Deposit credit management device, deposit credit management method, and deposit credit management program

Abstract

To provide a deposit credit management device, a deposit credit management method, and a deposit credit management program that enable accurate deposit credit decisions in the future.SOLUTION: A deposit credit management device of one embodiment includes: a credit limit master that associates and registers clients being credit destinations with their credit limits; and credit check means that calculates, for each client, a used credit amount as of credit confirmation date based on monthly inventory data, receipt and payment data, scheduled shipment data, and scheduled arrival data by used credit amount=calculated inventory amount at the end of the previous month+amount already arrived in the current month-amount already shipped in the current month+scheduled arrival amount-scheduled shipment amount, and then executes credit check processing for comparing the calculated used credit amount with the credit limit in the credit limit master.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a deposit credit management device, a deposit credit management method, and a deposit credit management program. [Background technology]

[0002] For example, when assets are entrusted to a production / processing contractor or a consignment warehouse, there is a risk of loss at the contractor or damage to the entrusted assets due to the contractor's bankruptcy. Conventionally, a system for managing credit for deposits is known, for example, from Patent Document 1. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2020-52684 Summary of the Invention [Problem to be solved by the invention]

[0004] However, conventional credit management for deposits determines whether or not there is a credit overage based on the amount of inventory deposited with the consignee at the time of confirmation, which poses a problem in that it is not possible to make accurate credit decisions for deposits in the future.

[0005] The present invention has been made in view of the above, and aims to provide a deposit credit management device, a deposit credit management method, and a deposit credit management program that are capable of making accurate deposit credit judgments in the future. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the object, the present invention provides a deposit credit management device equipped with a control unit, wherein the control unit stores credit limit master data in which a credit limit is associated with a customer who is a depositee and registered; monthly inventory data including the year and month, customer, product, quantity, and end-of-month inventory amount; receipt and payment data including receipt and payment date, customer, product, receipt and payment classification, receipt and payment quantity, and receipt and payment inventory amount; shipping schedule data including the scheduled shipping date, customer, product, quantity, scheduled shipping amount, shipping date, and shipping completion classification; and scheduled arrival date, customer, product, quantity, scheduled arrival amount, arrival date. , and arrival schedule data including arrival completion classification, and is characterized by comprising a credit check means for calculating, for each business partner, the used credit amount as of the credit confirmation implementation date based on the monthly inventory data, the receipt and payment data, the scheduled shipment data, and the scheduled arrival data as follows: Used credit amount = calculated inventory amount at the end of the previous month + arrival amount incurred in the current month - shipment amount incurred in the current month + expected arrival amount - expected shipment amount, and executing a credit check process that compares the calculated used credit amount with the credit limit in the credit limit master.

[0007] Furthermore, according to one aspect of the present invention, the credit check process may calculate the inventory amount as of the processing date based on the monthly inventory data and the receipt and payment data, calculate the estimated inbound and outbound shipment amounts from the processing date to the credit confirmation implementation date based on the scheduled shipping data and the scheduled arrival data, and calculate the credit consumption rate for each business partner by dividing the credit limit in the credit limit master by (the calculated inventory amount as of the processing date + the calculated estimated inbound and outbound shipment amounts).

[0008] In addition, according to one aspect of the present invention, the control unit is further configured to be able to access a credit alert master in which the business partner, alert level, and credit consumption rate are registered in association with each other, and the credit check process may further refer to the credit alert master using the business partner and credit consumption rate as keys to obtain the alert level for each business partner, and extract and output business partners that are at or above the specified alert level.

[0009] According to another aspect of the present invention, the credit check process may be executed at the time of input process in which the goods are transferred or consigned to a business partner.

[0010] In addition, in order to solve the above-mentioned problems and achieve the object, the present invention is configured so that the control unit can access a credit alert master in which business partners, alert levels, and credit consumption rates are registered in association with each other, and the input processing includes an order input processing. In the credit check processing, when the order date, expected arrival date, business partner, product, quantity, and expected arrival amount are specified on the order input screen, the inventory amount as of the processing date for the specified business partner is calculated based on monthly inventory data and receipt and payment data, and the expected arrival and receipt amounts from the processing date to the specified expected arrival date, which is the credit confirmation implementation date, are calculated based on the scheduled shipping data and scheduled arrival data. The credit consumption rate is calculated from (the calculated inventory amount as of the processing date + the calculated expected arrival and receipt amounts + the specified expected arrival amount) / the credit limit in the credit limit master. The credit alert master is referenced using the business partner and credit consumption rate as keys to obtain an alert level, and a warning or error is displayed according to the obtained alert level.

[0011] In order to solve the above-mentioned problems and achieve the object, the present invention provides a method for managing credit for deposits executed by an information processing device having a control unit, wherein the control unit is configured to be able to access a credit limit master in which a credit limit is registered in association with a business partner who is the depositee; monthly inventory data including the year and month, business partner, product, quantity, and end-of-month inventory amount; receipt and payment data including the receipt and payment date, business partner, product, receipt and payment classification, receipt and payment quantity, and receipt and payment inventory amount; scheduled shipping data including the scheduled shipping date, business partner, product, quantity, scheduled shipping amount, shipping date, and shipping completion classification; and scheduled arrival data including the scheduled arrival date, business partner, product, quantity, scheduled arrival amount, arrival date, and arrival completion classification; The control unit executes a credit check process for calculating, for each business partner, the used credit amount as of the credit confirmation date based on the monthly inventory data, the receipt and payment data, the scheduled shipping data, and the scheduled arrival data, as follows: Used credit amount = calculated inventory amount at the end of the previous month + arrived amount incurred in the current month - shipped amount incurred in the current month + expected arrival amount - expected shipment amount, and executing a credit check process for comparing the calculated used credit amount with the credit limit in the credit limit master.

