JP5000317B2 - Movable property management system and movable property management method - Google Patents

Description

  The present invention relates to a movable property management system and a movable property management method.

Conventionally, real estate has been used as collateral for loans, but in recent years loans have been made with movable property as collateral. Transfer collateral is known as a method of securing movable property. With transferable collateral, the ownership of the movable property is temporarily transferred to the financial institution, so the supplier of the movable property must ensure that the movable property is managed. For example, in the system described in Patent Document 1, the destination of movable property is managed using an IC tag.
JP 2006-185300 A

  However, the system described in Patent Document 1 can manage where the movable property is stored, but cannot identify various rights parties such as the owner of the movable property.

  The present invention has been made in view of such a background, and an object of the present invention is to provide a movable property management system and movable property management method capable of managing a right holder relating to movable property.

The invention according to claim 1 of the present invention for solving the above-mentioned problem is a system for managing movable property subject to transfer collateral, which is associated with a movable property ID for specifying the movable property, Monitoring table for storing owner specifying information for specifying the owner of movable property, and occupant specifying information for specifying the occupant of movable property, supplier ID indicating the movable property ID and the supplier of movable property , And a transfer information input unit that receives input of transfer information including a financial institution ID indicating a financial institution to which the movable property is transferred, and corresponds to the movable property ID included in the transfer information according to the input of the transfer information In addition, the financial institution ID and the supplier ID included in the transfer information are registered in the monitoring table as the owner specifying information and the occupant specifying information. A receipt information input unit that receives input of arrival information indicating that the movable property has arrived, including a purchaser ID that is a sales destination of the movable property, and the movable property ID, and according to the input of the arrival information, An arrival information registration unit for updating the occupant identification information corresponding to the movable property ID included in the arrival information to the purchaser ID included in the arrival information, the movable property ID indicating the movable property, and the purchaser ID An inspection information input unit that accepts input of inspection information indicating that the movable property has been inspected by the purchaser, and corresponding to the movable property ID included in the inspection information in response to the input of the inspection information the owner identification information, and inspection information registration section for updating the purchaser ID included in the inspection information, the provider ID, the buyer ID, before being shipped to the purchaser from the supplier Accounts receivable information input unit for receiving the input of accounts receivable information including the number of movables shipped, the amount to be shipped, and the shipment ID for specifying the shipment, the accounts receivable table for storing the accounts receivable information, the shipment ID, the shipment An accounts payable information input unit that receives input of accounts payable information including the number of inspected goods that have passed the inspection of the movable property, and a fixed amount that is a sum of sales amounts of the inspected movable properties, and stores the accounts payable information An accounts payable table, a command input unit that receives an input of a command for obtaining the dilution rate of the supplier, including the supplier ID, and the accounts receivable corresponding to the supplier ID included in the command Information is read from the accounts receivable table, and the accounts payable information corresponding to the shipping ID included in each of the read accounts receivable information is read from the accounts payable table. A dilution rate output that calculates a ratio of the fixed amount included in the payable information to the shipping amount included in the accounts receivable information as the dilution rate and outputs the calculated dilution rate And a section .
In this case, with reference to the dilution rate, the user can predict how much the amount that is actually determined out of the amounts recorded as accounts receivable will be. Thus, for example, when a financial institution makes a credit to a supplier, the product is shipped but not yet inspected, and even if the amount of accounts receivable is not fixed, the credit amount can be easily calculated based on the dilution rate. Can be calculated.
According to the movable property management system of the present invention, it is possible to manage the ownership of ownership and occupancy rights relating to the product subject to transfer collateral. Therefore, it is possible to easily grasp the rights relationship related to movable property whose occupancy is easy to transfer.

The invention according to claim 2 of the present invention is the movable property management system according to claim 1, wherein the movable property is accompanied by an IC tag storing the movable property ID, and is incidental to the movable property. An IC tag reader that reads the movable property ID from the IC tag is provided, and the arrival information input unit and the inspection information input unit read the movable property ID from the IC tag via the IC tag reader.
In this case, since the movable property ID is read from the IC tag, the movable property can be easily managed, which is convenient.

Moreover, invention of Claim 3 among this invention is the movable property management system of Claim 1, Comprising: The said movable property which the said supplier ID, the said movable property ID, and the said movable property ID show is collateral, Included in the command is a loan application information input unit that receives input of loan application information including the loan amount that the supplier applies to the financial institution, and a loan management table that stores the received loan application information A loan application information output unit that reads the loan application information corresponding to the supplier ID from the loan management table and outputs the read loan application information;

  Other problems and solutions to be disclosed by the present application will be made clear by the embodiments of the invention and the drawings.

  ADVANTAGE OF THE INVENTION According to this invention, the right holder which concerns on the movable property used as the object of transfer guarantee can be managed.

  Hereinafter, a movable property management system according to an embodiment of the present invention will be described. The movable property management system according to the present embodiment is used when a supplier who is a supplier of commodities such as parts receives a loan from a financial institution with stock commodities as transfer collateral.

  In the present embodiment, the inventory products of the supplier are transferred in advance to a financial institution and registered to that effect. At this point, the ownership of the product is transferred to the financial institution, but the ownership of the product is retained by the supplier. On the other hand, when the supplier ships the product and the buyer, who is the purchaser of the product, arrives at the product, the ownership of the product is transferred to the buyer, and the accounts receivable of the supplier is recorded. When the buyer inspects the product, ownership of the product is transferred from the financial institution to the buyer, and the buyer's accounts payable are recorded.

  If a defective product is found by inspection, the amount of accounts receivable that is confirmed by inspection may be less than the amount of accounts receivable recorded by the supplier at the time of shipment. Such a difference between the planned accounts receivable and the accounts receivable determined by inspection is called dilution.

  The movable property management system of this embodiment manages the transfer of various rights about a product, the dilution rate of a supplier, and the like.

