Evaluation apparatus, evaluation method, and program

Abstract

To provide an evaluation apparatus, evaluation method, and program for granting a credit line based on inventory.SOLUTION: An evaluation apparatus in a storage that stores articles, as inventory goods, under high-humidity low-temperature conditions includes: a receiving unit which accepts inventory goods delivered from a producer; and a credit line granting unit which grants a credit line to the producer in accordance with the inventory goods.SELECTED DRAWING: Figure 1A

Description

[Technical Field]

[0001] The present invention relates to an evaluation device, an evaluation method, and a program. [Background technology]

[0002] Traditionally, refrigerators and freezers have been used to keep foods that require temperature control, such as meat, fish, and vegetables, fresh. In general, enzyme activity in food is positively correlated with food temperature, so the lower the temperature at which food is stored, the easier it is to maintain freshness. In addition, the growth rate of mold and bacteria can be kept extremely slow at temperatures around 0°C.

[0003] However, when storage temperatures are around 0°C, for example, meat and seafood, which are 70% to 80% water, and vegetables, which are 80% to 90% water, will freeze. When water turns to ice, its volume expands, and the extracellular fluid in the food freezes first, forming large ice crystals, which destroy the cell membrane from the outside. Furthermore, when frozen food is thawed, the intracellular and intercellular fluids released from the broken cells leak out, causing a loss of taste components and nutrients along with the water, and the food itself will also become less chewy. Furthermore, when storing food, if the relative humidity is not higher than the food's moisture content, water vapor will escape from the food into the surrounding air, causing it to dry out.

[0004] However, if the temperature inside the storage facility is raised to prevent freezing inside temperature-controlled items such as food, the activity of enzymes that break down food will increase, making it impossible to maintain freshness for a long period of time.

[0005] Therefore, Patent Document 1 discloses an evaporator for a storage facility in which a cold air temperature and humidity changing unit including a crushed ice heat exchanger is placed between a first blower and a second blower, adjacent to the first blower and the second blower. This cold air temperature and humidity changing unit contains ice supplied from the ice crushing unit, so the basic cold air comes into contact with this ice and becomes cold air containing water vapor at around 0°C.

[0006] Furthermore, as the ice melts and the resulting water vaporizes, the storage cabinet becomes filled with water vapor, creating a high-humidity environment with an internal temperature of around 0°C and a relative humidity of around 100%. Therefore, the quality of food stored in the storage cabinet can be maintained by keeping it at around 0°C and a relative humidity of around 100%. [Prior art documents] [Patent documents]

[0007] [Patent Document 1] Japanese Patent Application Publication No. 2018-162967 Summary of the Invention [Problem to be solved by the invention]

[0008] As described above, storage facilities that can maintain items at around 0°C and a relative humidity of around 100% can maintain the freshness of stored food for a long period of time without deteriorating its quality, and can even improve the nutritional value and taste through aging.

[0009] Incidentally, the agriculture, forestry and fisheries industries are not known for their stable earnings, as they face risks such as natural disasters and poor harvests due to bad weather, and as the main operators are small business owners such as farmers, they do not have sufficient financial strength, while the costs of consumer goods and capital investment tend to be high.In addition, the agriculture, forestry and fisheries industries are not an attractive borrowing destination for private financial institutions, so there is room for consideration regarding agricultural finance.

[0010] The present invention aims to provide an evaluation device, an evaluation method, and a program for granting a credit limit based on inventory. [Means for solving the problem]

[0011] [1] An evaluation device for a storage facility that stores items as inventory under high humidity and low temperature conditions, a receiving unit that receives the inventory from the producer; A credit limit granting unit that grants a credit limit to the producer according to the inventory item. Evaluation equipment. [2] The credit limit granting unit changes the credit limit depending on the storage period of the inventory. The evaluation device described in [1]. [3] The credit limit granting unit grants the credit limit by further taking into consideration the order receipt record of the producer. The evaluation device according to [1] or [2]. [4] The system further includes a financing unit that accepts a loan application based on the credit line from the producer. The evaluation device according to any one of [1] to [3]. [5] the financing department sets a minimum selling price for the inventory items covered by the utilized credit line; The evaluation device according to [4]. [6] The financing department changes the name of the inventory from the producer to the person who provided the financing when a predetermined period of time has passed since the financing. The evaluation device according to [4] or [5]. [7] When the inventory item that is the subject of the utilized credit line is sold, the financing department deducts the amount of the utilized credit line from the settlement amount. The evaluation device according to any one of [4] to [6]. [8] a fundraising unit that accepts loan applicants corresponding to the credit line; The evaluation device according to any one of [1] to [7]. [9] An evaluation device in a storage facility that stores items as inventory under high humidity and low temperature conditions, receiving inventory of said inventory from a producer; and granting a credit line to the producer according to the inventory. Evaluation method.

