Business support device, business support method and business support program

Abstract

To automate a response after in-house decisions to reduce workload, minimize errors, improve speed, and enable business efficiency.SOLUTION: A data extraction unit extracts approved data from case data containing case identification information, commodity identification information, and status information indicating the progress of a case, where the status information indicates that the approval or disapproval of the guarantee for the case has been determined. A data generation unit collates the extracted approved data with the determination data containing the approved determination result corresponding to the case identification information, and generates determination result data by associating the approved data with the determination data based on the case identification information. An answer method extraction unit extracts the answer method by referring to the product master that stores the answer methods corresponding to the product identification information based on the product identification information in the generated determination result data. An answer processing unit creates delivery data corresponding to the extracted answer method and sends it using the answer method.SELECTED DRAWING: Figure 2

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, a business reform support system for financial institutions includes a notice information construction system that centrally aggregates a huge amount of information data under predetermined conditions to extract notice information, and is closely data-linked with systems within the financial institution, such as a review system for handling loans, a collateral evaluation system, a CRM (Customer Relationship Management) system, and accounting information, and also performs tablet reception (simplification of contract processing using electronic signatures, etc.) and approval condition and post-condition management.

[0003] Patent Document 1 (Japanese Patent Application Laid-Open No. 2019-175448) discloses a technique for linking systems and improving business efficiency in paragraphs 0058 to 0066 and the like.

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 the determination of financing is desired.

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

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 includes a data extraction unit that extracts approved data that has been approved, indicating that the status information has been determined to be an approval or non-approval of a guarantee for a case, from case data including case identification information, product identification information, and status information indicating the progress of the case; a data generation unit that collates the extracted approved data with determination data including a determined determination result corresponding to the case identification information, and generates determination result data by associating the approved data and the determination data based on the case identification information; an answer method extraction unit that extracts an answer method by referring to a product master that stores an answer method corresponding to the product identification information, based on the product identification information of the generated determination result data; and an answer processing unit that creates transmission data corresponding to the extracted answer method and causes transmission to be performed using the answer method.

[0008] Also, in order to solve the above problems and achieve the object, a business support method according to the present invention includes a data extraction step in which a data extraction unit extracts approved data that has been approved, indicating that the status information has been determined to be an approval or non-approval of a guarantee for a case, from case data including case identification information, product identification information, and status information indicating the progress of the case; a data generation step in which a data generation unit collates the extracted approved data with determination data including a determined determination result corresponding to the case identification information, and generates determination result data by associating the approved data and the determination data based on the case identification information; an answer method extraction step in which an answer method extraction unit extracts an answer method by referring to a product master that stores an answer method corresponding to the product identification information, based on the product identification information of the generated determination result data; and an answer processing step in which an answer processing unit creates transmission data corresponding to the extracted answer method and causes transmission to be performed using the answer method.

[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 extract approved data indicating that the status information included in the case data including the case identification information, the product identification information, and the status information indicating the progress of the case has been determined as approved or not approved for the guarantee for the case from the case data, collate the extracted approved data with the determination data including the determined determination result corresponding to the case identification information, and generate determination result data by associating the approved data and the determination data based on the case identification information, and extract an answer method by referring to a product master that stores an answer method corresponding to the product identification information based on the product identification information of the generated determination result data, and create transmission data corresponding to the extracted answer method and function as an answer processing unit that causes transmission by the answer method.

Advantages of the Invention

[0010] The present invention can reduce the workload after the determination of financing.

Brief Description of the Drawings

[0011]

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DETAILED DESCRIPTION OF THE INVENTION

[0012] Hereinafter, a business support device 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 device of this embodiment is a business support device operated by a person in charge on the guarantor company side such as for financing. The guarantor company makes a determination regarding financing by itself and answers the determination result to a financial institution (such as a bank). The guarantor company answers according to the answering method specified by the financial institution. Further, depending on the determination result, the contract with the financial institution, etc., the guarantor company may contact the end user (financing applicant) and conduct transactions such as the exchange of documents. The business support device of the embodiment is a device that supports operations regarding the determination of the answering method to the financial institution, the determination of the contact method with the financing applicant, etc. Note that the present invention is not limited to the following embodiments described as an example.