[0012] In order to solve the above-mentioned problems and achieve the object, the present invention provides a deposit credit management program to be executed by an information processing device having a control unit, the control unit storing credit limit master data in which a credit limit is associated with a business partner who is a depositee and registered; monthly inventory data including year / month, business partner, product, quantity, and end-of-month inventory amount; receipt / payment data including receipt / payment date, business partner, product, receipt / payment classification, receipt / payment quantity, and receipt / payment inventory amount; scheduled shipping data including scheduled shipping date, business partner, product, quantity, scheduled shipping amount, shipping date, and shipping completion classification; scheduled arrival date, business partner, product, quantity, scheduled arrival amount, arrival date, and arrival completion classification; and arrival schedule data including a completion classification, and the control unit executes a credit check process that calculates, for each business partner, the used credit amount as of the credit confirmation date based on the monthly inventory data, the receipt and payment data, the scheduled shipment data, and the scheduled arrival data as follows: Used credit amount = calculated inventory amount at the end of the previous month + arrival amount incurred in the current month - shipment amount incurred in the current month + expected arrival amount - expected shipment amount, and compares the calculated used credit amount with the credit limit in the credit limit master. [Effects of the Invention]

[0013] The present invention has the effect of enabling accurate credit decisions on deposits in the future. [Brief explanation of the drawings]

[0014] [Figure 1] FIG. 1 is a block diagram showing an example of the configuration of a deposit credit management device according to this embodiment. [Figure 2] FIG. 2 is a diagram illustrating an example of the configuration of the credit limit master. [Figure 3] FIG. 3 is a diagram illustrating an example of the configuration of the credit alert master. [Figure 4] FIG. 4 is a diagram showing an example of the configuration of monthly inventory data. [Figure 5] FIG. 5 is a diagram showing an example of the structure of receipt and payment data. [Figure 6] FIG. 6 is a diagram illustrating an example of the configuration of shipping schedule data. [Figure 7] FIG. 7 is a diagram showing an example of the configuration of arrival schedule data. [Figure 8] FIG. 8 is a diagram for explaining a specific example of the processing of the control unit of the deposit credit management device in this embodiment. [Figure 9] FIG. 9 is a diagram for explaining a specific example of the processing of the control unit of the deposit credit management device in this embodiment. [Figure 10] FIG. 10 is a diagram for explaining a specific example of the processing of the control unit of the deposit credit management device in this embodiment. [Figure 11] FIG. 11 is a diagram for explaining a specific example of the processing of the control unit of the deposit credit management device in this embodiment. [Figure 12] FIG. 12 is a diagram for explaining a specific example of the processing of the control unit of the deposit credit management device in this embodiment. [Figure 13] FIG. 13 is a diagram for explaining a specific example of the processing of the control unit of the deposit credit management device in this embodiment. [Figure 14] FIG. 14 is a diagram for explaining a specific example of the processing of the control unit of the deposit credit management device in this embodiment. [Figure 15] FIG. 15 is a diagram for explaining a specific example of the processing of the control unit of the deposit credit management device in this embodiment. [Figure 16] FIG. 16 is a diagram for explaining a specific example of the processing of the control unit of the deposit credit management device in this embodiment. [Figure 17]FIG. 17 is a diagram for explaining a specific example of the processing of the control unit of the deposit credit management device in this embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0015] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited to the embodiment.

[0016] [1. Overview] The outline of the present invention will be explained in the following order: "1-1. Deposit credit management," "1-2. Problems," "1-3. Solution," and "1-4. Effects."

[0017] [1-1. Deposit credit management] When entrusting assets to a production or processing contractor or a warehouse, there is a risk of loss at the contractor or damage to the assets if the contractor goes bankrupt. To prevent these risks, it is necessary to set limits on the amount and value of assets to be entrusted, depending on the contractor's management style and creditworthiness.

[0018] [1-2. Issues] Conventional consignment credit management determines whether there is a credit surplus based on the inventory value deposited with the outsourcer at the time of confirmation. Because credit decisions are made based only on the inventory value at the time of confirmation, when trying to confirm the consignment credit status at a certain point in the future, there are issues with the accuracy of consignment credit decisions, because (1) the credit decision is made based on the inventory value that includes the amount of inventory scheduled for shipment up to a certain point in the future, and (2) the credit decision is made based on the inventory value that does not include the amount of inventory scheduled for arrival up to a certain point in the future.

[0019] More specifically, the drawback of making credit decisions based on the inventory value including future shipments as mentioned in (1) above is that the value of inventory to be shipped up to a certain point in the future is included, so credit decisions are made based on an amount higher than the expected inventory value, which results in situations where inventory that should have been deposited cannot be deposited (opportunity loss).