  In this embodiment, it is assumed that an IC tag is attached to each product, and identification information (hereinafter referred to as product number) of each product is stored in the IC tag attached to each product. By reading the product number from the IC tag attached to the product, the location of the product can be grasped.

== System configuration ==
FIG. 1 is a diagram showing an overall configuration of the movable property management system according to the present embodiment. As shown in the figure, the movable property management system of the present embodiment includes a buyer terminal 10, a supplier terminal 20, a movable property management server 30, a registration server 40, a financial server 50, and a payment agent terminal 60. The buyer terminal 10, the supplier terminal 20, the property management server 30, the registration server 40, the financial server 50, and the payment agent terminal 60 are connected to each other via a communication network 70 so that they can communicate with each other. The communication network 70 is, for example, a LAN (Local Area Network), a WAN (Wide Area Network), or the Internet constructed by Ethernet (registered trademark) or a public telephone network.

  The supplier terminal 20 is a computer operated by a product supplier, and the buyer terminal 10 is a computer operated by a product buyer. The buyer terminal 10 and the supplier terminal 20 are, for example, a personal computer or a PDA (Personal Digital Assistance).

  The registration server 40 is a computer that registers the transfer of goods (mobile property) related to transfer collateral. By transmitting a registration request to the registration server 40, transfer registration related to transfer collateral is performed. In the present embodiment, the registration server 40 manages information related to registration (hereinafter referred to as registration information) as a file on a computer. A registration server 40 that manages registration information is connected to a personal property transfer notification database 41 that manages registration information. Each device connected to the communication network 70 accesses the personal property transfer notification database 41 to access the registration information. The registration of the transfer of the movable property of the product provided by the supplier can be confirmed. An example of the structure of the property transfer notification database 41 is shown in FIG.

  The financial server 50 is a computer operated by a financial institution that provides a loan to a supplier. The payment agent terminal 60 is a computer operated by a payment agent that is a proxy for payment from the buyer to the supplier. The payment agent performs payment from the supplier to the financial institution as payment of the accounts payable, and pays the remaining amount to the supplier when the accounts payable is larger than the payment.

  FIG. 3 shows a business flow in this embodiment. As shown in the figure, in this embodiment, first, a product is ordered from a buyer to a supplier (S701), and the supplier produces a product according to the order (S702). The product is registered for transfer to (S703). Thereafter, the supplier ships the product (S704), applies for a loan using the shipped product as collateral (S705), and a loan from the financial institution to the supplier is executed (S706). When a commodity arrives at the buyer (S707) and inspection is performed (S708), the payment agent notified by the buyer pays the commodity price (S709). In the present embodiment, the flow of business as described above is assumed. Hereinafter, the movable property management system according to the present embodiment will be described in detail.

== Bayer terminal 10 ==
FIG. 4 is a diagram illustrating a hardware configuration of the buyer terminal 10. As shown in FIG. 1, the buyer terminal 10 includes a CPU 101, a memory 102, a storage device 103, a communication interface 104, an input device 105, an output device 106, and an IC tag reader 107. The storage device 103 is, for example, a hard disk drive, a CD-ROM drive, or a flash memory that stores programs and data. The CPU 101 implements various functions by reading a program stored in the storage device 103 into the memory 102 and executing it. The communication interface 104 is an interface for connecting to the communication network 70. The communication interface 104 is, for example, an adapter for connecting to Ethernet (registered trademark) or a modem for connecting to a public telephone line network. The input device 105 is a keyboard, mouse, button, touch panel, or the like that accepts data input. The output device 106 is, for example, a display or a printer that outputs data.

  FIG. 5 is a diagram illustrating a software configuration of the buyer terminal 10. As shown in the figure, the buyer terminal 10 includes an order information input unit 111, an order information transmission unit 112, an arrival product number input unit 113, an arrival information transmission unit 114, an inspection product number input unit 115, an inspection information transmission unit 116, An inspection notification transmission unit 117 is provided.

  The order information input unit 111 accepts input of information related to product ordering (hereinafter referred to as order information). The order information is associated with identification information (hereinafter referred to as an order number) of the order information, the orderer indicating the buyer as the order source, the contractor indicating the supplier as the order destination, the product name, quantity, unit price, The order price, which is the total price of the product, the date the buyer placed the order, and the delivery date are included.

  The order information transmitting unit 112 transmits the order information received by the order information input unit 111 to the property management server 30. As will be described later, the ordering information is transmitted from the movable property management server 30 to the supplier terminal 20.

  The arrival merchandise number input unit 113 receives an input of a merchandise number indicating each merchandise that has arrived from the supplier to the buyer. The arrival product number input unit 113 also accepts input of an order number indicating ordering information corresponding to the arrived product. In the present embodiment, the arrival product number input unit 113 receives an input of an order number from the input device 105 and reads the product number from an IC tag attached to the product via the IC tag reader 107.

  The arrival information transmitting unit 114 transmits the information (hereinafter referred to as arrival information) including the list of product numbers indicating the received products and the order number received by the received product number input unit 113 to the movable property management server 30. . The arrival information includes a supplier name indicating the supplier that is the shipping source of the product, and a buyer name indicating the buyer that the product has arrived.

  The inspection product number input unit 115 receives an input of a product number indicating a product that has been inspected among the products arrived at the buyer. The inspection product number input unit 115 also receives an input of an order number indicating ordering information corresponding to the inspected product. In the present embodiment, the inspection product number input unit 115 receives the input of the order number from the input device 105 and receives the product number from the IC tag attached to the product via the IC tag reader 107, like the arrival product number input unit 113. Shall be read.

  The inspection information transmission unit 116 receives information received by the inspection product number input unit 115 and includes a list of product numbers indicating the inspected products, an order number, and a buyer name indicating the buyer (hereinafter referred to as inspection information). Is transmitted to the movable property management server 30.