[0013] (Overview) Among the operations of the guarantor company, between the guarantor company and the partner financial institution, the exchange of the determination and review results of the end user (financing applicant) is performed for each of "guarantor company → partner financial institution" and "partner financial institution → guarantor company". At that time, since the answering method differed for each partner financial institution, the person in charge determined the answering method.

[0014] Furthermore, after the guarantor company answers the determination result of its own financing applicant to the partner financial institution, there are various processing patterns according to the determination result, financial products (determined by the contract with the partner financial institution), etc., and the person in charge determined and specified the subsequent processing each time.

[0015] However, in the guarantor company, this determination by the person in charge was complicated and time-consuming, mistakes were likely to occur, and the work burden was large. Therefore, the guarantor company aims to reduce the work burden by automating the cooperation process of the determination result and the review result with the partner financial institution. Also, by patterning and organizing the processing according to the financial products and determination results and automatically performing process transitions to clarify the next action, the work burden can be further reduced.

[0016] (Determination Result Data Creation Process) First, at the time of reception, the person in charge of the guarantee company registers financing information such as the case number, reception number, and partner financial institution, stores it in the case data storage unit, and generates case data. Next, the guarantee company investigates the financing applicant and determines whether to approve or disapprove the financing (including, for example, rejection, withdrawal, etc.), registers the determination result by the person in charge, stores it in the determination data storage unit, and generates determination data. At this time, the storage area of the case status in the case data in the case data storage unit is updated to "approved" indicating that it has been determined.

[0017] The business support device according to the embodiment presupposes that case data and determination data have been created, extracts records with the case status of approved from the case data, obtains the determination result corresponding to the extracted record of the approved data from the determination data, and stores it in the storage area of the item corresponding to the determination result data in the determination result data storage unit to generate determination result data.

[0018] Based on the generated determination result data, the business support device according to the embodiment refers to the product master, extracts the response method, and creates the data for sending corresponding to this response method. The business support device according to the embodiment instructs the transmission control unit of the business support device to send it to the partner financial institution in this response method. At this time, based on the generated determination result data, the business support device according to the embodiment refers to the response status transition destination management master, obtains the transition destination status of the response status transition destination management master, and updates the storage area of the case status in the case data in the case data storage unit to the obtained transition destination status.

[0019] As a result, the response to the partner financial institution and the next process are automatically clarified, the burden on the work of the person in charge of the guarantee company is reduced, and efficiency can be improved.

[0020] (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).

[0021] 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. The storage unit 2 stores a business support program that automatically clarifies the response to the partner financial institution and the next process, reduces the workload of the staff of the surety company, and improves the efficiency of the business.

[0022] In addition, the storage unit 2 is provided with 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 receipt status data storage unit 17, and a fund data storage unit 19, each of which is a storage area. The storage unit 2 also stores various masters such as a product master 13, a response status transition destination management master 15, and a product-by-product allocation master 18 for bank guarantees.

[0023] In addition, case data 11 is stored in the case data storage unit 11, determination data 12 is stored in the determination data storage unit 12, and determination result data 14 is stored in the determination 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 funds data 19 is stored in the funds data storage unit 19.

[0024] (Functional Configuration of Business Support Device) Next, the control unit 3 functions as a determination 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 determination result data creation unit 21 includes the functions of a determination data creation unit 23, a determination result data creation processing unit 24, and a determination 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. Note that the determination 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 determination 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.

[0025] The determination result data creation processing unit 24 includes the functions of a data extraction unit and a data generation unit. Further, the determination result response processing unit 25 includes the functions of a response method extraction unit, a response processing unit, an acquisition unit, and an update unit.

