information is linked to the captured image and transmitted as an image with a GPS tag, and the credit management device 110 that receives the image is in the field where the crops captured in the captured image are used by the producer based on the registration range information. It is also judged whether or not it is growing in.
  • the application preferably has the ability to notify the user to send images on a regular basis.
  • the image management unit 112 periodically acquires an image conforming to a predetermined condition as a field image in association with the producer ID.
  • the images that can be used for crop evaluation can be updated to ensure the latest evaluation.
  • Monitoring becomes possible by the image management unit 112. For example, regular uploading of GPS-tagged images can minimize on-site monitoring (minimization of on-site monitoring).
  • the image determination unit 113 recognizes the crop from the field image based on the field image and the attached position information, and determines the growth state of the recognized crop. It is preferable to use AI for crop recognition. AI refers to analysis software using, for example, deep learning as a machine learning method using a neural network having an input layer, a hidden layer, and an output layer, and enables appropriate output for an input by learning using teacher data. By adding the evaluation of the growth condition of each crop, it is possible to evaluate the entire field. It is preferable that the image determination unit 113 determines the quantity in addition to the growth state of the crop in order to improve the accuracy of the evaluation.
  • the type of crop may be included in the information input to the producer terminal 510 by the user and transmitted to the agricultural support system 100, or may be determined by image recognition.
  • the evaluation value calculation unit 114 calculates the evaluation value derived from the result of the determination. For example, the evaluation value calculation unit 114 calculates the sales amount based on the type of crop, the quantity of crops, and the growing state of crops. The valuation amount can be evaluated by incorporating other information, and the gross profit amount can be calculated instead of the sales amount.
  • the scoring unit 115 quantitatively scores the credit associated with the producer ID using the evaluation value as one factor. In this way, by determining the growth state and number of crops by image recognition and quantitatively scoring the credit, the evaluation of the growing crop can be used for credit management. As a result, it is possible to make it easier for micro-producers to obtain appropriate loans in countries where agricultural finance is not well developed.
  • the scoring unit 115 may score using the scale of the field, the type of crop, the history of profit, the repayment history, the age, etc. as factors based on the producer information. In addition, information such as receipts and payment histories collected by the operation of the agricultural support system 100 may be used.
  • the scoring unit 115 scores by referring to the transaction information associated with the producer ID as a further factor.
  • the transaction history of the producer can be reflected in the credit scoring, and credit management based on comprehensive evaluation becomes possible.
  • FIG. 3 is a sequence chart showing a credit management method.
  • the producer ID and the range information of the field are transmitted from the producer terminal 510 and registered in the agricultural support system 100 (step S101).
  • the field range information is associated with the producer ID and managed as registered range information.
  • the agricultural support system 100 evaluates the loan conditions such as the loan limit for the producer ID based on the information that can be obtained based on the producer ID (step S102), and transfers the evaluation information to the producer terminal 510. Transmit (step S103).
  • the producer decides the conditions such as the necessity of borrowing and the required amount of borrowing based on the received evaluation information.
  • the producer makes an offer to borrow from the producer terminal 510 to the agricultural support system 100 together with the information on the desired borrowing amount (step S104).
  • the agricultural support system 100 confirms the satisfaction of the loan conditions such as whether the desired borrowing amount exceeds the evaluation value, determines whether or not the borrowing is possible (step S105), and notifies the producer terminal of the determination result (step S105). Step S106).
  • the agricultural support system 100 If it is determined that borrowing is not possible, the agricultural support system 100 returns to the standby state, and if it is determined that borrowing is possible, the loan is executed to the producer account 520 (step S107). Monitoring is performed for credit protection of the loan executed and credit for future loan (step S108). The details of monitoring will be described later. Monitoring should be continuous.
  • the agricultural support system 100 evaluates the credit risk using the monitoring result (step S109), and notifies the person in charge of the agricultural bank of the evaluation result. As long as there is no problem in the evaluation, the loan will be continued, the producer will pay the interest rate to the agricultural bank, and the agricultural support system 100 will collect the loan at an appropriate time (step S110).
  • monitoring is basically performed using satellite images of the producer's fields.