  The inspection notification transmission unit 117 transmits information indicating that the inspection of the product has ended (hereinafter referred to as inspection notification) to the payment agent terminal 60. The inspection notification includes an order number and a loan number indicating a loan received from a financial institution by a supplier described later.

  The payment agent terminal 60 outputs the inspection notification received from the buyer terminal 10. Thereby, the payment agent can confirm that the product has been inspected. In the present embodiment, the payment agent operates the payment agent terminal 60 to access the movable property management server 30, and describes the payment description of the product consideration corresponding to the order number, and the loan amount using the product corresponding to the order number as the property collateral. Are obtained from each database described later.

== Supplier terminal 20 ==
FIG. 6 is a diagram illustrating a hardware configuration of the supplier terminal 20. As shown in the figure, the supplier terminal 20 includes a CPU 201, a memory 202, a storage device 203, a communication interface 204, an input device 205, an output device 206, and an IC tag reader 207. The storage device 203 is, for example, a hard disk drive, a CD-ROM drive, or a flash memory that stores programs and data. The CPU 201 implements various functions by reading a program stored in the storage device 203 into the memory 202 and executing it. The communication interface 204 is an interface for connecting to the communication network 70. The communication interface 204 is, for example, an adapter for connecting to Ethernet (registered trademark) or a modem for connecting to a public telephone network. The input device 205 is, for example, a keyboard or a mouse that accepts data input. The output device 206 is, for example, a display or a printer that outputs data.

  FIG. 7 is a diagram illustrating a software configuration of the supplier terminal 20. As shown in the figure, the supplier terminal 20 includes an order information receiving unit 211, an order information output unit 212, a registration request transmission unit 213, a registration file name reception unit 214, a transfer information transmission unit 215, a shipping product number input unit 216, A shipping information transmission unit 217, a loan application information input unit 218, a loan application information transmission unit 219, and a loan request transmission unit 220 are provided.

  The order information receiving unit 211 receives the order information transmitted from the property management server 30, and the order information output unit 212 outputs the order information received by the order information receiving unit 211. As a result, the supplier can recognize the order of the product.

  When a product is ordered, the supplier prepares the product for shipment to the buyer by purchasing or producing the product. When the product is ready for shipment, the product is once transferred from the supplier to the financial institution as transfer collateral, and a registration to that effect is made. The registration request transmission unit 213 receives an input of a product number indicating a product ready for shipment from the supplier, and transmits a registration request including the received product number and the order amount included in the ordering information to the registration server 40. In the registration server 40, in response to the registration request, a file in which registration information is described in the movable property transfer notification database 41 is created. As a response to the registration request, the registration server 40 transmits the file name of the created file (hereinafter referred to as a registered file name) to the supplier terminal 20. The registered file name receiving unit 214 receives the registered file name transmitted from the registration server 40.

  The transfer information transmission unit 215 receives information (hereinafter referred to as transfer information) including the received registration file name, the supplier name indicating the supplier, and the financial institution name indicating the financial institution to which the product is transferred, from the movable property management server 30. Send to.

  The shipping product number input unit 216 receives an input of a product number indicating a product to be shipped. The shipping merchandise number input unit 216 also accepts input of a corresponding order number. In the present embodiment, the shipping merchandise number input unit 216 receives an input of an order number from the input device 205 such as a keyboard at the time of shipping the merchandise, and from the IC tag attached to the shipped merchandise via the IC tag reader 207. The product number is read out.

  The shipment information transmission unit 217 transmits information related to the shipment of the product (hereinafter referred to as shipment information) to the movable property management server 30. The shipping information includes a supplier name indicating a supplier as a shipping source, a buyer name indicating a buyer as a shipping destination, and a list of input order numbers and product numbers.

  The loan application information input unit 218 accepts input of information (hereinafter referred to as loan application information) regarding a loan application to a financial institution that uses the shipped product as property collateral. The loan application information includes loan application information identification information (hereinafter referred to as loan number), order number, registration file name, list of product numbers of shipped products, applicant name indicating supplier, loan application amount, And the repayment date. The loan application information transmission unit 219 transmits the input loan application information to the movable property management server 30.

  The loan request transmission unit 220 transmits a message requesting to execute the loan (hereinafter referred to as a loan request) to the financial server 50. The loan request includes a loan number.

== Financial Server 50 ==
FIG. 8 is a diagram illustrating a hardware configuration of the financial server 50. As shown in the figure, the financial server 50 includes a CPU 501, a memory 502, a storage device 503, a communication interface 504, an input device 505, and an output device 506. The storage device 503 stores programs and data, for example, stores programs and data, such as a hard disk drive, a CD-ROM drive, and a flash memory. The CPU 501 implements various functions by reading the program stored in the storage device 503 into the memory 502 and executing it. The communication interface 504 is an interface for connecting to the communication network 70. The communication interface 504 is, for example, an adapter for connecting to Ethernet (registered trademark) or a modem for connecting to a public telephone line network. The input device 505 is a keyboard, mouse, button, touch panel, or the like that accepts data input. The output device 506 is, for example, a display or a printer that outputs data.

  FIG. 9 is a diagram illustrating a software configuration of the financial server 50. As shown in the figure, the financial server 50 includes a loan request reception unit 511, a loan application information acquisition request transmission unit 512, a loan application information reception unit 513, a registration information acquisition request transmission unit 514, a registration information reception unit 515, and performance information. An acquisition request transmission unit 516, a performance information reception unit 517, a supplier information output unit 518, a loan execution information input unit 519, and a loan execution information transmission unit 520 are provided.

The loan request receiving unit 511 receives a loan request transmitted from the supplier terminal 20.
The loan application information acquisition request transmission unit 512 transmits a command (hereinafter referred to as a loan application information acquisition request) for acquiring the loan application information corresponding to the loan number included in the loan request to the property management server 30. .
The loan application information receiving unit 513 receives the loan application information transmitted in response to the loan application information acquisition request.