[0020] The drawback of making credit decisions based on inventory values ​​that do not include future shipments, as described in (2) above, is that credit decisions are made based on values ​​that are lower than the expected inventory value, since the value of inventory that will arrive up to a certain point in the future is not included. This means that inventory that should not be deposited can be deposited (increasing the risk of asset damage).

[0021] Furthermore, for companies that outsource production and processing overseas, it is common for shipments to be scheduled for several months in advance, so there is a greater need for accuracy in future credit decisions.

[0022] [1-3. Solution] In this invention, the current inventory amount is added to and subtracted from the arrival and shipping schedules that have already occurred, making it possible to accurately determine the future deposit credit status. Specifically, the inventory amount at the end of the previous month + the arrival amount already occurred in the current month - the shipping amount already occurred in the current month + the arrival amount - the shipping amount is calculated, and this is compared with the deposit credit setting amount.

[0023] [1-4.Effects] This will enable accurate credit decisions to be made in the future, reducing opportunity losses and the risk of asset damage.

[0024] The deposit credit management device of the present invention can be widely applied to industries including, for example, textile trading companies and apparel SPA retailers.

[0025] [2. Configuration] FIG. 1 is a block diagram showing an example of the configuration of a deposit credit management device 100 according to this embodiment. In the following description, the "processing date" refers to the current date when a credit check is performed. The "credit check implementation date" refers to a future date (the credit status as of the date specified as the credit check implementation date is confirmed). The deposit credit management device 100 is, for example, a commercially available desktop personal computer. Note that the deposit credit management device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may also be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer. In FIG. 1, the deposit credit management device 100 includes a control unit 102, a communication interface unit 104, a memory unit 106, and an input / output interface unit 108. The components of the deposit credit management device 100 are communicably connected via any communication path.

[0026] The communication interface unit 104 communicably connects the deposit credit management device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via the communication line. Here, the network 300 has a function of connecting the deposit credit management device 100 and the server 200 communicably with each other, and is, for example, the Internet or a LAN (Local Area Network).

[0027] An input device 112 and an output device 114 are connected to the input / output interface unit 108. The output device 114 may be a monitor (including a home television), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that functions as a pointing device in cooperation with a mouse. Note that hereinafter, the output device 114 may be referred to as the monitor 114.

[0028] Various databases, tables, files, etc. are stored in the storage unit 106. Computer programs that work in conjunction with an OS (Operating System) to issue commands to a CPU (Central Processing Unit) to perform various processes are recorded in the storage unit 106. The storage unit 106 can be, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, etc.

[0029] The storage unit 106 stores various data such as a credit limit master 106a, a credit alert master 106b, monthly inventory data, receipt and payment data, scheduled shipping data, and scheduled arrival data. Fig. 2 is a diagram showing an example of the configuration of the credit limit master 106a. Fig. 3 is a diagram showing an example of the configuration of the credit alert master 106b. Fig. 4 is a diagram showing an example of the configuration of monthly inventory data. Fig. 5 is a diagram showing an example of the configuration of receipt and payment data. Fig. 6 is a diagram showing an example of the configuration of scheduled shipping data. Fig. 7 is a diagram showing an example of the configuration of scheduled arrival data.

[0030] The credit limit master 106a is a master for setting credit limits for each business partner, production / processing contractor, and consignment warehouse, and can be configured as a table in which credit types, business partners (business partner codes and / or business partner names), and credit limits are registered in association with each other, as shown in Figure 2. In the example shown in the figure, the first line contains the credit type "deposit credit," business partner code "SE01," business partner name "production contractor A," and credit limit "1,200,000 yen."

[0031] The credit alert master 106b is a master for setting the percentage of credit that must be consumed before a warning is displayed for each business partner, production / processing contractor, and consignment warehouse. As shown in Figure 3, it can be configured as a table that associates and registers business partners (business partner codes and / or business partner names), alert levels, and credit consumption rates. The "alert levels" are 4: Error display when additional deposit is made, 3: Warning display when additional deposit is made, 2: Message display when additional deposit is made, and 1: Message display when additional deposit is made. The credit consumption rate is calculated as follows: Credit consumption rate = (used credit amount ÷ credit limit) × 100 (%). In the example shown in the figure, the second line contains the business partner code "SE01," the alert level "3," and the credit consumption rate "81% to 99%."

[0032] Monthly inventory data is data that holds inventory information by product and by contractor per month, created during monthly consolidation processing, and may include the year and month, business partner (business partner code and / or business partner name), product (product code and / or product name), quantity, and end-of-month inventory amount, as shown in Figure 4. In the example shown in the figure, the first line contains the year and month "2023 / 11," business partner code "SE01," business partner name "manufacturing contractor A," product code "SHT01," product name "T-shirt A," quantity "1,000," and end-of-month inventory amount "600,000 yen."

[0033] The receipt and payment data is data that holds inventory fluctuation information by day, by consignee, and by product, and may include the receipt and payment date, business partner code, product code, receipt and payment category (receive or withdraw), receipt and payment quantity, and receipt and payment inventory amount, as shown in Figure 5. In the example shown in the figure, the first line contains the receipt and payment date "2023 / 12 / 1", business partner code "SE01", product code "SHW01", receipt and payment category "receive", receipt and payment quantity "10", and receipt and payment inventory amount "300,000 yen".

