Business support device, business support method, and business support program

Abstract

To provide a business support device which can reduce a business burden after receiving an examination result of a loan in a business partner.SOLUTION: In the business support device, an examination result data receiving unit receives business partner examination result data of a loan in a business partner, from the business partner. An examination result data processing unit generates a business partner examination result, collates generated examination result data with determination result data including a determination result of a guarantee and an approved amount of money in a company, acquires determination result data, compares an acquired determination result with a partner company examination result of examination result data, acquires a document provision state with reference to document reception state data indicating whether or not all of required documents are prepared if comparison results indicate approval together, refers to a bank guarantee-oriented commodity-based sorted master in the case of the document provision state indicating incompletion, performs update to a case status requesting submission of documents if the documents are required, and updates the case status to a status for contract contents guide transmission if any documents are not required.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to a business support device, a business support method, and a business support program.

Background Art

[0002] Today, by causing an information processing device to cooperate with a terminal device, a server, and a financial institution server, it has become possible to reserve the opening of a financial institution account in the name of a corporation whose establishment is not yet complete, based on the description content regarding corporate registration input at the time of company establishment.

[0003] In Patent Document 1 (Japanese Patent Application Laid-Open No. 2023-162584), technologies for cooperating systems and streamlining operations are disclosed in paragraphs 0047, 0071, etc.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] However, for a company that conducts guarantee business, development of a business support device capable of reducing the business burden after receiving the review result of the financing of a partner is desired.

[0006] The present invention has been made in view of the above problems, and an object thereof is to provide a business support device, a business support method, and a business support program capable of reducing the business burden after receiving the review result of the financing of a partner.

Means for Solving the Problems

[0007] In order to solve the above problems and achieve the object, a business support apparatus according to the present invention receives partner review result data including the partner, reception identification information, and a review result of reviewing approval or non-approval of financing at the partner from the partner, takes in the partner review result data, and generates review result data including the partner review result; collates the generated review result data with the reception identification information, case identification information, product identification information, determination result data including a determination result of determining approval or non-approval of guarantee at the company itself and an approved amount, and acquires the determination result data specified by the review result data; a comparison unit that compares the acquired determination result with the partner review result of the review result data; when the comparison result is that both the determination result and the partner review result are approved, refers to document reception status data including a document availability status indicating whether the case identification information and necessary documents are complete, and acquires the document availability status corresponding to the case identification information; a document availability status acquisition unit; when the acquired document availability status is incomplete, refers to a bank guarantee-specific allocation master that manages the necessity of documents, and when documents are required, updates the case status of the case data specified by the reception identification information to a case status that requests submission of documents, and when documents are not required, updates the case status of the case data specified by the reception identification information to a case status of sending a contract content notice.

[0008] Also, in order to solve the above problems and achieve the object, the business support method according to the present invention includes a review result data generation step in which a review result data generation unit receives partner review result data including the partner, reception identification information, and a review result of financing approval or disapproval reviewed by the partner from the partner, imports the partner review result data, and generates review result data including the partner review result; a determination result data acquisition step in which a determination result data acquisition unit collates the generated review result data with determination result data including the reception identification information, case identification information, product identification information, a determination result of guarantee approval or disapproval made by the company itself, and an approved amount, and acquires the determination result data specified by the review result data; a comparison step in which a comparison unit compares the acquired determination result with the partner review result of the review result data; a document availability status acquisition step in which a document availability status acquisition unit refers to document reception status data including a document availability status indicating whether or not the case identification information and necessary documents are complete when the comparison result is approval for both the determination result and the partner review result, and acquires the document availability status corresponding to the case identification information; and a case status update step in which a case status update unit refers to a product-by-product allocation master for bank guarantees that manages the necessity of documents when the acquired document availability status is incomplete, updates the case status of the case data specified by the reception identification information to a case status requesting submission of documents when documents are required, and updates the case status of the case data specified by the reception identification information to a case status of sending a contract content guide when documents are not required.

[0009] In addition, in order to solve the above-described problems and achieve the object, the business support program according to the present invention causes a computer to receive from a partner partner review result data including the partner, reception identification information, and a review result of reviewing approval or non-approval of financing at the partner, import the partner review result data, and generate review result data including the partner review result; collate the generated review result data with the reception identification information, case identification information, product identification information, determination result data including a determination result of determining approval or non-approval of guarantee and an approved amount at the company itself, and acquire the determination result data specified by the review result data; a comparison unit that compares the acquired determination result with the partner review result of the review result data; when the comparison result is that both the determination result and the partner review result are approved, referring to document reception status data including a document availability status indicating whether the case identification information and necessary documents are complete, and acquiring the document availability status corresponding to the case identification information; a document status update unit that refers to a product-by-product allocation master for bank guarantees that manages the necessity of documents when the acquired document availability status is incomplete, updates the case status of the case data specified by the reception identification information to a case status that requests submission of documents when documents are required, and updates the case status of the case data specified by the reception identification information to a case status of sending a contract content guide when documents are not required, and functions as such.