The registration information acquisition request transmission unit 514 registers a command (hereinafter referred to as a registration information acquisition request) for acquiring registration information corresponding to the registration file name included in the loan application information acquired from the property management server 30. Send to server 40. In response to the registration information acquisition request, the registration server 40 reads the registration information described in the file corresponding to the registration file name from the property transfer notification database 41 and transmits the read registration information to the financial server 50.
The registration information receiving unit 515 receives registration information transmitted from the registration server 40 in response to a registration information acquisition request.

The performance information acquisition request transmitting unit 516 obtains a command (hereinafter referred to as performance information acquisition request) for acquiring information (hereinafter referred to as performance information) including a dilution rate related to a past loan to the supplier. 30. The result information acquisition request includes a supplier name indicating the supplier.
The record information receiving unit 517 receives record information transmitted from the movable property management server 30 in response to the record information acquisition request.

The supplier information output unit 518 outputs loan application information, registration information, and performance information acquired from the property management server 30 or the registration server 40.
The loan execution information input unit 519 receives input of information related to the loan executed to the supplier (hereinafter referred to as loan execution information). The loan execution information includes a loan number, an order number, a loan destination indicating a supplier, and whether or not a loan is possible. Further, when the loan is possible, the loan execution information further includes the amount to be financed (hereinafter also referred to as the execution amount), the advance loan rate, the interest rate, the loan execution date, and the repayment date.
The loan execution information transmission unit 520 transmits the input loan execution information to the movable property management server 30.

== Mobility management server 30 ==
FIG. 10 is a diagram illustrating a hardware configuration of the movable property management server 30. As shown in the figure, the movable property management server 30 includes a CPU 301, a memory 302, a storage device 303, and a communication interface 304. The storage device 303 is, for example, a hard disk drive, a CD-ROM drive, or a flash memory that stores programs and data. The CPU 301 implements various functions by reading the program stored in the storage device 303 into the memory 302 and executing it. The communication interface 304 is an interface for connecting to the communication network 70. The communication interface 304 is, for example, an adapter for connecting to Ethernet (registered trademark) or a modem for connecting to a public telephone line network.

  FIG. 11 is a diagram illustrating a software configuration of the movable property management server 30. As shown in the figure, the movable property management server 30 includes an order information receiving unit 311, an order information transmitting unit 312, a transfer information receiving unit 313, a shipping information receiving unit 314, a loan application information receiving unit 315, an arrival information receiving unit 316, Inspection information receiving unit 317, loan application information acquisition request receiving unit 318, loan application information transmitting unit 319, result information acquiring request receiving unit 320, result information transmitting unit 321, loan execution information receiving unit 322, property management table 351, monitoring table 352, an accounts receivable-trade management table 353, and a loan management table 354 are provided.

  The movable property management table 351 stores information related to products in order units (hereinafter referred to as movable property management information). A configuration example of the movable property management information stored in the movable property management table 351 is shown in FIG. As shown in the figure, the property management information includes order number, registration file name, product number, loan number, orderer, contractor, product name, quantity, unit price, order price, order date, delivery date, etc. It is.

  The monitoring table 352 stores information (hereinafter referred to as monitoring information) for specifying the location of the product and the attribution destination of the right related to the product. A configuration example of the monitoring information registered in the monitoring table 352 is shown in FIG. As shown in the figure, the monitoring information includes a status flag indicating whether or not the work for manufacturing, shipping, arrival and inspection is associated with the order number, The quantity of the product and the date and time when the status flag and quantity are set are included. For example, in the example of FIG. 13, the status flag is “ON”, the quantity is “15”, the date is “December 1”, and the shipping operation is associated with the order number “HI001”. The status flag is “ON”, the quantity is “10”, and the date and time is “December 15th”. For the arrival business and the inspection business, the status flag is “OFF”, and the quantity and the date and time are set. It has not been. Therefore, it can be seen that the product is manufactured and shipped in response to the order of “HI001”, but has not yet arrived at the buyer. In addition, it can be seen that although “15” pieces of the above-mentioned products were produced, only “10” pieces were shipped. In the present embodiment, when the manufacturing operation is completed, the ownership of the product is transferred to the financial institution, but the occupation right remains in the supplier. Even at the stage of completion of shipping operations, ownership is in the financial institution and occupation is in the supplier. Next, when the goods arrive at the buyer, the ownership remains with the financial institution, but the occupancy right is naturally transferred to the buyer. When the inspection of the product is completed, the ownership is also transferred to the buyer, and the fulfillment of the delivery obligation of the product from the supplier to the buyer involved in the sale is completed. In this way, by referring to the status flag, it is possible to grasp the ownership of the commodity and the ownership of the occupation right (the order number and the status flag correspond to the owner identification information or the owner identification information of the present invention). To do).

  The accounts receivable-trade management table 353 stores information relating to buyers' accounts payable (hereinafter referred to as accounts payable information) and information relating to supplier accounts receivable (hereinafter referred to as accounts receivable information). FIG. 14 shows a configuration example of the accounts receivable information and the accounts payable information stored in the accounts receivable management table 353. As shown in the figure, the accounts payable information includes the order number, buyer name, product number, inspection quantity, fixed amount, date of payment, payment date, and the accounts receivable information includes the order number, supplier name, It includes product number, shipment quantity, recording amount, date of recording, payment date, defective product rate, and dilution rate. Note that the accounts receivable information and the accounts payable information are linked by the order number. The buyer name is information for identifying the buyer.

  The product number included in the accounts payable information is a list of product numbers indicating the inspected products. The inspection quantity is the number of products that have passed inspection. The fixed amount is the total price of the products that have passed the inspection. The recording date is the date on which the accounts payable are recorded, and the payment date is the date on which the consideration for the product was paid by the payment agent.