[0026] The determination data creation unit 23 of the determination result data creation unit 21 acquires the results of the credit investigation of the financing applicant conducted by the guarantee company, and acquires 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.

[0027] 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 acquires 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.

[0028] 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 by the acquired response method.

[0029] 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 acquires the transition destination status. The determination result response processing unit 25 updates the case status of the case data to the acquired transition destination status for the data whose case status is "approved".

[0030] 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, reception identification information (for example, reception number, etc.), guarantee identification number, and partner examination results.

[0031] Based on the generated examination result data 16 and determination result data 14, the examination result data import section 26 generates fund data 19 including reception identification information, partner examination result registration date, and partner examination results.

[0032] 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.

[0033] (In the case of approval) When both the partner examination result and the determination result of the comparison result are "approved", 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.

[0034] 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 "contract content guidance email distribution". Note that "email distribution" in "contract content guidance email distribution" indicates the distribution of an email. "Email distribution" described below also indicates the distribution of an email, and "email" indicates an email.

[0035] When the document availability status is "incomplete", the examination result data processing section 27 acquires the product identification information and approved amount corresponding to the case identification information of the determination result data 14. Based on the acquired product identification information and approved amount, the examination result data processing section 27 refers to the product-by-product allocation master 18 for bank guarantees and acquires the necessity of documents.

[0036] When the obtained necessity of documents is "necessary", the examination 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 examination result" to "document upload email distribution".

[0037] When the obtained necessity of documents is "unnecessary", the examination 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 examination result" to "contract content guidance email distribution".

[0038] (In case of non-approval) When the comparison result and the partner examination result are both "non-approval", the examination 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 examination result" to "rejection email distribution".

[0039] (In case of difference) When the comparison result is "rejection" which is included in non-approval for the partner examination result, and the determination result is "approval", the examination 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 examination result" to "re-review".

[0040] When the comparison result is "approval" for the partner examination result, and the determination result is "rejection" which is included in non-approval, the examination 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 examination result" to "individual response".

[0041] (Determination result data creation, response to partner financial institution, and case data update operation) Next, the operation of creating judgment result data, replying to the partner financial institution, and updating case data 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 operation of creating judgment result data, replying to the partner financial institution, and updating case data 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 result reply process in step S6 from the judgment data creation process in step S4 shown in FIG. 2. Further, FIG. 4 shows an example of the process transition after the judgment result data is created.

[0042] (Step S1: Reception process) First, as a premise, the person in charge of the guarantee company receives an application from the partner financial institution, checks the content, and inputs the case number, reception number, product code, partner financial institution, etc. The business support program of the business support device 1 generates the case data 11 shown in S1 of FIG. 2 based on this input, and stores it in the case data storage unit 11 of the storage unit 2.

[0043] (Step S2: Investigation) Next, as a premise, the person in charge of the guarantee company acquires the credit information, existing contracts, score values, etc. of the financing applicant, and comprehensively judges the creditworthiness of the financing applicant. The person in charge of the guarantee company inputs the result of the financing judgment as the guarantee company.

[0044] (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 of the guarantee company, and stores it in the case data storage unit 11 of the storage unit 2. Further, when the input judgment result is "approved", the judgment data creation unit 23 adds a guarantee 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.

[0045] (Step S4: Judgment data creation process) Based on the input of the financing judgment result of the person in charge of the guarantee company, the judgment data creation unit 23 generates the judgment data 12 illustrated in FIG. 7 and stores it in the judgment data storage unit 12 of the storage unit 2.

[0046] (Step S5: Judgment result data creation process) The judgment result data creation processing unit 24 of the judgment result data creation unit 21 extracts the records in which the case status of the case data 11 illustrated in FIG. 6 is "approved", and extracts the records of the judgment data 12 illustrated in FIG. 7 based on the case number. The judgment result data creation processing unit 24 generates the judgment result data 14 illustrated in FIGS. 9 and 10 based on the two extracted records and stores it in the judgment result data storage unit 14 of the storage unit 2.