Effect of the Invention

[0010] The present invention can reduce the business burden after receiving the review result of financing from a partner.

Brief Description of the Drawings

[0011]

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[0012] Hereinafter, a business support apparatus according to an embodiment to which the present invention is applied will be described in detail with reference to the drawings. Although it is an example, the business support apparatus of this embodiment is a business support apparatus operated by a person in charge on the guarantee company side such as for financing. The guarantee company receives the examination results of the partner financial institution (such as a bank). The guarantee company compares its own judgment result with the examination result of the partner financial institution, and depending on the result, various actions such as contacting the end user (financing applicant) or re-examination by the guarantee company are taken. The business support apparatus of the embodiment is an apparatus that automates the capture of the received examination results of the partner financial institution, the judgment of the processing after receiving the examination results of the partner financial institution, etc., and supports the business. Note that the present invention is not limited to the following embodiments described as an example.

[0013] (Overview) Regarding a company that conducts guarantee business, after receiving the examination results of the partner from the partner, it manually reflected them in the system and then made a human judgment on the subsequent response and decided.

[0014] However, in the guarantee company, the registration and judgment of the examination results received from the partner financial institution by the person in charge were complicated and time-consuming, mistakes were likely to occur, and the business burden was large. Therefore, the guarantee company automates the processing after receiving the examination results from the partner financial institution to improve the efficiency of the business. In addition, regarding the judgment of the subsequent processing, after patterning and organizing the processing, the process transition is automatically performed and the next action is clarified, thereby further improving the efficiency of the business.

[0015] (Review Result Data Import Process) First, the surety company receives review result data from the partner financial institution. Then, the business support device according to the embodiment updates the storage area of the partner review result in the review result data storage unit with the review result of the review result data of the partner financial institution received. Also, at that time, the business support device according to the embodiment updates the storage area of the partner review result in the fund data storage unit with the review result of the received review result data.

[0016] The business support device according to the embodiment collates the review result data and the determination result data, identifies the determination result data corresponding to the review result data, and acquires the determination result data. The business support device according to the embodiment compares the determination result of the acquired determination result data with the partner review result of the review result data.

[0017] When the comparison result shows that both the determination and review results are "Approved", the business support device according to the embodiment refers to the document receipt status data. When the document availability status in the document receipt status data is "Incomplete", the business support device according to the embodiment refers to the product-by-product allocation master for bank guarantees to confirm the "Need for Documents".

[0018] As a result of referring to the product-by-product allocation master for bank guarantees, if it is determined that "Documents are required", the business support device according to the embodiment updates the case status of the case data in the case data storage unit from "Waiting for Partner Review Result" to "Document Upload Email Distribution". Note that "Email Distribution" in "Document Upload Email Distribution" indicates the distribution of an email. "Email Distribution" described below also indicates the distribution of an email, and "mail" indicates an email.

[0019] As a result of referring to the product-by-product allocation master for bank guarantees, if it is determined that "Documents are not required", the business support device according to the embodiment updates the case status of the case data in the case data storage unit from "Waiting for Partner Review Result" to "Contract Content Notification Email Distribution".

[0020] When the determination and review results are both "Approved" as a result of the comparison, the business support device according to the embodiment refers to the document receipt status data. When the document availability status in the document receipt status data is "Available", the business support device according to the embodiment updates the case status of the case data in the case data storage unit from "Waiting for partner review result" to "Contract content guidance email distribution".

[0021] When the determination and review results are both non-approved and match as a result of the comparison (for example, rejection or withdrawal included in non-approval, both "Rejected" or one is "Withdrawn" and the other is "Rejected", etc.), the business support device according to the embodiment updates the case status of the case data in the case data storage unit from "Waiting for partner review result" to "Rejection email distribution".

[0022] When the determination result and the review result are inconsistent as a result of the comparison, the business support device according to the embodiment updates the case status of the case data in the case data storage unit from "Waiting for partner review result" to "Re-review" or "Individual response". When the business support device according to the embodiment updates to "Re-review", it is the case where the insurance company approves and the partner financial institution does not approve. On the other hand, when the business support device according to the embodiment updates to "Individual response", it is the case where the insurance company does not approve and the partner financial institution approves.

[0023] As a result, the next process becomes clear automatically, the burden on the staff of the insurance company is reduced, and efficiency can be improved.