  The product number included in the account receivable information is a list of product numbers indicating shipped products. The shipment end is the number of shipped products, and the recorded amount is the total price of the shipped products. The recording date is the date on which the accounts receivable was recorded. The defective product rate is a ratio of products that fail the inspection, which is obtained from the number of products that have passed inspection and the number of products that have arrived. The dilution rate is a rate at which the shipped amount determined from the recorded amount of the accounts receivable information and the determined amount of the accounts payable information is determined as the accounts receivable. A financial institution can determine the value of collateral by discounting the price of a product according to the dilution rate when executing a loan with the product as collateral.

  The loan management table 354 stores information related to the loan (hereinafter referred to as loan management information). A configuration example of the loan management information stored in the loan management table 354 is shown in FIG. As shown in the figure, the loan management information includes an order number, a registration file name, a product number, application information, and execution information in association with the loan number. The application information is information related to the application for financing, and includes the name of the applicant, the application amount, the repayment date, and the date (application reception date) when the application information is set. Further, the execution information is information related to the loan executed by the financial institution, and includes whether or not the loan is possible, the advance loan rate, the execution amount, the loan interest rate, the execution date, and the repayment date.

The order information receiving unit 311 receives the order information transmitted from the buyer terminal 10 and receives an order number, an orderer, a contractor, a product name, a quantity, a unit price, an order amount, and an order date included in the received order information. And the movable property management information including the delivery date is generated, and the generated movable property management information is registered in the movable property management table 351.
The order information transmitting unit 312 transmits the order information received by the order information receiving unit 311 to the supplier terminal 20.

  The transfer information receiving unit 313 receives the transfer information transmitted from the supplier terminal 20, and adds the registration file name included in the transfer information to the registration file name of the property management information corresponding to the order number included in the received transfer information. Set. Further, the transfer information receiving unit 313 registers the monitoring information in the monitoring table 352 in response to the transfer information being received. FIG. 16 shows a flow of monitoring information registration processing by the transfer information receiving unit 313.

  The transfer information receiving unit 313 newly generates monitoring information (S801), and sets the order number included in the transfer information in the generated monitoring information (S802). The transfer information receiving unit 313 sets the status flag for the monitoring information manufacturing operation to “ON” (S803), and sets the other status flags to “OFF” (S804). The transfer information receiving unit 313 reads the movable property management information corresponding to the order number included in the transferred information from the movable property management table 351 (S805), counts the number of product numbers included in the read movable property management information, and N (S806). The transfer information receiving unit 313 sets the quantity for the manufacturing operation included in the monitoring information to N (S807). The transfer information receiving unit 313 sets “−” as the other quantity (S808).

  The transfer information receiving unit 313 sets the owner of the monitoring information manufacturing operation to the name of the financial institution included in the transfer information (S809), and sets “-” to the owner of other operations (S810). . The transfer information receiving unit 313 registers the monitoring information created as described above in the monitoring table 352 (S811).

  The monitoring information is registered in the monitoring table 352 as described above.

  The shipping information receiving unit 314 receives shipping information transmitted from the supplier terminal 20. The shipment information receiving unit 314 updates the monitoring information according to the shipment information and registers the account receivable information in the account receivable management table 353. The flow of processing by the shipping information receiving unit 314 is shown in FIG.

  The shipping information receiving unit 314 counts the number of product numbers included in the shipping information and sets it to N (S821). The shipping information receiving unit 314 sets the status flag for the shipping operation included in the monitoring information corresponding to the order number included in the shipping information to “ON” (S822), and sets the quantity for the shipping operation to N. (S823). In addition, the shipping information receiving unit 314 copies the owner and the occupant for the monitoring information manufacturing business to the owner and the occupant for the shipping business (S824).

  Next, the shipping information receiving unit 314 reads a unit price corresponding to the order number included in the shipping information from the movable property management table 351 (S825), and multiplies the read unit price by N to obtain a shipping amount (S826). The shipping information receiving unit 314 generates accounts receivable information (S827), and sets the supplier name, order number, and product number included in the shipping information in the supplier name, order number, and product number of the account receivable information ( S828), N, the shipping amount, and the current date are set in the shipment amount, the recording amount, and the recording date of the receivable information (S829). The shipping information receiving unit 314 registers the accounts receivable information in the accounts receivable management table 353 (S830).

  As described above, the status flag and quantity related to the shipping operation of the monitoring information are updated, and the accounts receivable information is registered in the accounts receivable management table 353.

  The loan application information receiving unit 315 receives the loan application information transmitted from the supplier terminal 20. The loan application information receiving unit 315 generates the loan management information, and the received loan management information includes the loan number, order number, registration file name, product number, applicant name, application amount, and repayment date. Set the loan number, order number, registration file name, applicant name, application amount, and repayment date included in the application information, and set the current date and time on the application acceptance date of the loan management information. The loan application information receiving unit 315 registers the loan management information in which items are set as described above in the loan management table 354.

  The arrival information receiving unit 316 receives arrival information transmitted from the buyer terminal 10. In addition, the arrival information receiving unit 316 sets the status flag for the arrival operation of the monitoring information corresponding to the order number included in the arrival information to “ON”, and receives the number of product numbers included in the arrival information. Set to quantity for business. Further, the arrival information receiving unit 316 updates the occupancy right holder for the arrival work of the above monitoring information to the buyer name included in the arrival information, and copies the owner of the shipment work to the owner of the arrival work. . Through the above processing, the property management server 30 manages that the commodity has arrived at the buyer. Further, the property management server 30 also manages that the right to occupy the product has been transferred to the buyer due to the arrival of the product, and the quantity of the received product.

  The inspection information receiving unit 317 receives inspection information transmitted from the buyer terminal 10. Further, the inspection information receiving unit 317 updates the monitoring information and the payable information according to the inspection information. The flow of processing by the inspection information receiving unit 317 is shown in FIG.