[0034] The shipping schedule data is data that holds information about when and how many items will be shipped by each contractor, and may include the scheduled shipping date, business partner code, product code, quantity, scheduled shipping amount, shipping date, and shipping completion classification (1: shipped complete, 0: shipped incomplete), as shown in Figure 6. In the example shown in the figure, the first line contains the scheduled shipping date "2023 / 12 / 3", business partner code "SE01", product code "SHT01", quantity "200", scheduled shipping amount "120,000 yen", shipping date "2023 / 12 / 3", and shipping completion classification "1: shipped complete".

[0035] The expected arrival data is data that holds information on when and how much items will arrive for each contractor, and as shown in Figure 7, may include the expected arrival date, business partner code, product code, quantity, expected arrival amount, arrival date, and arrival completion classification (1: arrival completed, 0: arrival not completed). In the example shown in the figure, the first line contains the expected arrival date "2023 / 12 / 1", customer code "SE01", product code "SHW01", quantity "10", expected arrival amount "300,000 yen", arrival date "2023 / 12 / 1", and arrival completion classification "1: Arrival completed".

[0036] Returning to Fig. 1, the control unit 102 is a CPU or the like that performs overall control of the deposit credit management device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processing based on these stored programs.

[0037] The control unit 102 is configured to be able to access the credit limit master 106a, credit alert master 106b, monthly inventory data, receipt and payment data, scheduled shipping data, scheduled arrival data, etc. stored in the memory unit 106. Note that the credit limit master 106a, credit alert master 106b, monthly inventory data, receipt and payment data, scheduled shipping data, scheduled arrival data, etc. may be stored in another location (for example, the server 200) as long as the control unit 102 is able to access them.

[0038] The control unit 102 conceptually includes a data registration unit 102a, an input processing unit 102b, a credit check processing unit 102c, a screen display control unit 102d, and a master maintenance unit 102e.

[0039] The data registration unit 102a registers and updates various data stored in the storage unit 106, such as monthly inventory data, receipt and payment data, shipping schedule data, and arrival schedule data.

[0040] The input processing unit 102b, for example, in response to an operator's operation on various input screens (e.g., order input processing screen, movement input processing screen, processing input processing screen, etc.) displayed on the monitor 114, Various input data (for example, order input data, movement input data, processing input data, etc.) are input and stored in the storage unit 106.

[0041] The credit check processing unit 102c calculates the used credit amount as of the credit confirmation date for each business partner based on the monthly inventory data, receipt and payment data, scheduled shipping data, and scheduled arrival data stored in the memory unit 106, as follows: Used credit amount = calculated inventory amount at the end of the previous month + arrived amount incurred in the current month - shipped amount incurred in the current month + expected arrival amount - expected shipment amount, and executes credit check processing to compare the calculated used credit amount with the credit limit in the credit limit master 106a.

[0042] In addition, in the credit check process, the inventory amount as of the processing date is calculated based on monthly inventory data and receipt and payment data, and the estimated inbound and outbound shipping amount from the processing date to the credit confirmation implementation date is calculated based on the scheduled shipping data and scheduled arrival data, and the credit consumption rate may be calculated for each business partner by dividing the credit limit in the credit limit master 106a by (calculated inventory amount as of the processing date + calculated scheduled inbound and outbound shipping amount = used credit amount).

[0043] In addition, the credit check process may further refer to the credit alert master 106b using the business partner and credit consumption rate as keys to obtain the alert level for each business partner, and extract and output business partners that are at or above the specified alert level.

[0044] The credit check process may also be executed during input processing (such as order input processing, transfer input processing, or processing input processing) that involves the transfer or consignment of merchandise to a business partner.

[0045] In addition, the input processing includes order input processing, and in the credit check processing, when the order date, expected arrival date, business partner, product, quantity, and expected arrival amount are specified on the order input screen, the inventory amount as of the processing date for the specified business partner is calculated based on the monthly inventory data and receipt and payment data, and the expected inbound and outbound amounts for the specified business partner from the processing date to the specified expected arrival date, which is the credit confirmation implementation date, are calculated based on the scheduled shipping data and scheduled arrival data, the credit consumption rate is calculated from (calculated inventory amount as of the processing date + calculated expected inbound and outbound amounts + specified expected arrival amount = used credit amount) ÷ the credit limit in the credit limit master, the credit alert master is referenced using the business partner and credit consumption rate as keys, the alert level is obtained, and a warning or error is displayed according to the obtained alert level.

[0046] The screen display control unit 102d controls, for example, the display of various screens (for example, a credit check processing screen, various input screens (such as an order input screen), a master maintenance screen, etc.) displayed on the monitor 114 and the reception of inputs.

[0047] The master maintenance unit 102e performs settings such as inputting, adding, changing, and updating data in the credit limit master 106a and the credit alert master 106b, for example, in response to operator operations on a master maintenance screen (not shown) displayed on the monitor 114.

[0048] [3. Specific Examples] 1 to 17, a specific example of the processing of the control unit 102 of the deposit credit management device 100 in this embodiment will be described. Figures 8 to 17 are diagrams for explaining a specific example of the processing of the control unit 102 of the deposit credit management device 100 in this embodiment.

[0049] The credit check processing unit 102c executes the following credit check processes (1) and (2). Hereinafter, the "processing date" is defined as the current date when the credit check is performed. The "credit check execution date" is defined as a future date (the credit status as of the date specified as the credit check execution date is checked).