[0047] Based on the product code of the judgment result data 14, the judgment result data creation processing unit 24 refers to the product master 13 illustrated in FIG. 8 and extracts the partner, response method, hourly transmission target flag (FAX), transmission format, etc.

[0048] Based on the generated judgment result data 14, the judgment result data creation processing unit 24 refers to the response status transition destination management master 15 illustrated in FIG. 14 and obtains the "transition destination status" from the response status transition destination management master 15. Then, as illustrated in FIG. 15, the judgment 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.

[0049] 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" in the record of the case number "500001" of the determination result data 14, and obtains the transition destination status "rejection notice (email)" where the item "product code" matches the item "review status".

[0050] Then, the determination result data creation processing unit 24 updates the case status of the case number "500001" from "approved" to "rejection notice (email)" among the extracted "approved" records of the case data 11, and stores it in the case data storage unit 11 of the storage unit 2.

[0051] (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.

[0052] For example, in the determination result data illustrated in FIGS. 9 and 10, since the product codes corresponding to the 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 the 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.

[0053] The determination result response processing unit 25 creates PDF data for transmission by FAX for case numbers from "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).

[0054] The determination result response processing unit 25 creates response data for when called by the API of another system for case numbers from "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.

[0055] In addition, when the response method of the product master 13 illustrated in FIG. 8 is "data", the determination result response processing unit 25 outputs it as text data and instructs the communication interface unit 4 of the business support device 1 to perform data transmission using a file transfer tool.

[0056] (Examination result data import process and case data update operation) Next, the examination result data import process and case data update operation in the business support device 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 process 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 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 process of step S20 shown in FIG. 3. FIG. 5 shows an example of the process transition after the examination result data is imported.

[0057] (Step S20: Examination result data import) (Common process) The review result data import section 26 of the review result data import processing section 22 imports the review result data (not shown) received from the partner financial institution into the business support apparatus 1, generates review result data 16 exemplified in FIG. 16 including the partner, the reception number, the guarantee number, and the partner review result, and stores it in the review result data storage section 16 of the storage section 2.

[0058] Based on the generated review result data 16 and determination result data 14, the review result data import section 26 generates fund data 19 exemplified in FIG. 22 including reception identification information, the partner review result registration date, and the partner review result, and stores it in the fund data storage section 19 of the storage section 2.

[0059] The review result data processing section 27 of the review result data import processing section 22 collates the determination result data 14 exemplified in FIG. 17 based on the review result data 16 generated by the review result data import section 26, and compares the partner review result corresponding to the same reception number in the review result data 16 with the determination result corresponding to the same reception number in the determination result data 14.

[0060] (In the case of approval) The review result data processing section 27 will specifically explain the case where, as a result of comparing the partner review result in the review result data 16 with the determination result in the determination result data 14, both are "approved".

[0061] (Approval: When the documents are complete) The review result data processing section 27 compares, for example, the partner review result "approved" of the record with the reception number "1111114" in the review result data 16 exemplified in FIG. 16 with the determination result "approved" of the record with the reception number "1111114" in the determination result data 14 exemplified in FIG. 17, and confirms that both are "approved".

[0062] The review result data processing section 27 acquires the case number "500004" corresponding to the reception number "1111114" of the determination result data 14 exemplified in FIG. 17. Based on the case number, the review result data processing section 27 refers to the document reception status data 17 exemplified in FIG. 18 and confirms that the document availability status is "available".

[0063] 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 guidance email distribution", and stores it in the case data storage unit 11 of the storage unit 2 (see FIGS. 19 and 21).

[0064] (Approval: When documents are incomplete) The examination result data processing unit 27 compares, for example, the examination result of "approval" in the record with the reception number "1111121" of the examination result data 16 illustrated in FIG. 16 with the determination result of "approval" in the record with the reception number "1111121" of the determination result data 14 illustrated in FIG. 17, and confirms that both are "approved".