  The inspection information receiving unit 317 counts the number of product numbers included in the inspection information and sets it to N (S841). The inspection information receiving unit 317 sets the status flag for the inspection work included in the monitoring information corresponding to the order number included in the inspection information to “ON” (S842), and sets the quantity for the inspection work to N. (S843).

  In addition, the inspection information receiving unit 317 sets the buyer name included in the inspection information to the owner of the inspection information inspection business (S844), and changes the occupancy right of the arrival business to the occupancy right of the inspection business. Copy (S845).

  Next, the inspection information receiving unit 317 reads the unit price corresponding to the order number included in the inspection information from the movable property management table 351 (S846), and multiplies the read unit price by N to obtain the inspection amount (S847). The inspection information receiving unit 317 updates the inspection quantity of the purchase information corresponding to the order number to N (S848), updates the fixed amount to the inspection amount (S849), and updates the recording date to the current date ( S850).

  The inspection information receiving unit 317 obtains the quotient obtained by dividing the difference between the inspection quantity of the accounts payable information and the shipping quantity of the accounts receivable information corresponding to the order number included in the inspection information by the shipping quantity as the defect rate of the above-mentioned accounts receivable information. Setting is made (S851). Further, the inspection information receiving unit 317 sets the quotient obtained by dividing the fixed amount by the recorded amount as the dilution rate of the above receivable information (S852).

  As described above, monitoring information, accounts payable information, and accounts receivable information are updated according to the inspection information.

The loan application information acquisition request receiving unit 318 receives a loan application information acquisition request transmitted from the financial server 50.
In response to the loan application information acquisition request, the loan application information transmission unit 319 reads out loan management information corresponding to the loan number included in the loan application information acquisition request from the loan management table 354 and includes the read loan management information. The registered application information is transmitted to the financial server 50.

The achievement information acquisition request receiving unit 320 receives the achievement information acquisition request transmitted from the financial server 50.
The performance information transmission unit 321 reads the accounts receivable information corresponding to the supplier name included in the results information acquisition request from the accounts receivable management table 353, and averages the dilution rate included in the read accounts receivable information. A value is calculated, and performance information including the average value of the calculated dilution rate is transmitted to the financial server 50.

  The loan execution information receiving unit 322 receives the loan execution information transmitted from the financial server 50. The loan execution information receiving unit 322 identifies loan management information corresponding to the loan number included in the received loan execution information, and updates the loan availability of the specified loan management information according to the loan availability of the loan execution information To do. In addition, if the loan execution information indicates that the loan is possible, the loan management information is set according to the advance loan rate, execution amount, interest rate, execution date, and repayment date of the loan execution information. Update the advance loan rate, execution amount, loan interest rate, execution date, and repayment date.

== Information flow ==
FIG. 19 is a diagram for explaining the flow of information in the movable property management system of this embodiment. As shown in the figure, first, when order information is input at the buyer terminal 10, the input order information is transmitted to the property management server 30 (S901). The movable property management server 30 transmits the received ordering information to the supplier terminal 20 (S902).

  Next, a registration request is transmitted from the supplier terminal 20 to the registration server 40 (S903), and transfer registration is performed in the registration server 40. The registration server 40 responds to the supplier terminal 20 with a registration file name indicating a file in which registration information is stored (S904). The supplier terminal 20 transmits the registration file name received from the registration server 40, transfer information including the supplier name, financial institution name, and the like to the movable property management server 30 (S905), and the movable property management server 30 receives the order number and the registered file. The name is associated.

  The supplier applies for a loan when the product is ready for shipment due to the manufacture or purchase of the product. At this time, the loan application information is transmitted from the supplier terminal 20 to the movable property management server 30 (S906). After applying for a loan, the supplier ships the goods to the buyer. At this time, the supplier terminal 20 reads the product number from the IC tag attached to the product, and transmits the shipping information to the property management server 30 (S907).

  After sending the shipping information to the property management server 30, the supplier terminal 20 sends a loan request to the financial server 50 (S908). In response to the reception of the loan request, the financial server 50 transmits a loan application information acquisition request to the movable property management server 30 (S909), and receives the loan application information returned from the movable property management server 30 (S910). The financial server 50 transmits a record information acquisition request to the movable property management server 30 (S911), and receives record information returned from the movable property management server 30 (S912). The financial server 50 outputs the loan application information and the result information acquired as described above, and makes it possible to refer to the person in charge of the financial institution that performs the loan by the personal property collateral.

  When the loan with the commodity shipped as described above secured as movable collateral is executed, the financial server 50 receives input of loan execution information related to the executed loan, and sends the received loan execution information to the movable property management server 30. In step S913, the property management server 30 manages the loan execution information in association with the order information.

  On the other hand, when the product shipped from the supplier arrives at the buyer, the buyer uses the IC tag reader 107 provided in the buyer terminal 10 to read the product number of the arrived product. The buyer terminal 10 transmits arrival information including the read product number to the movable property management server 30 (S914). Thereby, the movable property management server 30 can manage that the occupation right of the product has been transferred to the buyer by the arrival of the product to the buyer.

  Next, the buyer inspects the arrived product, and uses the IC tag reader 107 provided in the buyer terminal 10 to read the product number from the IC tag attached to the product that has passed the inspection. The buyer terminal 10 transmits inspection information including the product number, order number, and buyer name read from the IC tag to the movable property management server 30 (S915). Thereby, the property management server 30 can manage that the product has been inspected and the ownership of the product has been transferred from the financial institution to the buyer.

  Further, the buyer terminal 10 transmits the inspection information to the property management server 30 and also transmits an inspection notification to the payment agent terminal 60 (S916) to notify the payment agent that the buyer's accounts payable has been confirmed. As a result, the payment agent operates the payment agent terminal 60 to access the property management server 30 and confirms the details of the accounts payable, the status of the loan to the supplier, and the like from the supplier to the financial institution as compensation for the product. If there is a remaining amount, the remaining amount can be paid to the supplier.