[0024] (Hardware Configuration) FIG. 1 is a block diagram showing the hardware configuration of the business support apparatus 1 according to the embodiment. As shown in FIG. 1, the business support apparatus 1 according to the embodiment includes a storage unit 2, a control unit 3, a communication interface unit 4, and an input / output interface unit 5. An input device 6 and an output device 7 are connected to the input / output interface unit 5. As the output device 7, a display unit such as a monitor device (including a home television), a printing device, or a speaker device can be used. As the input device 6, in addition to a keyboard device, a mouse device, and a microphone device, a monitor device that realizes a pointing device function in cooperation with the mouse device can be used. The communication interface unit 4 is connected to a network such as a wide area network such as the Internet or a private network such as a LAN (Local Area Network).

[0025] As the storage unit 2, for example, a storage device such as a ROM (Read Only Memory), a RAM (Random Access Memory), an HDD (Hard Disk Drive), or an SSD (Solid State Drive) can be used. A business support program for reducing the burden on the work of the insurance company's staff and improving work efficiency is stored in the storage unit 2.

[0026] In addition, in this storage unit 2, a case data storage unit 11, a determination data storage unit 12, a determination result data storage unit 14, a review result data storage unit 16, a document reception status data storage unit 17, and a fund data storage unit 19, which are storage areas, are provided. In addition, various masters such as a product master 13, an answer status transition destination management master 15, and a product-by-product allocation master 18 for bank guarantees are stored in the storage unit 2.

[0027] In addition, case data 11 is stored in the case data storage unit 11, judgment data 12 is stored in the judgment data storage unit 12, and judgment result data 14 is stored in the judgment result data storage unit 14. Further, examination result data 16 is stored in the examination result data storage unit 16, document reception status data 17 is stored in the document reception status data storage unit 17, and fund data 19 is stored in the fund data storage unit 19.

[0028] (Functional Configuration of Business Support Device) Next, the control unit 3 functions as a judgment result data creation unit 21 and an examination result data import processing unit 22 as shown in FIG. 1 by executing the business support program stored in the storage unit 2. The judgment result data creation unit 21 includes the functions of a judgment data creation unit 23, a judgment result data creation processing unit 24, and a judgment result response processing unit 25. The examination result data import processing unit 22 includes the functions of an examination result data import unit 26 and an examination result data processing unit 27. It should be noted that the judgment result data creation unit 21 to the examination result data processing unit 27 will be described as being realized by software by the business support program, but part or all of the judgment result data creation unit 21 to the examination result data processing unit 27 may be realized by hardware. In any case, the same effects as those described later can be obtained.

[0029] The examination result data import unit 26 includes the functions of the examination result data generation unit of the present invention. In addition, the examination result data processing unit 27 includes the functions of the judgment result data acquisition unit, comparison unit, document availability acquisition unit, and case status update unit of the present invention.

[0030] The determination data creation unit 23 of the determination result data creation unit 21 obtains the results of the credit investigation of the financing applicant conducted by the guarantee company, and obtains the case identification information (for example, case number, etc.) of the case data corresponding to the results. Then, based on this investigation result and the case data, the determination data creation unit 23 generates determination data 12 including the determination result, review status, approved amount, financing interest rate, and guarantee fee rate for each case identification information. The determination data creation unit 23 updates the case status of the case data 11 to "approved" indicating that it has been determined by the guarantee company. For cases with a determination result of "approved", it assigns a guarantee identification information (for example, guarantee number, etc.) and adds the guarantee identification information to the case data 11.

[0031] The determination result data creation processing unit 24 of the determination result data creation unit 21 extracts the data from the case data 11 whose case status is "approved", and obtains the determination data 12 generated by the determination data creation unit 23. Then, based on the extracted approved data and the determination data 12, the determination result data creation processing unit 24 generates determination result data 14 including the case identification number, reception number, guarantee identification information, product identification information (for example, product code), partner, which is the partner financial institution, membership route, WEB completion type FLG, email non-receipt FLG, determination result, review status, approved amount, financing interest rate, and guarantee fee rate.

[0032] The determination result response processing unit 25 of the determination result data creation unit 21 refers to the product master 13 based on the product identification information of the determination result data 14 generated by the determination result data creation processing unit 24, and extracts the response method and the transmission target flag set at each time. The determination result response processing unit 25 creates data etc. corresponding to the extracted response method, and instructs the transmission control unit to respond to the partner financial institution using the obtained response method.

[0033] The determination result response processing unit 25 refers to the response status transition destination management master 15 based on the determination result data 14, and obtains the transition destination status. The determination result response processing unit 25 updates the obtained transition destination status to the case data whose case status is "approved".

[0034] The examination result data import section 26 of the examination result data import processing section 22 imports the examination results received from the partner financial institution, and generates examination result data 16 including the partner, the reception identification information (for example, the reception number, etc.), the guarantee identification number, and the partner examination result.

[0035] Based on the generated examination result data 16 and the determination result data 14, the examination result data import section 26 generates fund data 19 including the reception identification information, the partner examination result registration date, and the partner examination result.