  • 4 (a) and 4 (b) are diagrams showing examples of zoom-out and zoom-in satellite images of fields of specific producers, respectively. Based on the registration range information corresponding to the producer ID, the agricultural support system 100 is based on the zoomed-out satellite image as shown in FIG. 4A and the corresponding position information, and the plot of the producer's field on the image. Can be identified.
  • FIG. 5 is a diagram showing an example of an image taken by a communication terminal of a producer.
  • the condition of the photographed image used is that it is photographed from the height of the human line of sight, the entire field is reflected, and each individual can be identified. When the conditions are cleared, it is preferable to notify the user from the application running on the mobile terminal. If the field is large, it is necessary to cover the entire field by taking multiple shots.
  • FIG. 6 is a block diagram showing the configuration of the matching device 130.
  • the agricultural support system 100 includes a matching device 130.
  • the matching device 130 includes a trading information management unit 131, a price calculation unit 132, a condition presentation unit 133, a contract determination unit 134, a delivery contract management unit 135, a transporter information management unit 136, and a transportation condition determination unit. It includes 137, a transportation information identification unit 138, and a transportation contract confirmation unit 139.
  • the matching device 130 is a processing device such as a PC provided with a CPU and a memory, and each of the above parts functions by executing software.
  • the trading information management unit 131 acquires sales request information including the type and sales amount of the product acquired from the seller terminal, or purchase request information including the type and purchase amount of the product acquired from the purchaser terminal.
  • the seller is a producer or broker and the buyer is a buyer, supermarket or consumer.
  • the price calculation unit 132 calculates the selling price for the sales desired information or the purchase desired information. A reasonable price may be presented from information including the desired selling price and the desired purchasing price. As a result, it is possible to buy and sell products that are delivered at different prices depending on the type, such as crops.
  • the price calculation unit 132 preferably causes AI to calculate the price according to the reference information at the time of calculating the selling price (dynamic pricing).
  • the selling price may be specified in the form of a range, leaving the seller or purchaser at the discretion of pricing.
  • a condition may be imposed to guarantee the farmgate price as a lower limit.
  • the farmgate price specifically refers to the price of the crops sold by the producer.
  • Reference information includes price history of product types and climate history information. This information can be collected from the cloud using a communication network. This makes it possible to calculate the price of crops by dynamic pricing with reference to the climate. Climate history includes temperature, sunshine hours and precipitation. The reference information may include the futures price of the commodity.
  • the reference information includes information determined by the place of origin of the product. This makes it possible to calculate the price of crops according to the circumstances of the production area.
  • Information determined by the place of origin of the product includes planting information of each village, latest collection information (sample point), consumer price and producer selling price.
  • the condition presentation unit 133 presents the contract conditions including the selling price in response to the request from the purchaser terminal or the seller terminal. For example, when there is a request from the purchaser terminal, the agricultural support system 100 notifies the purchaser terminal of the producer information, the sales desired information, and the selling price, and presents the contract conditions. Buyers can identify and purchase producers who want to sell their crops online. When there is a request from the seller terminal, the seller terminal is notified of the purchaser information, the purchase desired information and the selling price, and the contract conditions are presented. This allows producers to identify and sell their crop buyers online.
  • the contract determination unit 134 determines whether or not the contract conditions have been accepted from the purchaser terminal or the seller terminal.
  • Agricultural banks can provide purchasing services when the contract is concluded.
  • the fee to the agricultural bank can be expected to be about 10% or more of the selling price.
  • the delivery contract management unit 135 manages the delivery contract information for the contract established by receiving the acceptance of the contract conditions. Management is performed for each delivery contract, and the delivery contract information includes the place of collection, the place of delivery, and the quantity of goods to be delivered.
  • the delivery contract information may be specified in association with the sales contract, or may be specified by being specified by, for example, one of the contractors.
  • the transporter information management unit 136 manages the loadable capacity for each transporter as transporter information.
  • the information to be managed may include information on transportation vehicles such as trucks, jeepneys (shared taxis), and tricycles (tricycles), and transportation route patterns. It is preferable that the transporter information management unit 136 manages the departure point and the arrival point for each transporter as the transporter information. As a result, it is possible to efficiently add a new transportation contract to a transporter whose departure place and arrival place are fixed, and it is possible to improve the profit of the transporter.