[0065] 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".

[0066] 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 document requirement of the data matching the information acquired from the determination result data 14 is "required".

[0067] 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).

[0068] (Approval: When documents are not required) The examination result data processing unit 27 compares, for example, the partnership examination result "Approved" in the record with the acceptance number "1111117" of the examination result data 16 illustrated in FIG. 16 and the determination result "Approved" in the record with the acceptance number "1111117" of the determination result data 14 illustrated in FIG. 17, and confirms that both are "Approved".

[0069] The examination result data processing unit 27 acquires the case number "500007" corresponding to the acceptance 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".

[0070] 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 "Not Required" of the data that matches the information acquired from the determination result data 14.

[0071] 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 partnership examination result" to "contract content guidance email distribution", and stores it in the case data storage unit 11 of the storage unit 2 (see FIGS. 19 and 21).

[0072] (In the case of non-approval and matching) The examination result data processing unit 27 will specifically explain the case where both the partnership 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 the comparison.

[0073] The examination result data processing unit 27 compares, for example, the partnership examination result "Rejected" in the record with the acceptance number "1111124" of the examination result data 16 illustrated in FIG. 16 and the determination result "Withdrawal" in the record with the acceptance number "1111124" of the determination result data 14 illustrated in FIG. 17, and confirms that both indicate non-approval.

[0074] The examination result data processing unit 27 acquires the case number "500014" corresponding to the reception number "1111124" of the determination result data 14 illustrated in FIG. 17.

[0075] 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).

[0076] (In case of inconsistency) The examination result data processing unit 27 will specifically explain the case where the partner examination result in the examination result data 16 and the determination result in the determination result data 14 are inconsistent as a result of comparison.

[0077] The examination result data processing unit 27 compares, for example, the partner examination result "rejection" of the record with the reception number "1111115" of the examination result data 16 illustrated in FIG. 16 and the determination result "approval" of the record with the reception number "1111115" of the determination result data 14 illustrated in FIG. 17, and confirms that they are inconsistent.

[0078] The examination result data processing unit 27 acquires the case number "500005" corresponding to the reception number "1111115" 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 "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).

[0080] Note that, as shown in the case number "500006" in FIGS. 16 and 17, when the determination result of the guarantee company is rejection but the partner review result of the partner financial institution is approval, the case status is updated from "awaiting partner review result" to "individual response" and stored in the case data storage unit 11 of the storage unit 2 (see FIGS. 19 and 21).

[0081] (Effects of the Embodiment) As is clear from the above description, the business support apparatus 1 of the embodiment can obtain the following effects.

[0082] The guarantee company can promptly respond to requests for changes in the response method from partner financial institutions and additions of partners, products, etc., and prevent opportunity losses in business expansion. Also, regarding the process transition after the response, by automatically determining according to the content of the case and the master settings, it leads to an improvement in the efficiency of the review, and the review time can be shortened and the review accuracy can be improved.

[0083] [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.

[0084] Also, according to this embodiment, since it can contribute to reducing waste loss and promoting paperless and digitalization, it is possible to contribute to Goals 12, 13, and 15 of the SDGs.

[0085] Also, according to this embodiment, since it can contribute to strengthening control and governance, it is possible to contribute to Goal 16 of the SDGs.

[0086] [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.

[0087] For example, among the various processes described in the embodiments, all or part of the processes described as being automatically performed can also be manually performed, or all or part of the processes described as being manually performed can be automatically performed by a known method.

[0088] 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.

[0089] Regarding the business support apparatus 1, each of the illustrated components is a functional concept and does not necessarily need to be physically configured as shown in the drawings.