[0036] The examination result data processing section 27 of the examination result data import processing section 22 compares the partner examination result corresponding to the reception identification information of the examination result data 16 with the determination result corresponding to the reception identification information of the determination result data 14.

[0037] (In the case of approval) When both the comparison result and the determination result are "approved" for both the partner examination result and the determination result, the examination result data processing section 27 refers to the document receipt status data 17 and acquires the document availability status corresponding to the case identification information.

[0038] When the document availability status is "available", the examination result data processing section 27 acquires the case data corresponding to the case identification information of the case data, and updates the case status from "awaiting partner examination result" to "sending contract content guidance email".

[0039] When the document availability status is "incomplete", the examination result data processing section 27 acquires the product identification information and the approved amount corresponding to the case identification information of the determination result data 14. Based on the acquired product identification information and the approved amount, the examination result data processing section 27 refers to the product allocation master 18 for bank guarantees and acquires the necessity of documents.

[0040] When the acquired necessity of documents is "necessary", the examination result data processing section 27 acquires the case data corresponding to the case identification information of the case data, and updates the case status from "awaiting partner examination result" to "sending document upload email".

[0041] When the obtained document necessity is "unnecessary", the review result data processing unit 27 acquires the case data corresponding to the case identification information of the case data, and updates the case status from "awaiting partner review result" to "sending contract content guidance email".

[0042] (In the case of non-approval) When the comparison result and the partner review result are both "non-approval", the review result data processing unit 27 acquires the case data corresponding to the case identification information of the case data, and updates the case status from "awaiting partner review result" to "sending rejection email".

[0043] (In the case of different) When the comparison result shows "rejection" which is included in the non-approval of the partner review result, and the judgment result is "approval", the review result data processing unit 27 acquires the case data corresponding to the case identification information of the case data, and updates the case status from "awaiting partner review result" to "re-review".

[0044] When the comparison result shows that the partner review result is "approval", and the judgment result shows "rejection" which is included in the non-approval, the review result data processing unit 27 acquires the case data corresponding to the case identification information of the case data, and updates the case status from "awaiting partner review result" to "individual response".

[0045] (Judgment result data creation, response to partner financial institution, and case data update operation) Next, the judgment result data creation, response to the partner financial institution, and case data update operation in the business support device 1 of the embodiment having such a configuration will be described. FIG. 2 is a diagram showing the flow of the judgment result data creation, response to the partner financial institution, and case data update operation executed by the business support device of the embodiment. The control unit 3 of the business support device 1 of the embodiment functions as a judgment result data creation unit 21 by executing the business support program stored in the storage unit 2, and executes the judgment data creation process in step S4 to the judgment result response process in step S6 shown in FIG. 2. Also, FIG. 4 shows an example of the process transition after the judgment result data is created.

[0046] (Step S1: Reception Process) First, as a premise, the person in charge at the surety company receives an application from the partner financial institution, checks the details, and enters the case number, reception number, product code, partner financial institution, etc. Based on this input, the business support program of the business support device 1 generates the case data 11 shown in S1 of FIG. 2 and stores it in the case data storage unit 11 of the storage unit 2.

[0047] (Step S2: Investigation) Next, as a premise, the person in charge at the surety company obtains the credit information, existing contracts, score values, etc. of the applicant for financing, and comprehensively judges the creditworthiness of the applicant for financing. The person in charge at the surety company inputs the result of the financing judgment as the surety company.

[0048] (Step S3: Status Update) The judgment data creation unit 23 of the judgment result data creation unit 21 updates the case status of the record corresponding to the case number of the case data 11 to "approved" based on the judgment result input by the person in charge at the surety company, and stores it in the case data storage unit 11 of the storage unit 2. Furthermore, when the input judgment result is "approved", the judgment data creation unit 23 adds a surety number to the record corresponding to the case number of the case data 11 and stores it in the case data storage unit 11 of the storage unit 2.

[0049] (Step S4: Judgment Data Creation Process) The judgment data creation unit 23 generates the judgment data 12 illustrated in FIG. 7 based on the result input of the financing judgment by the person in charge at the surety company, and stores it in the judgment data storage unit 12 of the storage unit 2.

[0050] (Step S5: Judgment Result Data Creation Process) The determination result data creation processing unit 24 of the determination result data creation unit 21 extracts records in which the case status of the case data 11 illustrated in FIG. 6 is "approved", and extracts records of the determination data 12 illustrated in FIG. 7 based on the case number. The determination result data creation processing unit 24 generates determination result data 14 illustrated in FIGS. 9 and 10 based on the extracted records of both parties, and stores them in the determination result data storage unit 14 of the storage unit 2.