  As described above, according to the movable property management system of the present embodiment, it is possible to manage the attribution destination of rights such as ownership and occupancy rights related to products. Therefore, even when the merchandise is assigned as transfer collateral, the user can easily grasp a complicated right relationship by accessing each table of the movable property management server 30.

  Moreover, according to the movable property management system of this embodiment, the execution state of the loan which secured the goods and the location of the goods can be centrally managed in the movable property management server 30. Therefore, it is convenient because the user can acquire various information relating to the collateral property at a time only by accessing the movable property management server 30.

  Further, according to the movable property management system of the present embodiment, the quantity of shipped products and the quantity of inspected products can be read and measured from the IC tag, so that the accurate quantity of products can be managed. it can.

  Moreover, according to the movable property management system of this embodiment, when there is a difference between the shipment quantity and the inspection quantity, the difference can be managed as a defective product rate. Therefore, it is possible to easily grasp the credit quality of the product that is the subject of the transfer collateral. Therefore, the financial institution can determine the collateral ability of the product more accurately. In addition, it becomes possible for the supplier to grasp the collateral capability of the product and predict how much financing can be executed.

  Further, according to the movable property management system of the present embodiment, the dilution rate for the supplier is calculated from the difference between the amount recorded for the accounts receivable information and the fixed amount for the accounts payable information, and the dilution rate is transferred to the financial institution. Can be presented. Therefore, the financial institution can give more accurate credit to the supplier in consideration of the dilution rate.

  In the present embodiment, each product (movable property) is registered as a movable property as a specified item. However, as a type item, information indicating the type such as the product model number and name, the number of items, and the like are registered. Also good.

  In this embodiment, the transfer information is transmitted to the property management server 30 to manage that the product is transferred to the financial institution, the ownership of the product belongs to the financial institution, and the occupation right belongs to the supplier. However, before the product is transferred to the financial institution, it may be managed that both the ownership and the occupation right belong to the supplier. In this case, in the monitoring table 352, the ownership corresponding to the manufacturing operation is the supplier, and the ownership is assigned to the financial institution and the occupation right is the supplier for the transfer collateral setting operation provided between manufacturing and shipping. The supplier terminal 20 reads the product number of the product from the IC tag after the product is manufactured or purchased and then transferred to the financial institution as collateral. The management server 30 is notified, and the movable property management server 30 updates the quantity and status flag for the manufacturing operation in response to the notification. In this case, the property management server 30 updates the quantity and status flag for the transfer collateral setting operation in response to the reception of the transfer information. As a result, it is possible to manage the transfer status of more detailed rights for the product.

  Further, in the present embodiment, it is assumed that the payment agent makes payment, but the present invention is not limited to this, and the buyer may make payment. In this case, the inspection notification from the buyer terminal 10 to the payment agent terminal 60 can be omitted.

  In the present embodiment, the payment agent allocates the product price to the financial institution. However, the payment agent is not limited to this, and the supplier may pay the supplier and pay the loan. .

  In this embodiment, the registration request is transmitted to the registration server 40. However, the registration is performed by the user in writing, and the user inputs the registration number to the supplier terminal 20 as the registration file name. It may be.

  Although the present embodiment has been described above, the above embodiment is intended to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention can be changed and improved without departing from the gist thereof, and the present invention includes equivalents thereof.

It is a figure which shows the whole structure of the movable property management system which concerns on this embodiment. It is a figure which shows the structural example of the movable property transfer notification database 41. FIG. It is a figure which shows the flow of the operation | work in this embodiment. 2 is a diagram illustrating a hardware configuration of a buyer terminal 10. FIG. 2 is a diagram showing a software configuration of a buyer terminal 10. FIG. 2 is a diagram illustrating a hardware configuration of a supplier terminal 20. FIG. 2 is a diagram illustrating a software configuration of a supplier terminal 20. FIG. 2 is a diagram illustrating a hardware configuration of a financial server 50. FIG. 2 is a diagram showing a software configuration of a financial server 50. FIG. 2 is a diagram illustrating a hardware configuration of a movable property management server 30. FIG. 3 is a diagram illustrating a software configuration of the movable property management server 30. FIG. It is a figure which shows the structural example of the movable property management information memorize | stored in the movable property management table. It is a figure which shows the structural example of the monitoring information registered into the monitoring table. It is a figure which shows the example of a structure of the accounts receivable information memorize | stored in the accounts receivable accounts management table 353, and accounts payable information. It is a figure which shows the structural example of the loan management information memorize | stored in the loan management table 354. It is a figure which shows the flow of the registration process of the monitoring information by the registration file name reception part 313. FIG. It is a figure which shows the flow of a process by the shipment information receiving part 314. It is a figure which shows the flow of a process by the inspection information receiving part 317. It is a figure for demonstrating the flow of the information in a movable property management system.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Buyer terminal 20 Supplier terminal 30 Property management server 40 Registration server 50 Financial server 60 Payment agent terminal 70 Communication network 101 CPU
DESCRIPTION OF SYMBOLS 102 Memory 103 Memory | storage device 104 Communication interface 105 Input device 106 Output device 107 IC tag reader 111 Order information input part 112 Order information transmission part 113 Arrival product number input part 114 Arrival information transmission part 115 Inspection product number input part 116 Inspection information transmission part 117 Inspection notification transmission unit 201 CPU
202 Memory 203 Storage Device 204 Communication Interface 205 Input Device 206 Output Device 207 IC Tag Reader 211 Order Information Reception Unit 212 Order Information Output Unit 213 Registration Request Transmission Unit 214 Registration File Name Reception Unit 215 Transfer Information Transmission Unit 216 Shipment Product Number Input Unit 217 Shipping information transmission unit 218 Loan application information input unit 219 Loan application information transmission unit 220 Loan request transmission unit 301 CPU 302 Memory 303 Storage device 304 Communication interface 311 Ordering information reception unit 312 Ordering information transmission unit 313 Transfer information reception unit 314 Shipping information reception Unit 315 Loan application information receiving unit 316 Arrival information receiving unit 317 Inspection information receiving unit 318 Loan application information acquisition request receiving unit 319 Loan application information transmitting unit 320 Actual information acquisition request receiving unit 321 Actual information transmitting unit 322 Loan execution information receiving unit 351 Personal property management table 352 Monitoring table 353 Accounts payable management table 354 Loan management table 501 CPU 502 Memory 503 Storage device 504 Communication interface 505 Input device 506 Output device 511 Loan request receiving unit 512 Loan application information acquisition request Transmission unit 513 Loan application information reception unit 514 Registration information acquisition request transmission unit 515 Registration information reception unit 516 Performance information acquisition request transmission unit 517 Performance information reception unit 518 Supplier information output unit 519 Loan execution information input unit 520 Loan execution information transmission unit