[10] An evaluation device for a storage facility that stores items as inventory under high humidity and low temperature conditions. receiving inventory of said inventory from a producer; and granting a credit line to the producer according to the inventory. program. [Effects of the Invention]

[0012] According to the present invention, it is possible to provide an evaluation device, an evaluation method, and a program for granting a credit limit based on inventory. [Brief explanation of the drawings]

[0013] [Figure 1A] FIG. 1 is a diagram illustrating an aspect of an evaluation system according to an embodiment of the present invention. [Figure 1B] 1 is a schematic perspective view showing one aspect of a storage cabinet according to an embodiment of the present invention. [Figure 2A] 1 is a block diagram showing one aspect of an evaluation device according to an embodiment of the present invention; [Figure 2B] FIG. 10 is a diagram showing one example of in-fridge data. [Figure 2C] FIG. 1 is a conceptual diagram for explaining a credit limit. [Figure 2D] FIG. 10 is a diagram showing one aspect of individual evaluation data. [Figure 2E] 1 is a schematic diagram showing the progress of expected sales prices and corresponding credit limits. [Figure 3] 1 is a flowchart illustrating an example of an evaluation process according to the present embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0014] Hereinafter, an embodiment of the present invention (hereinafter referred to as "the present embodiment") will be described in detail with reference to the drawings as necessary, but the present invention is not limited to this, and various modifications are possible without departing from the spirit of the present invention. In the drawings, the same elements are given the same reference numerals, and redundant explanations will be omitted. Furthermore, positional relationships such as up, down, left, and right will be based on the positional relationships shown in the drawings unless otherwise specified. Furthermore, the dimensional ratios of the drawings are not limited to those shown in the drawings.

[0015] 1. Rating System FIG. 1A is a schematic diagram showing an evaluation system according to this embodiment. As shown in FIG. 1A, an example of the evaluation system according to this embodiment may include storage cabinets 100a, 100b, and 100c (hereinafter simply referred to as "storage cabinet 100") for storing items under high-humidity, low-temperature conditions, an evaluation device 200 in the storage cabinet 100, a terminal 300a used by a user (producer) of the storage cabinet 100, and a terminal 300b used by a consumer of the items stored in the storage cabinet 100. The user of the storage cabinet 100 is a person who stores items in the storage cabinet 100, and may be a producer of the items or another distributor. When there is no need to distinguish between the terminals 300a and 300b, they are also simply referred to as "terminals 300."

[0016] The evaluation device 200 of this embodiment is a device that grants credit limits to producers based on inventory. In the example of FIG. 1A, the evaluation device 200 is shown as a server connected to the storage 100 via a network N. This allows the evaluation device 200 to grant credit limits in parallel to producers using multiple storages 100a, 100b, and 100c located in various locations. Note that, although the following description will be given using the evaluation device 200 as a server, the evaluation device 200 of this embodiment is not limited to this. Specifically, the evaluation device 200 may be installed in each storage 100 and grant credit limits to producers of inventory stored in each storage 100.

[0017] In this embodiment, "stock items" refers to items stored in the storage facility 100, and "goods" refers to items that are generally traded in the market. For example, in the case of lettuce, lettuce traded in the general market corresponds to the goods in this embodiment, and lettuce stored in the storage facility 100 corresponds to the stock items in this embodiment.

[0018] The evaluation device 200 may receive various data such as in-storage environment information and inventory information from the storage 100, and based on the data, grant a credit limit to the producer of the inventory stored in the storage 100. The evaluation device 200 may also accept the receipt of inventory from the storage 100 or the terminal 300a in response to an operation by the producer, or may accept an order for inventory from the terminal 300b in response to an operation by a consumer. Alternatively, the evaluation device 200 may transmit information regarding the credit limit or information regarding a loan or repayment to the terminal 300a in response to a request from the terminal 300a.

[0019] Fig. 1B is a schematic perspective view showing one embodiment of a storage facility. As shown in Fig. 1B, storage facility 100 may have a storage room 110 for accommodating items 160 and their packaging 170 to be stored under high-humidity, low-temperature conditions, a cooling evaporator 120 for maintaining the high-humidity, low-temperature conditions inside storage room 110, and a control device 130 for controlling cooling evaporator 120 and the like. Fig. 1B shows storage room 110 having a door 140 and sized to allow human entry, but the size of storage room 110 is not limited to this and may be one that is not intended for human entry.

[0020] The cooling evaporator 120 is an example of an air conditioner, and is not particularly limited as long as it can maintain high humidity and low temperature conditions inside the storage room 110. For example, the cooling evaporator 120 may have a water tank and a blower that blows air onto the water surface of the water tank to send moist air into the storage room, or may have a blower that blows air onto the ice to send moist air into the storage room.

[0021] The relative humidity under the high-humidity, low-temperature conditions of this embodiment is preferably 80% RH or higher, 85% RH or higher, 90% RH or higher, or 95% RH or higher. The upper limit of the relative humidity is not particularly limited, but is preferably 100% RH or lower. The temperature under the high-humidity, low-temperature conditions of this embodiment is preferably -1°C or higher, -0.5°C or higher, or -0.3°C or higher. The upper limit of the temperature is preferably 1°C or lower, 0.5°C or lower, or 0.3°C or lower.