[0050] In the credit check process, the inventory amount as of the processing date (inventory amount at the end of the previous month + arrival amount incurred in the current month - shipment amount incurred in the current month) + the estimated arrival and shipment amount from the processing date to the credit confirmation date (estimated arrival amount - estimated shipment amount) is calculated and compared with the credit limit set in the credit limit master 106a. At this time, the alert level set in the credit alert master 106b can be referenced so that countermeasures can be taken according to the alert level.

[0051] [3-1. Credit Check Processing (1)] The credit check process (1) will be explained with reference to Figures 8 to 13. In the credit check process (1), first, the used credit amount as of the "credit check implementation date" is calculated based on monthly inventory data, receipt and payment data, scheduled shipping data, and scheduled arrival data. Next, the credit consumption rate is calculated by dividing the used credit amount as of the calculated "credit check implementation date" by the credit limit set in the credit limit master 106a. The calculated credit consumption rate is used as a key to refer to the credit alert master 106b, and the alert level for each business partner is checked and extracted.

[0052] FIG. 8 is a diagram showing an example of the display of the credit check processing screen 400. The credit check processing screen 400 has input fields for the processing date, credit check implementation date, and extraction target alert level, as well as an execute button (not shown). The "processing date" is automatically set to the current date. The "credit check implementation date" is a required field. The "extraction target alert level" is an optional field; if an extraction target alert level is set, only data for business partners with an alert level equal to or higher than the set alert level is extracted; if an extraction target alert level is not set, data for all business partners is extracted.

[0053] In the example shown in the figure, the processing date is "2023 / 12 / 20," the credit check implementation date is "2024 / 1 / 10," and the extraction target alert level is "3 or higher." When an execute button (not shown) is pressed, the credit check processing unit 102c extracts data under the specified conditions.

[0054] <Data extraction image> Data is extracted in the following order (1) to (5): The intermediate data from steps (1) to (5) may be displayed on the screen. Step (1): Calculate the inventory amount as of the processing date on the screen based on the monthly inventory data and receipt and payment data. Step (2): Based on the shipping schedule data and the arrival schedule data, the estimated shipping and receiving amounts from the processing date on the screen to the credit confirmation date on the screen are calculated. Step (3): Calculate the credit consumption rate for each customer based on (amount of step (1) + amount of step (2)) / credit limit set in the credit limit master 106a. Step (4): The credit alert master 106b is referenced using the credit consumption rate as a key, and the alert level for each customer is obtained. Step (5): Extract the output data according to the target alert level on the screen.

[0055] <Specific data extraction> An example of data extraction when processing date = "2023 / 12 / 20", credit confirmation implementation date = "2024 / 1 / 10", and extraction target alert level = "3" is explained.

[0056] (Step (1): Calculate the inventory amount as of the processing date on the screen based on the monthly inventory data and receipt and payment data.) 1. Calculate the inventory amount for each business partner as of the processing date from monthly inventory data + receipt and payment data.

[0057] Figure 9(A) shows an example of monthly inventory data, Figure 9(B) shows an example of receipt and payment data, and Figure 9(C) shows the inventory amount calculation results for each business partner as of December 20, 2023. As shown in Figure 9(C), for example, for business partner code "SE01" and business partner name "Production Contractor A," the "Current Inventory Amount" is 600,000 yen + 250,000 yen + 300,000 yen - 120,000 yen = 1,030,000 yen.

[0058] (Step (2): Based on the shipping schedule data and receiving schedule data, calculate the estimated shipping and receiving amounts from the processing date on the screen to the credit confirmation date on the screen.) 1. Extract data based on the shipping schedule data under the following conditions. Shipment is not yet complete (shipment completion category = 0) and the scheduled shipping date is less than or equal to the credit confirmation date on the screen 2. Extract data from the expected arrival data using the following conditions. Arrival not yet completed (arrival completion category = 0) and expected arrival date ≦ credit confirmation date on the screen 3. For each business partner, calculate the estimated amount of goods received and shipped = estimated amount of goods received in the estimated arrival data - estimated amount of goods shipped in the estimated shipment data.

[0059] Figure 10(A) shows an example of scheduled shipping data, Figure 10(B) shows an example of scheduled arrival data, and Figure 10(C) shows an example of the calculated estimated shipping and receiving amounts for each trading partner from December 20, 2023 to January 10, 2024.

[0060] In this example, as shown in Figure 10(C), for the supplier code "SE01" and supplier name "manufacturing contractor A," the "estimated shipment and receipt amount" is 120,000 yen - 250,000 yen = -130,000 yen.

[0061] (Step (3): (Step (1) + Step (2)) ÷ Calculate the credit consumption rate for each customer based on the credit limit set in the credit limit master 106a) 1. Calculate the amount of step (1) + step (2).

[0062] Figure 11(A) shows an example of the inventory amount calculation results for each business partner as of December 20, 2023, Figure 11(B) shows an example of the planned inbound and outbound shipping amount calculation results for each business partner from December 20, 2023 to January 10, 2024, and Figure 11(C) shows an example of step (1) + step (2) (= used credit amount as of January 10, 2024).

[0063] As shown in Figure 11(C), for example, for the customer code "SE01" and customer name "Production Contractor A," the "used credit amount (current inventory amount)" is 1,030,000 yen - 130,000 yen = 900,000 yen.