[0051] Based on the product code of the determination result data 14, the determination result data creation processing unit 24 refers to the product master 13 shown in FIG. 8, and extracts the partner, response method, hourly transmission target flag (FAX), transmission format, etc.

[0052] Based on the generated determination result data 14, the determination result data creation processing unit 24 refers to the response status transition destination management master 15 illustrated in FIG. 14, and acquires the "transition destination status" from the response status transition destination management master 15. Then, as illustrated in FIG. 15, the determination result data creation processing unit 24 updates the "transition destination status" obtained to the "transition destination status" obtained from the case status of the extracted case data 11 being "approved", and stores it in the case data storage unit 11 of the storage unit 2.

[0053] For example, in the case of the case number "500001" of the determination result data 14 illustrated in FIGS. 9 and 10, the determination result data creation processing unit 24 refers to the response status transition destination management master 15 shown in FIG. 14 based on the product code "7001", membership route "WEB", WEB completion type FLG "0: other than WEB completion type", email non-receipt FLG "0: no non-receipt", determination result "rejection", and review status "initial review" of the record with the case number "500001" of the determination result data 14, and acquires the transition destination status "rejection notice (email)" where the item "review status" matches from the item "product code".

[0054] Then, the determination result data creation processing unit 24 updates the case status of case number "500001" from "approved" to "rejection notice (email)" among the "approved" records extracted from the case data 11, and stores it in the case data storage unit 11 of the storage unit 2.

[0055] (Step S6: Determination result response processing) The determination result response processing unit 25 creates transmission data corresponding to the response method extracted by the determination result data creation processing unit 24, and instructs the transmission control unit of the business support device 1 to perform transmission according to the response method.

[0056] For example, in the determination result data illustrated in FIGS. 9 and 10, since the product codes corresponding to case numbers "500001" to "500010" are "7001" and "7002", the determination result response processing unit 25 extracts the response method "FAX" of the product master 13 illustrated in FIG. 8. Also, in the determination result data illustrated in FIGS. 9 and 10, since the product code corresponding to case numbers "500011" to "500014" is "7003", the determination result response processing unit 25 extracts the response method "API" of the product master 13 illustrated in FIG. 8.

[0057] The determination result response processing unit 25 creates PDF data for transmission by FAX for case numbers "500001" to "500010". Then, the determination result response processing unit 25 instructs the communication interface unit 4 of the business support device 1 to transmit the created PDF (Portable Document Format) data using a facsimile transceiver (FAX device).

[0058] The determination result response processing unit 25 creates response data for when called by the API of another system for case numbers "500011" to "500014". Then, the determination result response processing unit 25 instructs the communication interface unit 4 to transmit the response data created when called by the API of another system.

[0059] Note that when the response method of the product master 13 shown in FIG. 8 is "data", the determination result response processing unit 25 outputs in text data and instructs the communication interface unit 4 of the business support apparatus 1 to perform data transmission using a file transfer tool.

[0060] (Examination Result Data Import Processing and Case Data Update Operation) Next, the examination result data import processing and the case data update operation in the business support apparatus 1 of the embodiment having such a configuration will be described. FIG. 3 is a diagram showing the flow of the examination result data import processing and the case data update operation executed by the business support apparatus of the embodiment. The control unit 3 of the business support apparatus 1 of the embodiment functions as an examination result data import processing unit 22 by executing the business support program stored in the storage unit 2, and executes the examination result data import processing in step S20 shown in FIG. 3. FIG. 5 shows an example of the process transition after the examination result data is imported.

[0061] (Step S20: Examination Result Data Import) (Common Processing) The examination result data import unit 26 of the examination result data import processing unit 22 imports the examination result data (not shown) received from the partner financial institution into the business support apparatus 1, generates examination result data 16 exemplified in FIG. 16 including the partner, the reception number, the guarantee number, and the partner examination result, and stores it in the examination result data storage unit 16 of the storage unit 2.

[0062] Based on the generated examination result data 16 and the determination result data 14, the examination result data import unit 26 generates fund data 19 exemplified in FIG. 22 including the reception identification information, the partner examination result registration date, and the partner examination result, and stores it in the fund data storage unit 19 of the storage unit 2.

[0063] Based on the examination result data 16 generated by the examination result data capture unit 26, the examination result data processing unit 27 of the examination result data capture processing unit 22 collates the determination result data 14 illustrated in FIG. 17 and compares the partner examination result corresponding to the same reception number in the examination result data 16 with the determination result corresponding to the same reception number in the determination result data 14.

[0064] (In the case of approval) The examination result data processing unit 27 will specifically explain the case where the comparison result of the partner examination result in the examination result data 16 and the determination result in the determination result data 14 shows that both are "approved".

[0065] (Approval: When the documents are complete) For example, the examination result data processing unit 27 compares the partner examination result "Approved" of the record with the reception number "1111114" in the examination result data 16 illustrated in FIG. 16 with the determination result "Approved" of the record with the reception number "1111114" in the determination result data 14 illustrated in FIG. 17, and confirms that both are "approved".