  • the delivery contract information may include the delivery time, and the transporter information may include the movement time.
  • the delivery contract information may include the type of product. Since there is suitability of the type of transport vehicle for the type of product, more detailed matching is possible.
  • the transportation condition determination unit 137 determines the success or failure of matching for the combination of the delivery contract information and the carrier information that are managed respectively. By matching the information for each delivery contract with the information for each carrier in this way, many-to-many matching becomes possible, and the profits of both the contractor of the delivery contract and the carrier can be increased. In matching, it is preferable to automatically calculate the optimum combination of transportation in consideration of the transportation order.
  • the transportation information identification unit 138 specifies the transportation route of the transporter and the transportation contract associated with the movement route with respect to the transporter information based on the combination determined to be established in the matching. When specifying the travel route, it is preferable to indicate the shortest route in consideration of traffic congestion.
  • the transportation contract confirmation unit 139 confirms the movement route and the acceptance of the transportation contract with the registered contact of the contractor of the delivery contract, and confirms the acceptance of the transportation contract with the registered contact of the carrier.
  • the contractor of the delivery contract is a transportation consignor and basically a seller of goods, but may be a purchaser.
  • the agricultural support system 100 configured as described above allows the transporter to receive a new transport request at the destination without having to empty the cargo and return.
  • FIG. 7 is a sequence chart showing a matching method for product sales. In the example shown in FIG. 7, the conditions are presented by the seller side, but may be presented by the purchaser side.
  • the seller terminal 710 notifies the agricultural support system 100 of the variety and the sales amount of the crop to be sold by the input of the seller (step S201).
  • the agricultural support system 100 calculates the price by dynamic pricing based on the acquired information (step S202). At least one of the seller and the purchaser may notify the other party of the desired conditions including the price, and calculate a reasonable price based on the desired conditions.
  • the agricultural support system 100 accumulates trading information together with the calculated price (step S203), and when there is a request for information provision from the purchaser terminal 800 (step S204), presents it to the purchaser terminal 800 as trading information (step S204).
  • Step S205 The purchaser determines the purchase target from a plurality of conditions displayed on the screen of the purchaser terminal 800, and the purchaser terminal 800 transmits the purchaser's payment conditions, delivery address information, and the like (step S206).
  • the agricultural support system 100 determines whether or not the contract conditions have been accepted from the purchaser terminal or the seller terminal (step S207), determines that the contract has been concluded, and notifies the seller terminal 710 of the contract. do. (Step S208).
  • the agricultural support system 100 confirms the payment from the purchaser (step S209), and if confirmed, deposits the amount based on the seller price into the seller account 720 (step S210).
  • the delivery information is stored (step S211).
  • the delivery information stored in this way is preferably used in the matching of transportation consignment.
  • one of the seller and the purchaser selects the condition to be approved for the condition presented by the other, but a plurality of sellers and a plurality of purchasers simultaneously enter the agricultural support system.
  • the desired conditions including the price may be presented, and the agricultural support system may automatically match the two based on the desired conditions.
  • FIG. 8 is a sequence chart showing a matching method for transportation consignment.
  • the transporter terminal 900 transmits the transporter information to the agricultural support system 100 (step S301).
  • the agricultural support system 100 performs matching between the already accumulated delivery contract contract information and the carrier information (step S302), and sets a route for each combination of transportation contracts (contract candidates) obtained by the matching.
  • Calculate step S303). It is preferable to use AI for calculating the route. Details of the calculation of the transportation route will be described later.
  • the agricultural support system 100 transmits the contract and route candidates thus obtained to the transporter terminal 900 and inquires for consent (step S304).
  • the transporter terminal 900 transmits consent information to the agricultural support system 100 for contracts and route candidates selected by the transporter (step S305).
  • the agricultural support system 100 inquires the seller terminal 710 whether or not the consent has been obtained for the contract candidate for which the consent has been obtained (step S306). If the consent is input, the seller terminal 710 transmits the consent information to the agricultural support system 100 (step S307), the transportation contract is concluded, and the transportation route is specified. In this way, the matching of the transportation consignment is completed.