[0064] 2. The credit limit master 106a is referenced to calculate the credit consumption rate for each customer. The credit consumption rate is calculated by dividing the used credit amount (the amount of step (1) + step (2)) by the credit limit set in the credit limit master 106a. Figure 11(D) shows an example of data for step (1) + step (2) (= the used credit amount as of January 10, 2024), Figure 11(E) shows an example of data for the credit limit master 106a, and Figure 11(F) shows an example of the credit consumption rate as of January 10, 2024.

[0065] As shown in FIG. 11(F), for example, for the customer code "SE01" and customer name "Production Contractor A," the credit limit amount "1,200,000 yen" is obtained from the credit limit master 106a using the customer code "SE01" as a key, and the used credit amount "900.00" ÷ credit limit amount "1,200,000 yen" = credit consumption rate "75%."

[0066] (Step (4): Refer to the credit alert master 106b using the credit consumption rate as a key and obtain the alert level for each customer.) 1. Obtain the alert level from the credit consumption rate as of the credit check date on the screen. Figure 12(A) shows example data of credit consumption rate as of January 10, 2024, Figure 12(B) shows example data of credit alert master 106b, and Figure 12(C) shows example data of credit consumption rate and alert level as of January 10, 2024.

[0067] For example, for the customer code "SE01", the credit alert master 106b is referenced using the customer code "SE01" and the credit consumption rate "75.0%" as keys to obtain the alert level "2".

[0068] (Step (5): Extract and output data according to the target alert level on the screen) 1. Extract data whose alert level on the screen as of the credit confirmation implementation date is greater than or equal to the alert level to be extracted on the screen, and output (display output, print output, etc.). Figure 13(A) shows an example of data on credit consumption rate and alert level as of January 10, 2024. Figure 13(B) shows an example of extracted data that corresponds to the screen's target alert level (=3). In this example, as shown in Figure 13(B), the customer code "KA01" and customer name "Processing contractor A" are at alert level "3," so they are extracted and output.

[0069] It will be possible to take the following countermeasures early on for the identified business partners. (1) Since the time when additional orders can be placed will be delayed, we will inform sales that even if an order is placed, the delivery date will be delayed. (2) Switch to outsourcing to another business partner.

[0070] [3-2. Credit Check Processing (2)] The credit check process (2) will be explained with reference to Figures 14 to 17. The credit check process (2) is an application of the credit check process (1), with a credit check function added to various input processes. The various input processes are targeted at processes that involve the transfer or consignment of goods to business partners (e.g., order input process, transfer input process, processing input process, etc.).

[0071] In credit check process (1), the used credit amount as of the "credit check implementation date" was calculated based on monthly inventory data, receipt and payment data, scheduled shipping data, and scheduled arrival data. In contrast, credit check process (2) calculates the credit consumption rate as of the credit check implementation date by taking into account the monthly inventory data, receipt and payment data, scheduled shipping data, scheduled arrival data, and also the scheduled arrival amount before registration, and then references the alert level and outputs a warning or error, if necessary, before registering the input data. Below, we will explain the case of order input as an example of input processing.

[0072] 14 is a diagram showing an example of an order input screen 500. The order input screen 500 includes input fields for the processing date, order date, expected arrival date, supplier code, product code, quantity, expected arrival unit price, a credit check button (not shown), and a registration button (not shown).

[0073] In the example shown in the figure, the following are specified: processing date "2023 / 12 / 20", order date "2023 / 12 / 20", expected arrival date "2024 / 1 / 10", supplier code "SE01", product code "SHW03", quantity "4", expected arrival unit price "60,000", and expected arrival amount "240,000". When the credit check button (not shown) is pressed, a credit check process (2) is performed before the order data is registered, and if there is a warning or error, a warning or error is displayed.

[0074] <Data extraction image> Warnings, errors, etc. will be displayed in the order of steps (1) to (5) below. Step (1): Calculate the inventory amount as of the processing date on the screen based on monthly inventory data and receipt / payment data (only data that corresponds to the customer code on the screen). Step (2): Based on the scheduled shipping data and scheduled arrival data, calculate the scheduled shipping and arrival amounts from the processing date on the screen to the credit confirmation date (scheduled arrival date on the screen) (only data that corresponds to the customer code on the screen). Step (3): Calculate the credit consumption rate of the customer code on the screen from (step (1) + step (2) amount + estimated arrival amount before registration (estimated arrival amount on the screen)) / credit limit amount set in the credit limit master 106a. Step (4): The credit alert master 106b is referenced using the credit consumption rate as a key, and the alert level of the customer code on the screen is obtained. Step (5): Depending on the alert level, warnings, errors, etc. are displayed on the screen.

[0075] <Specific data extraction examples> Below is an example of data extraction when attempting to register with the following settings: Processing date = "2023 / 12 / 20", Credit confirmation implementation date = Expected arrival date on screen = "2024 / 1 / 10", Supplier code = Screen.Supplier code = "SE01". (Step (1): This is the same as the credit check process (1), so the explanation is omitted.) (Step (2): This is the same as the credit check process (1), so the explanation is omitted.)