[0066] The examination result data processing unit 27 acquires the case number "500004" corresponding to the reception number "1111114" in the determination result data 14 illustrated in FIG. 17. Based on the case number, the examination result data processing unit 27 refers to the document reception status data 17 illustrated in FIG. 18 and confirms that the document availability status is "available".

[0067] The examination result data processing unit 27 refers to the case data 11, updates the case status corresponding to the case number "500004" from "awaiting partner examination result" to "contract content notification email distribution", and stores it in the case data storage unit 11 of the storage unit 2 (see FIGS. 19 and 21).

[0068] (Approval: When the documents are incomplete) The examination result data processing unit 27 compares, for example, the examination result of "Approval" of the partner examination result in the record with the reception number "1111121" of the examination result data 16 illustrated in FIG. 16 and the determination result of "Approval" of the determination result in the record with the reception number "1111121" of the determination result data 14 illustrated in FIG. 17, and confirms that both are "Approval".

[0069] The examination result data processing unit 27 acquires the case number "500011" corresponding to the reception number "1111121" of the determination result data 14 illustrated in FIG. 17. Based on the case number, the examination result data processing unit 27 refers to the document reception status data 17 illustrated in FIG. 18 and confirms that the document availability status is "incomplete".

[0070] The examination result data processing unit 27 refers to the determination result data 14 illustrated in FIG. 17, acquires the product code "7003", employment classification "2: Worker", and approval amount "2,000,000 yen" of the case number "500011", refers to the product-by-product allocation master 18 for bank guarantees illustrated in FIG. 20, and confirms that the necessity of documents for the data matching the information acquired from the determination result data 14 is "necessary".

[0071] The examination result data processing unit 27 refers to the case data 11, updates the case status corresponding to the case number "500011" from "awaiting partner examination result" to "document upload email distribution", and stores it in the case data storage unit 11 of the storage unit 2 (see FIGS. 19 and 21).

[0072] (Approval: When documents are not required) The examination result data processing unit 27 compares, for example, the examination result of "Approval" of the partner examination result in the record with the reception number "1111117" of the examination result data 16 illustrated in FIG. 16 and the determination result of "Approval" of the determination result in the record with the reception number "1111117" of the determination result data 14 illustrated in FIG. 17, and confirms that both are "Approval".

[0073] The examination result data processing unit 27 acquires the case number "500007" corresponding to the receipt number "1111117" of the determination result data 14 illustrated in FIG. 17. Based on the case number, the examination result data processing unit 27 refers to the document receipt status data 17 illustrated in FIG. 18 and confirms that the document availability status is "incomplete".

[0074] The examination result data processing unit 27 refers to the determination result data 14 illustrated in FIG. 17, acquires the product code "7002", employment classification "1: employer", and approved amount "800,000 yen" of the case number "500007", refers to the product-by-product allocation master 18 for bank guarantees illustrated in FIG. 20, and confirms that the document requirement for the data matching the information acquired from the determination result data 14 is "not required".

[0075] The examination result data processing unit 27 refers to the case data 11, updates the case status corresponding to the case number "500007" from "awaiting partner examination result" to "sending contract content guidance email", and stores it in the case data storage unit 11 of the storage unit 2 (see FIGS. 19 and 21).

[0076] (In the case of non-approval and matching) The examination result data processing unit 27 will specifically explain the case where both the partner examination result in the examination result data 16 and the determination result in the determination result data 14 are non-approved as a result of comparing them.

[0077] The examination result data processing unit 27 compares, for example, the partner examination result "rejected" of the record with the receipt number "1111124" of the examination result data 16 illustrated in FIG. 16 and the determination result "withdrawal" of the record with the receipt number "1111124" of the determination result data 14 illustrated in FIG. 17, and confirms that both are non-approved.

[0078] The examination result data processing unit 27 acquires the case number "500014" corresponding to the receipt number "1111124" of the determination result data 14 illustrated in FIG. 17.

[0079] The examination result data processing unit 27 refers to the case data 11, updates the case status corresponding to the case number "500014" from "awaiting partner examination result" to "rejection email distribution", and stores it in the case data storage unit 11 of the storage unit 2 (see FIGS. 19 and 21).

[0080] (In case of inconsistency) The examination result data processing unit 27 will specifically explain the case where, as a result of comparing the partner examination result in the examination result data 16 with the determination result in the determination result data 14, the two are inconsistent.

[0081] The examination result data processing unit 27 compares, for example, the partner examination result of the record with the acceptance number "1111115" in the examination result data 16 illustrated in FIG. 16, which is "rejection", with the determination result of the record with the acceptance number "1111115" in the determination result data 14 illustrated in FIG. 17, which is "approval", and confirms that they are inconsistent.