  • step S302 consent has been obtained in all cases, but if the consent of the transporter is not obtained, it is possible to return to step S302 and start over from matching. If the seller's consent is not obtained, the process returns to step S304, and the transporter can select the candidate again.
  • consent is inquired in the order of the carrier to the seller, but the order may be reversed. Further, since the confirmation to the delivery contractor may be performed to one of the contractors, the contact information may be the purchaser terminal 800 instead of the seller terminal 710.
  • FIG. 9 is a diagram showing an outline of a virtual example.
  • the seller F1 places a delivery order to the truck carrier D0, which is often used. It is necessary to wait for the period (for example, 2 days) until the carrier D0 becomes available.
  • the transporter D0 often follows a route known only to himself and does not take the shortest route, and there is a risk of being frequently involved in severe traffic congestion. Since transportation is basically carried out on a consignment basis, it is inefficient because the cargo is often emptied and returned to the departure point.
  • the agricultural support system 100 When using the agricultural support system 100, it can be seen that, for example, three tricycle transporters D1 to D3 can be used immediately.
  • the agricultural support system 100 can find the shortest route for each transporter D1 to D3 to avoid traffic congestion and propose it to the transporters D1 to D3, the seller F1 and the purchaser R1. Further, even when the quantity of crops to be delivered is large, the transporters D1 to D3 can share and transport the crops. Transporters D1 to D3 can also receive new delivery requests at their destination.
  • FIG. 10 is a flowchart showing an example of calculation of a transportation route.
  • 11 (a) to 11 (c) are diagrams showing each of the two routes frequently used by the transporter and the route specified by the agricultural support system.
  • 12 (a) to 12 (c) are diagrams showing the recorded transportation route pattern information, transportation desired information, and transportation condition information, respectively.
  • the pattern of the transportation route when receiving a request from the carriers D1 to D2 and the sellers F1 to F4 of the respective carriers D1 to D2 and transporting to the purchaser R1 is registered in the agricultural support system 100 in advance (step).
  • the patterns of the transportation route include, for example, the pattern shown in FIG. 11 (a) when the sellers F1 to F3 make a request, and FIG. 11 (b) when the sellers F1 to F2 and F4 make a request. There is a pattern.
  • Agricultural support system 100 receives and registers transportation request information for each date and time from sellers F1 to F4 (step S402).
  • the agricultural support system 100 receives and registers the conditions including the transportable date and time from the transporter (step S403).
  • the agricultural support system 100 calculates the optimum route using AI with the pattern, transport rare information, and transport conditions as input information (step S404). For example, the route shown in FIG. 11C is calculated as the transportation route when requested by the sellers F1 to F4. In this way, the transportation information accumulated in advance can be used for the calculation of the transportation route.
  • weight can be used as a standard for expressing the quantity of goods and the loadable capacity included in the transportation request information and the transportation information
  • volume can also be used, or both can be used. For example, it can be matched based on whether the desired weight or capacity to be transported is within an allowable range with respect to the loadable weight and capacity.
  • the agricultural support system 100 makes it possible to prove the conservation of the cargo.
  • the conservation of the transported object can be proved by the image data.
  • the transporter photographs the situation in which the seller loads the agricultural products into the transport vehicle at the start of transportation with the transporter terminal 900, and uploads the captured image data to the matching device 130 by the application started on the transporter terminal 900. do.
  • this image data can be confirmed by all parties involved in transportation such as sellers, transporters, and purchasers (buyers of markets, supermarkets, etc.).
  • the ID of this transportation and the ID of each related party can be linked, and the image data can be placed in a state in which the image data can be transmitted to the terminal of each related party in response to the viewing request from the ID of each related party. ..
  • the transporter When arriving at the destination, the transporter takes a picture of the cargoed crops again with the transporter terminal 900, and uploads the image data to the matching device 130 by the application.
  • This image data can be confirmed by all parties concerned as described above. In this way, by making the image data at the time of departure and the image data at the time of arrival visible to all parties concerned, it is possible to guarantee that the cargo was carried in the same state as at the start of transportation. For example, if the transporter takes out the cargo without permission and the image data in the same state is not uploaded, the person concerned will know it.