[0076] (Step (3): Calculate the credit consumption rate for each customer based on (step (1) + step (2) amount + estimated arrival amount before registration (estimated arrival amount on the screen)) / credit limit amount set in the credit limit master 106a.) 1. Calculate the amount of step (1) + step (2) + the expected amount of arrival before registration (= the amount of credit used as of January 10, 2024). Figure 15(A) shows an example of data for step (1) + step (2) (= used credit amount as of January 10, 2024). The customer code = "SE01" has a current inventory amount of "900,000 yen" (see credit check process (1) step (3)-1).

[0077] FIG. 15(B) shows an example of data for the estimated arrival amount before registration (the estimated arrival amount on the screen), where the customer code = "SE01" has an estimated arrival amount before registration of "240,000 yen."

[0078] FIG. 15(C) shows an example of data for step (1) + step (2) + estimated arrival amount before registration, where the customer code = "SE01" is "1,140,000 yen."

[0079] 2. Refer to the credit limit master and calculate the credit consumption rate for each customer. Figure 15(D) shows example data for step (1) + step (2) + estimated arrival amount before registration. Figure 15(E) shows example data from the credit limit master 106a. Figure 15(F) shows example data for the credit consumption rate when the estimated arrival amount before registration as of January 10, 2024 is taken into account. As shown in Figure 15(F), for customer code = "SE01", the credit consumption rate is 1,140,000 yen ÷ 1,200,000 yen = "95.0%".

[0080] (Step (4): Refer to the credit alert master 106b using the credit consumption rate as a key, and obtain the alert level for the customer code on the screen.) 1. Obtain the alert level from the credit consumption rate as of the credit check date on the screen. Figure 16(A) shows example data on the credit consumption rate when the pre-registration estimated arrival amount as of January 10, 2024 is taken into account, Figure 16(B) shows example data from the credit alert master 106b, and Figure 16(C) shows example data on the credit consumption rate and alert level when the pre-registration estimated arrival amount as of January 10, 2024 is taken into account. For example, for customer code "SE01," the credit alert master 106b is referenced using the customer code "SE01" and credit consumption rate "95.0%" as keys to obtain an alert level of "3."

[0081] (Step (5): Display warnings, errors, etc. on the screen depending on the alert level) 1. Depending on the alert level extracted in step (4), a warning or error is displayed on the screen before registration. Figure 17 shows an example of data on the credit consumption rate and alert level when the estimated amount of goods arriving before registration as of January 10, 2024 is taken into account.

[0082] In this example, the customer code "SE01" has an alert level of "3: Display warning when additional deposit is made," so a warning message is displayed at the time of registration.

[0083] As explained above, according to this embodiment, the system is provided with a credit limit master 106a in which the credit limits of the depositees are registered in association with the business partners to which the deposits are made, and a credit check processing unit 102c which executes a credit check process to calculate the used credit amount as of the credit confirmation date for each business partner based on monthly inventory data, receipt and payment data, scheduled shipment data, and scheduled arrival data as follows: Used credit amount = calculated inventory amount at the end of the previous month + arrived amount incurred in the current month - shipped amount incurred in the current month + expected arrival amount - expected shipment amount, and compares the calculated used credit amount with the credit limit in the credit limit master 106a, thereby making it possible to make accurate deposit credit decisions in the future.

[0084] [4. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of SDGs Goals 8 and 9.

[0085] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs Goals 12, 13, and 15.

[0086] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0087] 5. Other Embodiments The present invention may be implemented in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0088] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using known methods.

[0089] Furthermore, 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 drawings can be changed as desired unless otherwise specified.

[0090] Furthermore, with regard to the deposit credit management device 100, the components shown in the figures are functional concepts, and do not necessarily have to be physically configured as shown in the figures.

[0091] For example, all or any part of the processing functions of the deposit credit management device 100, particularly the processing functions performed by the control unit, may be realized by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the deposit credit management device 100 as needed. That is, a computer program for providing instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM, and cooperates with the CPU to form the control unit.

[0092] In addition, this computer program may be stored in an application program server connected to the deposit credit management device 100 via any network, and it is also possible to download all or part of it as needed.

[0093] Furthermore, the program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium or configured as a program product. Here, the term "recording medium" includes any "portable physical medium" such as a memory card, a Universal Serial Bus (USB) memory, a Secure Digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) disc.

[0094] Furthermore, a "program" is a data processing method written in any language or description method, regardless of the format, such as source code or binary code. Note that a "program" is not necessarily limited to a single structure, but also includes a structure that is distributed as multiple modules or libraries, or a structure that achieves its function by cooperating with a separate program, such as an OS. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in the embodiments, as well as the installation procedure after reading, can use well-known configurations and procedures.

[0095] The various databases stored in the memory unit are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and providing websites.

[0096] The deposit credit management device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The deposit credit management device 100 may also be realized by installing software (including programs or data, etc.) that causes the device to perform the processing described in this embodiment.