[0090] For example, regarding the processing functions provided by the business support apparatus 1, particularly each processing function performed by the control unit 3 and the control unit 3, all or any part of them may be realized by a CPU (Central Processing Unit) and a program interpreted and executed by the CPU, or may be realized as hardware by wired logic. The program is recorded on a non-transitory computer-readable recording medium including programmed instructions for causing an information processing apparatus to execute the processes described in this embodiment, and is mechanically read by the business support apparatus 1 as necessary. That is, a computer program for giving commands to the CPU in cooperation with the OS to perform various processes is recorded in a storage unit such as a ROM or HDD. This computer program is executed by being loaded into the RAM and constitutes the control unit 3 in cooperation with the CPU.

[0091] In addition, the business support program of this 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 of it can be downloaded as necessary.

[0092] Also, the business support program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium, or may 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.

[0093] Also, the "program" is a data processing method described in any language or description method, and is not limited to forms such as source code or binary code. Note that the "program" is not necessarily limited to being configured singularly, and also includes those that are distributed as a plurality of modules or libraries, or those that achieve their functions in cooperation with other separate programs typified 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.

[0094] 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.

[0095] Further, the business support device 1 may be configured by an information processing device such as a known personal computer device or 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.) that realizes the processing described in the present embodiment.

[0096] Furthermore, the specific form of the distribution and integration of the devices is not limited to that 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 functional load. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

Industrial Applicability

[0097] The present invention is suitable for application to the support of the business of a company that takes a business form of receiving an order from a partner company and corresponding thereto, including a company that conducts a guarantee business in the financial industry.

Explanation of Signs

[0098] 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 receipt 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 Reply Processing Unit 26 Examination Result Data Import Unit 27 Examination Result Data Processing Unit

Claims

1. A data extraction unit that extracts approved data that indicates that the status information has been determined as approved or not approved for the guarantee for the case from case data including case identification information, product identification information, and status information indicating the progress status of the case; A data generation unit that collates the extracted approved data with determination data including the determined determination result corresponding to the case identification information, and generates determination result data by associating the approved data and the determination data based on the case identification information; An answer method extraction unit that extracts the answer method by referring to a product master that stores an answer method corresponding to the product identification information based on the product identification information of the generated determination result data; An answer processing unit that creates transmission data corresponding to the extracted answer method and causes transmission using the answer method; A business support device characterized by comprising:

2. An acquisition unit that acquires the status information corresponding to the product identification information and the determination result by referring to an answer status transition destination management master including the product identification information, the determination result, and status information indicating the next progress status of the case; An update unit that updates the status information of the case data with the acquired status information; The business support device according to claim 1, further comprising:

3. The data generation unit assigns a guarantee identification information for managing guaranteeable cases when the determination result is approval, and adds it to the determination result data; The business support device according to claim 1, characterized in that:

4. A data extraction step in which a data extraction unit extracts approved data that indicates that the status information has been determined as approved or not approved for the guarantee for the case from case data including case identification information, product identification information, and status information indicating the progress status of the case; A data generation step in which a data generation unit collates the extracted approved data with determination data including the determined determination result corresponding to the case identification information, and generates determination result data by associating the approved data and the determination data based on the case identification information; An answer method extraction step in which an answer method extraction unit extracts the answer method by referring to a product master that stores an answer method corresponding to the product identification information based on the product identification information of the generated determination result data; An answer processing step in which an answer processing unit creates transmission data corresponding to the extracted answer method and causes transmission using the answer method A business support method having the above

5. A computer, A data extraction unit that extracts approved data that has been approved, indicating that the status information included in the case data including the case identification information, product identification information, and status information indicating the progress of the case has been determined to be approved or not approved for the guarantee for the case, A data generation unit that collates the extracted approved data with determination data including the determined determination result corresponding to the case identification information, and generates determination result data by associating the approved data and the determination data based on the case identification information, An answer method extraction unit that refers to a product master that stores an answer method corresponding to the product identification information based on the product identification information of the generated determination result data and extracts the answer method, An answer processing unit that creates transmission data corresponding to the extracted answer method and causes transmission using the answer method, A business support program that functions as the above

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