[0082] The examination result data processing unit 27 acquires the case number "500005" corresponding to the acceptance number "1111115" in the determination result data 14 illustrated in FIG. 17.

[0083] The examination result data processing unit 27 refers to the case data 11, updates the case status corresponding to the case number "500005" from "awaiting partner examination result" to "re-examination", and stores it in the case data storage unit 11 of the storage unit 2 (see FIGS. 19 and 21).

[0084] In addition, as shown in the case numbers "500006" in FIGS. 16 and 17, when the determination result of the guarantee company is "rejection" but the partner examination result of the partner financial institution is "approval", the examination result data processing unit 27 updates the case status from "awaiting partner examination result" to "individual response", and stores it in the case data storage unit 11 of the storage unit 2 (see FIGS. 19 and 21).

[0085] (Effects of the embodiment) As is clear from the above description, the business support device 1 of the embodiment can obtain the following effects.

[0086] The business support device 1 according to the embodiment automatically imports the review result data from the partner financial institution, and then automatically transitions to the next process according to the case. As a result, the workload of the person in charge at the guarantee company can be reduced, the efficiency of the review can be improved, the accuracy can be improved, and the customer satisfaction can be improved.

[0087] [Contribution to the Sustainable Development Goals (SDGs) led by the United Nations] According to this embodiment, since it can contribute to promoting business efficiency and appropriate business judgment of enterprises, it is possible to contribute to Goals 8 and 9 of the SDGs.

[0088] In addition, according to this embodiment, since it can contribute to reducing waste loss and promoting paperless and digitization, it is possible to contribute to Goals 12, 13 and 15 of the SDGs.

[0089] In addition, according to this embodiment, since it can contribute to strengthening control and governance, it is possible to contribute to Goal 16 of the SDGs.

[0090] [Other embodiments] The present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims, in addition to the above-described embodiments.

[0091] For example, among the processes described in the embodiment, all or part of the processes described as being automatically performed can be manually performed, or all or part of the processes described as being manually performed can be automatically performed by a known method.

[0092] In addition, regarding the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and the drawings, they can be arbitrarily changed unless otherwise specified.

[0093] Moreover, with respect to the business support apparatus 1, each of the illustrated components is conceptually functional and does not necessarily need to be physically configured as shown in the figure.

[0094] For example, with respect to the processing functions provided in the business support apparatus 1, particularly the control unit 3 and each processing function performed by the control unit 3, all or any part thereof may be realized by a CPU (Central Processing Unit) and a program interpreted and executed by the CPU, or may also be realized as hardware by wired logic. The program is recorded in a non-transitory computer-readable recording medium including programmed instructions for causing the information processing apparatus to execute the processing described in the present embodiment, and is mechanically read by the business support apparatus 1 as necessary. That is, in a storage unit such as a ROM or an HDD, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded. This computer program is executed by being loaded into the RAM, and constitutes the control unit 3 in cooperation with the CPU.

[0095] In addition, the business support program of the business support apparatus 1 may be stored in another server apparatus connected to the business support apparatus 1 via an arbitrary network, and all or part thereof can be downloaded as necessary.

[0096] Also, a business support program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium, and may also be configured as a program product. Here, this "recording medium" includes any "portable physical medium" such as a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical Disk), a DVD (Digital Versatile Disk), and a Blu-ray (registered trademark) Disc.

[0097] Also, a "program" is a data processing method described in any language or description method, regardless of the form such as source code or binary code. Note that the "program" is not necessarily limited to being configured in a single form, and includes those that are distributed as a plurality of modules or libraries, or those that achieve their functions in cooperation with another program represented by an OS. Regarding the specific configuration, reading procedure, and installation procedure after reading for reading the recording medium in the business support apparatus 1 shown in the embodiment, well-known configurations and procedures can be used.

[0098] The storage unit 2 is a storage means such as a memory device such as a RAM or a ROM, a fixed disk device such as a hard disk, a flexible disk, and an optical disk, and stores various programs, tables, databases, and web page files used for various processes and website provision.

[0099] Further, the business support device 1 may be configured by an information processing device such as a known personal computer device or a workstation, or may be configured by an information processing device to which an arbitrary peripheral device is connected. Further, the information processing device may be realized by implementing software (including programs or data, etc.) for realizing the processing described in the present embodiment.

[0100] Furthermore, the specific forms of distribution and integration of the devices are not limited to those shown in the drawings, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various additions or according to the function load. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

Industrial Applicability

[0101] The present invention is suitable for application to the support of the business of enterprises that adopt a business form of receiving and corresponding to entrusted business from business partners, including enterprises engaged in guarantee business in the financial industry.