[0097] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be configured by functionally or physically distributing and integrating them in any unit depending on various additions or functional loads. In other words, the above-described embodiments can be implemented in any combination, or embodiments can be implemented selectively. [Explanation of symbols]

[0098] 100 Deposit credit management device 102 Control section 102a Data Registration Section 102b Input processing section 102c Credit check processing unit 102d Screen display control unit 102e Master Maintenance Department 104 Communication interface unit 106 Storage section 106a Credit limit master 106b Credit Alert Master 108 Input / Output Interface Section 112 Input Device 114 Output Device 300 Network

Claims

1. A deposit credit management device having a control unit, The control unit a credit limit master in which the depositee's business partner and the credit limit are associated and registered; Monthly inventory data including year / month, customer, product, quantity, and end-of-month inventory amount, Receipt and payment data including receipt and payment date, business partner, product, receipt and payment classification, receipt and payment quantity, and receipt and payment inventory amount; Shipping schedule data including the scheduled shipping date, business partner, product, quantity, scheduled shipping amount, shipping date, and shipping completion classification; Arrival schedule data including expected arrival date, business partner, product, quantity, expected arrival amount, arrival date, and arrival completion classification; It is configured to be accessible to A deposit credit management device characterized by comprising a credit check means for executing a credit check process that calculates, for each business partner, the used credit amount as of the credit confirmation date based on the monthly inventory data, the receipt and payment data, the scheduled shipping data, and the scheduled arrival data, as follows: Used credit amount = calculated inventory amount at the end of the previous month + arrived amount incurred in the current month - shipped amount incurred in the current month + expected arrival amount - expected shipment amount, and compares the calculated used credit amount with the credit limit in the credit limit master.

2. In the credit check process, Calculate the inventory amount as of the processing date based on the monthly inventory data and the receipt and payment data, Calculating the estimated shipping and receiving amounts from the processing date to the credit confirmation implementation date based on the shipping schedule data and the arrival schedule data; The deposit credit management device described in claim 1, characterized in that the credit consumption rate is calculated for each customer by dividing the credit limit in the credit limit master by (the calculated inventory amount as of the processing date + the calculated planned inbound and outbound shipping amount).

3. The control unit further It is configured to allow access to credit alert master data that is registered by associating it with business partners, alert levels, and credit consumption rates. The credit check process further includes: The credit alert master is referenced using the customer and the credit consumption rate as keys, and an alert level for each customer is obtained.

3. The deposit credit management device according to claim 2, wherein business partners whose credit rating is equal to or higher than a designated alert level are extracted and output.

4. 2. The deposit credit management device according to claim 1, wherein the credit check process is executed when an input process occurs in which a product is transferred or consigned to a business partner.

5. The control unit further It is configured to allow access to credit alert master data that is registered by associating it with business partners, alert levels, and credit consumption rates. the input process includes an order input process; In the credit check process, When the order date, expected arrival date, business partner, product, quantity, and expected arrival amount are specified on the order entry screen, Calculate the inventory amount as of the processing date for the specified business partner based on the monthly inventory data and receipt and payment data, For the designated business partner, calculate the estimated amounts of incoming and outgoing shipments from the processing date to the credit confirmation implementation date, which is the designated estimated arrival date, based on the shipping schedule data and arrival schedule data, Calculate the credit consumption rate from (the calculated inventory amount as of the processing date + the calculated estimated inbound / outbound amount + the specified estimated inbound amount) ÷ the credit limit in the credit limit master, The credit alert master is referenced using the customer and credit consumption rate as keys, and an alert level is obtained.

5. The deposit credit management device according to claim 4, wherein a warning or an error is displayed in accordance with the acquired alert level.

6. A deposit credit management method executed by an information processing device having a control unit, The control unit a credit limit master in which the depositee's business partner and the credit limit are associated and registered; Monthly inventory data including year / month, customer, product, quantity, and end-of-month inventory amount, Receipt and payment data including receipt and payment date, business partner, product, receipt and payment classification, receipt and payment quantity, and receipt and payment inventory amount; Shipping schedule data including the scheduled shipping date, business partner, product, quantity, scheduled shipping amount, shipping date, and shipping completion classification; Arrival schedule data including expected arrival date, business partner, product, quantity, expected arrival amount, arrival date, and arrival completion classification; It is configured to be accessible to Executed in the control unit: A method for managing credit for deposits, characterized by including a credit check step of calculating, for each business partner, the used credit amount as of the credit confirmation date based on the monthly inventory data, the receipt and payment data, the scheduled shipping data, and the scheduled arrival data as follows: Used credit amount = calculated inventory amount at the end of the previous month + arrived amount incurred in the current month - shipped amount incurred in the current month + expected arrival amount - expected shipment amount, and executing a credit check process to compare the calculated used credit amount with the credit limit in the credit limit master.

7. A deposit credit management program to be executed by an information processing device having a control unit, The control unit a credit limit master in which the depositee's business partner and the credit limit are associated and registered; Monthly inventory data including year / month, customer, product, quantity, and end-of-month inventory amount, Receipt and payment data including receipt and payment date, business partner, product, receipt and payment classification, receipt and payment quantity, and receipt and payment inventory amount; Shipping schedule data including the scheduled shipping date, business partner, product, quantity, scheduled shipping amount, shipping date, and shipping completion classification; Arrival schedule data including expected arrival date, business partner, product, quantity, expected arrival amount, arrival date, and arrival completion classification; It is configured to be accessible to The control unit A deposit credit management program for executing a credit check process that calculates, for each business partner, the used credit amount as of the credit confirmation date based on the monthly inventory data, the receipt and payment data, the scheduled shipping data, and the scheduled arrival data as follows: Used credit amount = calculated inventory amount at the end of the previous month + arrival amount incurred in the current month - shipment amount incurred in the current month + expected arrival amount - expected shipment amount, and executes a credit check process that compares the calculated used credit amount with the credit limit in the credit limit master.

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