  • FIG. 13 (a) and 13 (b) are diagrams showing screen display examples of profile registration and transportation request on the seller terminal, respectively.
  • the seller can register the profile by the application. For example, passwords, payments, image galleries, policies, etc. can be set.
  • FIG. 13B the seller can request transportation by the application.
  • the transportation request screen shows the transporters that can be requested and the planned travel route, and the seller can select the transporter that he / she wants to request.
  • FIG. 14 (a) and 14 (b) are diagrams showing screen display examples of profile registration and schedule registration on the transporter terminal, respectively.
  • the transporter can register the profile by the application. For example, it is possible to set transporter information, passwords, policies, and the like. Further, as shown in FIG. 13B, the transporter can register the movement schedule as the transporter information by the application.
  • 15 (a) to 15 (c) are diagrams showing details of transportation at each terminal, confirmation of transportation status, and an example of chat screen display.
  • the user can confirm the date and time of transportation, the place of departure, the destination, the current location, the transportation distance and the cost as the details of transportation by the application.
  • the user can confirm the actual departure place, destination, collection time, distance, images of the transported goods at the time of loading and unloading, etc. as the transportation state by the application.
  • FIG. 15C it is possible to chat between users by the application.
  • the application displays a two-dimensional bar code on the paying terminal at the time of fund settlement.
  • This two-dimensional bar code is unique to each fund settlement and is associated with information (fund giver, time, amount) that legally proves the fund settlement.
  • This two-dimensional bar code is scanned by the receiving terminal that launched the application.
  • the information (fund giver, time, amount) that legally proves the settlement of funds is recorded on the agricultural support system 100 as the consent of the giver, and the transfer of funds is legally completed.
  • a general store that is generally popular in the local area downloads the application in advance as an intermediary. It is preferable that the application be provided free of charge so that the intermediary can download it without burden.
  • the producer goes to the intermediary store and receives the funds from that store. At the same time, the producer presses the withdrawal button in the application.
  • the application displays a two-dimensional bar code on the producer terminal 510, and the producer holds it over the terminal on the store side of the intermediary in which the application is activated.
  • the terminal on the store side reads the two-dimensional bar code
  • the agricultural support system 100 records the fund transfer on the database, and the fund transfer is completed.
  • the above method can also be used for loan repayment, ride-sharing fare payment, and the like.
  • the API is used to connect to an existing local electronic money system or remittance network so that the user can settle funds or transfer money for other services using the application. For example, potential credit risk is reduced for producers who fulfill deposits and repayment of loans on time. In such a case, by settlement of funds or remittance of other services, the amount can be returned by other companies' electronic money or remittance usage fee exemption. This is a great advantage for both the operator and the user of the agricultural support system 100.
  • 16 (a) and 16 (b) are diagrams showing detailed crop distribution examples when and when the agricultural support system is not used, respectively.
  • the harvested crop is delivered to a regional or central market via a buyer or broker.
  • the producer receives the amount of sales based on the producer price minus the margin as gross profit.
  • Crops are purchased by consumers through retailers or brokers who purchase directly from the market. Consumers buy crops at consumer prices, and retailers or brokers each receive a margin as a commission.
  • the producer can deliver the crop to the market by using the delivery service provided by the transporter with the support of the agricultural support system via the terminal operated by the agent.
  • delivery from the market to consumers can also be carried out using the delivery service provided by the transporter with the support of the agricultural support system.
  • the transaction price in this case is the producer price and the consumer price, respectively, and the cost for the margin floats.
  • producers and consumers can use the agricultural support system to obtain loans from agricultural banks.
  • FIG. 17 is a diagram showing the improvement of profits before and after the use of the agricultural support system for the model case. In the model case shown in FIG. 17, when the consumer price is 100 without using the agricultural support system, the farm gate price is 20, the profits of a plurality of intermediaries are 50, and the cost is 30. Producers have low incomes and brokers have a large share.