Explanation of Signs

[0102] 1 Business support device 2 Storage unit 3 Control unit 4 Communication interface unit 5 Input / output interface unit 6 Input device 7 Output device 11 Case data storage unit 12 Judgment data storage unit 13 Product master 14 Judgment result data storage unit 15 Answer status transition destination management master 16 Examination result data storage unit 17 Document reception status data storage unit 18 Bank guarantee product classification master 19 Fund data storage unit 21 Judgment result data creation unit 22 Examination result data import processing unit 23 Judgment Data Creation Unit 24 Judgment Result Data Creation Processing Unit 25 Judgment Result Response Processing Unit 26 Examination Result Data Import Unit 27 Examination Result Data Processing Unit

Claims

1. Receiving partner review result data including the partner, reception identification information, and the review result of reviewing the approval or non-approval of financing at the partner, importing the partner review result data, and generating review result data including the partner review result; a review result data generation unit; Comparing the generated review result data with the reception identification information, case identification information, product identification information, determination result data including the determination result of determining the approval or non-approval of guarantee and the approved amount at the company, and acquiring the determination result data specified by the review result data; a determination result data acquisition unit; A comparison unit that compares the acquired determination result with the partner review result of the review result data; When the comparison result is that both the determination result and the partner review result are approved, referring to document reception status data including the document availability status indicating whether the case identification information and the necessary documents are complete, and acquiring the document availability status corresponding to the case identification information; a document availability status acquisition unit; When the acquired document availability status is incomplete, referring to a product-by-product allocation master for bank guarantees that manages the necessity of documents. When documents are required, updating the case status of the case data specified by the reception identification information to the case status requesting document submission. When documents are not required, updating the case status of the case data specified by the reception identification information to the case status of contract content notice sending; a case status update unit; A business support device, characterized by comprising the above.

2. The case status update unit is characterized in that when the comparison result by the comparison unit is that both the determination result and the partner review result are approved, and the document availability status acquired by the document availability status acquisition unit is available, the case status of the case data specified by the reception identification information is updated to the case status of contract content notice sending. The business support device according to Claim 1.

3. The case status update unit is characterized in that when the comparison result by the comparison unit is that both the determination result and the partner review result are non-approved, the case status of the case data specified by the reception identification information is updated to the case status of non-approval notice sending. The business support device according to Claim 1.

4. The case status update unit in claim 1 is characterized in that when the comparison result by the comparison unit shows that only one of the determination result and the partner review result is approved and they are inconsistent, the case status of the case data specified by the reception identification information is updated to a case status indicating that reprocessing is required.

5. A review result data generation step in which a review result data generation unit receives partner review result data including the partner, reception identification information, and a review result of whether financing is approved or not reviewed by the partner from the partner, imports the partner review result data, and generates review result data including the partner review result; A determination result data acquisition step in which a determination result data acquisition unit collates the generated review result data with determination result data including the reception identification information, case identification information, product identification information, a determination result of whether guarantee is approved or not determined by the company itself, and an approved amount, and acquires the determination result data specified by the review result data; A comparison step in which a comparison unit compares the acquired determination result with the partner review result of the review result data; A document availability status acquisition step in which when the comparison result shows that both the determination result and the partner review result are approved, the document availability status acquisition unit refers to document reception status data including the document availability status indicating whether the case identification information and the necessary documents are complete, and acquires the document availability status corresponding to the case identification information; A case status update step in which when the acquired document availability status is incomplete, the case status update unit refers to a product-by-product allocation master for bank guarantees that manages the necessity of documents. When documents are required, the case status of the case data specified by the reception identification information is updated to a case status requesting submission of documents. When documents are not required, the case status of the case data specified by the reception identification information is updated to a case status of sending a contract content notice; A business support method having the above.

6. A computer, A review result data generation unit that receives partner review result data including the partner, reception identification information, and a review result of whether financing is approved or not reviewed by the partner from the partner, imports the partner review result data, and generates review result data including the partner review result; A determination result data acquisition unit that collates the generated examination result data with the received identification information, case identification information, product identification information, determination result data including a determination result of approval or non-approval of a guarantee and an approved amount by the company itself, and acquires the determination result data specified by the examination result data; A comparison unit that compares the acquired determination result with the partner examination result of the examination result data; When the comparison result is that both the determination result and the partner examination result are approved, referring to document reception status data including a document availability status indicating whether the case identification information and necessary documents are complete, and acquiring the document availability status corresponding to the case identification information; a document availability status acquisition unit; When the acquired document availability status is incomplete, referring to a product-by-product allocation master for bank guarantees that manages the necessity of documents. When documents are required, the case status of the case data specified by the received identification information is updated to a case status that requests the submission of documents. When documents are not required, the case status of the case data specified by the received identification information is updated to a case status for sending a contract content notice; a case status update unit; A business support program that functions as such.

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