Claims (4)

A system for managing movable property subject to transfer collateral,
A monitoring table for storing owner identification information for identifying the owner of the movable property, and occupant identification information for identifying the occupant of the movable property, in association with the movable property ID for identifying the movable property; ,
A transfer information input unit that receives input of transfer information including the movable property ID, a supplier ID indicating a supplier of the movable property, and a financial institution ID indicating a financial institution to which the movable property is transferred;
In response to the input of the transfer information, the financial institution ID and the supplier ID included in the transfer information are associated with the movable property ID included in the transfer information, the owner specifying information and the occupant specifying A transfer information registration unit for registering in the monitoring table as information;
A arrival information input unit for receiving input of arrival information indicating that the movable property has arrived, including a purchaser ID to be sold to the movable property, and the movable property ID;
An arrival information registration unit that updates the occupant identification information corresponding to the movable property ID included in the arrival information to the purchaser ID included in the arrival information in response to the input of the arrival information;
An inspection information input unit that receives input of inspection information indicating that the movable property is inspected by the purchaser, including the movable property ID indicating the movable property and the purchaser ID;
An inspection information registration unit that updates the owner identification information corresponding to the movable property ID included in the inspection information to the purchaser ID included in the inspection information in response to the input of the inspection information;
Accounts receivable for receiving input of account information including the supplier ID, the purchaser ID, the number of shipments of the movable property shipped from the supplier to the purchaser, the shipping amount, and the shipment ID identifying the shipment An input section;
An accounts receivable table for storing the accounts receivable information;
An accounts payable information input unit for receiving input of accounts payable information including the shipment ID, the number of inspections that have passed inspection among the movables related to the shipment, and a fixed amount obtained by totaling the sales amounts of the inspected movables; ,
An accounts payable table for storing the accounts payable information;
A command input unit that receives an input of a command for obtaining the dilution rate of the supplier including the supplier ID;
The accounts receivable information corresponding to the supplier ID included in the command is read from the accounts receivable table, and the accounts payable information corresponding to the shipping ID included in each of the read accounts receivable information is read from the accounts payable table. A dilution rate output unit that calculates a ratio of the fixed amount included in the payable information to the shipping amount included in the accounts receivable information as the dilution rate and outputs the calculated dilution rate When,
A movable property management system comprising: The movable property management system according to claim 1,
The movable property is accompanied by an IC tag in which the movable property ID is stored,
An IC tag reader for reading the movable property ID from the IC tag attached to the movable property;
The arrival information input unit and the inspection information input unit read the movable property ID from the IC tag via the IC tag reader;
Movable property management system characterized by The movable property management system according to claim 1,
Loan application information input for receiving input of loan application information including the supplier ID, the movable property ID, and the loan amount that the supplier applies to the financial institution with the movable property indicated by the movable property ID as collateral And
A loan management table for storing the received loan application information;
A loan application information output unit that reads the loan application information corresponding to the supplier ID included in the command from the loan management table, and outputs the read loan application information;
A movable property management system comprising: A method for managing movable property subject to transfer collateral,
A computer comprising a monitoring table for storing owner identification information for identifying the owner of the movable property and occupant identification information indicating the occupant of the movable property in association with a movable property ID for identifying the movable property. ,
Receiving transfer information including the movable property ID, a supplier ID indicating a supplier of the movable property, and a financial institution ID indicating a financial institution to which the movable property is transferred;
In response to the input of the transfer information, the financial institution ID and the supplier ID included in the transfer information are associated with the movable property ID included in the transfer information, the owner specifying information and the occupant specifying Register it in the monitoring table as information,
Receiving an input of arrival information indicating that the movable property has arrived, including a purchaser ID to be sold to the movable property and the movable property ID;
In response to the input of the arrival information, the occupant identification information corresponding to the movable property ID included in the arrival information is updated to the purchaser ID included in the arrival information,
Receiving inspection information indicating that the movable property has been inspected by the purchaser, including the movable property ID indicating the movable property and the purchaser ID;
In response to the input of the inspection information, the owner specifying information corresponding to the movable property ID included in the inspection information is updated to the purchaser ID included in the inspection information,
Accepting input of accounts receivable information including the supplier ID, the purchaser ID, the number of shipments of the movable property shipped from the supplier to the purchaser, the shipping amount, and the shipment ID specifying the shipment; Store credit information in the accounts receivable table,
Accepting the input of payable information including the shipment ID, the number of inspections that have passed inspection among the movables related to the shipment, and the fixed amount obtained by totaling the sales amounts of the inspected movables; Memorize in the accounts payable table,
Receiving an input of a command including the supplier ID for obtaining the dilution rate of the supplier;
The accounts receivable information corresponding to the supplier ID included in the command is read from the accounts receivable table, and the accounts payable information corresponding to the shipping ID included in each of the read accounts receivable information is read from the accounts payable table. Calculating a ratio of the fixed amount included in the payable information to the shipping amount included in the accounts receivable information as the dilution rate, and outputting the calculated dilution rate.
Movable property management method characterized by this.

Images