  • the price guarantee framework can be applied, so the farmgate price can be guaranteed to 40. Even if the profit of the agricultural bank is 20 and the cost is 30, the minimum consumer price is 90.
  • the consumer price is first predicted by dynamic pricing in the range format of 90 to 110, and the farmgate price is calculated by subtracting the cost. The cost can be calculated accurately when the matching device for transportation consignment is operated.
  • FIG. 18 is a diagram showing changes in the profit structure of producers before and after using the agricultural support system.
  • the example shown in FIG. 18 is a typical producer's economic forecast verified based on the actual case of NGO Agritech.
  • PGP in the figure means the currency Philippine peso. Assuming that the cultivated area is constant at 2 ha, it is possible to borrow and use highly efficient farming equipment by using the agricultural support system, so that productivity is improved and a 20% increase in production is expected. In addition, the unit price of sales is expected to increase by 11.11% due to quality improvement. Taken together, sales are expected to increase by 33.33%.
  • the producer's income is expected to be improved by eliminating the increase in fees, selling prices, and yields to intermediaries. It can be seen that the use of the agricultural support system will greatly improve the economy of producers. Brokers are also expected to work in more valuable positions (“agents”) or other roles in the food value chain in this program.

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Abstract

L'invention concerne : un dispositif de gestion de crédit susceptible d'utiliser une évaluation d'une culture en cours de croissance à des fins de gestion de crédit ; un dispositif de mise en correspondance associé ; et des procédés et des programmes destinés aux dispositifs. Un dispositif de gestion de crédit (110) comporte : une unité de gestion d'informations de producteur (111) qui gère des informations d'identité (ID) de producteur et des informations de plage d'enregistrement associées à l'ID de producteur ; une unité de gestion d'image (112) qui gère une image de champ acquise en association avec l'ID de producteur par l'intermédiaire d'un réseau de communication et des informations de position attachées à l'image de champ ; une unité de détermination d'image (113), laquelle, à partir de l'image de champ et des informations de position attachées, reconnaît une culture à partir de l'image de champ et détermine l'état de croissance de la culture reconnue ; une unité de calcul de prix évalué (114) qui calcule un prix évalué déduit du résultat de détermination ; et une unité de notation (115) qui note quantitativement un crédit associé à l'ID de producteur à l'aide du prix évalué en tant que facteur.
PCT/JP2021/003410 2020-01-31 2021-01-29 Dispositif de gestion de crédit, dispositif de mise en correspondance et procédés et programmes associés WO2021153791A1 (fr)

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JP7128337B1 (ja) 2021-09-30 2022-08-30 損害保険ジャパン株式会社 モニタリング装置、モニタリング方法、モニタリングプログラム、および契約管理システム

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JP2002259522A (ja) * 2000-12-26 2002-09-13 Tohsho Logitech Kk 荷物運送便の効率化システム
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WO2018173577A1 (fr) * 2017-03-23 2018-09-27 日本電気株式会社 Dispositif de calcul d'indice de végétation, procédé de calcul d'indice de végétation et support d'enregistrement lisible par ordinateur
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JP2002259522A (ja) * 2000-12-26 2002-09-13 Tohsho Logitech Kk 荷物運送便の効率化システム
JP2007304633A (ja) * 2006-05-08 2007-11-22 Nagatoshi Kihoin デリバリシステム
WO2018173577A1 (fr) * 2017-03-23 2018-09-27 日本電気株式会社 Dispositif de calcul d'indice de végétation, procédé de calcul d'indice de végétation et support d'enregistrement lisible par ordinateur
WO2019130568A1 (fr) * 2017-12-28 2019-07-04 スカパーＪｓａｔ株式会社 Système de génération d'informations d'évaluation, procédé de génération d'informations d'évaluation et programme
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Publication number Priority date Publication date Assignee Title
JP7128337B1 (ja) 2021-09-30 2022-08-30 損害保険ジャパン株式会社 モニタリング装置、モニタリング方法、モニタリングプログラム、および契約管理システム
JP2023050586A (ja) * 2021-09-30 2023-04-11 損害保険ジャパン株式会社 モニタリング装置、モニタリング方法、モニタリングプログラム、および契約管理システム

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