[0022] The control device 130 may instruct the cooling evaporator 120 to control the temperature and humidity in the storage room 110, record the current and past temperature and humidity trends obtained from the sensor 150, manage information regarding the entry and exit of the items 160 stored in the storage room 110, and transmit this information to the evaluation device 200. In addition to this, the control device 130 may transmit information regarding the temperature and humidity in the storage room 110 and other information obtained by various sensors provided in the storage room 110 to the evaluation device 200.

[0023] The cooling / evaporating device 120 may include an ultraviolet irradiation device that irradiates ultraviolet rays onto the water or ice used to create the high-humidity, low-temperature environment. By irradiating ultraviolet rays, the number of bacteria contained in the cooling / evaporating device 120 can be reduced, and the spread of bacteria by the cooling / evaporating device 120 can be suppressed.

[0024] 1B shows an example in which the control device 130 is provided on the door 140 so that the user can easily check the temperature and humidity as well as manage the entry and exit of goods, but the present invention is not limited to this, and the control device 130 may be located in a place separate from the storage room 110 as long as it is connected to the storage room 110 via the network N. Furthermore, when an evaluation device 200 is provided for each storage room 100, the evaluation device 200 may be integrated with the control device 130.

[0025] Furthermore, the terminal 300 is not particularly limited as long as it is a terminal used by a user who stores items in the storage facility 100 or a consumer of the items stored in the storage facility 100, but may be, for example, a smartphone, tablet, desktop, laptop, or other computer.

[0026] 2A to 2E, the hardware configuration and functional configuration of the evaluation device 200 will be described. The evaluation device 200 is not particularly limited and may be, for example, a desktop, laptop, or other computer. The evaluation device 200 is a general-purpose computer and may be configured as a single computer or multiple computers on a network N.

[0027] 2A, the following describes the hardware configuration and functional configuration of the evaluation device 200. The evaluation device 200 includes, for example, a processor 210, a communication interface 220, an input / output interface 230, a memory 240, a storage 250, and one or more communication buses 260 for interconnecting these components.

[0028] The processor 210 is not particularly limited, but may include, for example, one or more central processing units (CPUs), MPUs, GPUs, microprocessors, processor cores, multiprocessors, ASICs, FPGAs, etc., and may perform processing, functions, or methods realized by code or instructions contained in a program stored in storage 250 using a logic circuit (hardware) formed in an integrated circuit or the like, or a dedicated circuit.

[0029] Specifically, the processor 210 may be configured to function as a reception unit 211, a credit line granting unit 212, a financing unit 213, and a funding unit 214, as shown in FIG. 2A. .

[0030] The communication interface 220 transmits and receives various data to and from other devices via the network N. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as mutual communication is possible. For example, the communication interface 220 may be implemented as hardware such as a network adapter, various communication software, or a combination of these.

[0031] Network N may be, but is not limited to, an ad-hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wide area network (WAN), a metropolitan area network (MAN), a portion of the Internet, a portion of the public switched telephone network (PSTN), a cellular network, ISDNs, wireless LANs, LTE, CDMA, Bluetooth, satellite communications, etc., or a combination thereof. A network may include one or more networks.

[0032] The input / output interface 230 may include an input device for inputting various operations to the evaluation device 200, and an output device for outputting processing results processed by the evaluation device 200. For example, the input / output interface 230 may include information input devices such as a keyboard, a mouse, and a touch panel, and an information output device such as a display. Note that the evaluation device 200 may receive a predetermined input or execute a predetermined output by connecting an external input / output interface 230. In the example shown in FIG. 1B, for example, the sensor 150 and the control device 130 of the storage 100 may function as external information input devices for the evaluation device 200.

[0033] The sensor 150 is not particularly limited, but examples thereof include a temperature and humidity sensor, an oxygen concentration sensor, a carbon dioxide concentration sensor, an ethylene gas sensor, etc. Using these sensors, the state inside the refrigerator can be recorded in the refrigerator data 251.

[0034] The goods and inventory items are not particularly limited as long as they are generally stored at low temperatures, and examples include food ingredients, fresh flowers, etc. Food ingredients include not only food ingredients before cooking such as meat, fish, and vegetables, but also food ingredients after pre-processing for cooking and cooked dishes.

[0035] The memory 240 temporarily stores programs loaded from the storage 250 and provides a working area for the processor 210. The memory 240 also temporarily stores various data generated while the processor 210 is executing the programs. The memory 240 may be, for example, a high-speed random access memory such as a DRAM, an SRAM, a DDR RAM, or another random access solid-state storage device, or a combination of these.

[0036] The storage 250 stores programs, each functional unit, models for various estimation processes, and various data. The storage 250 may be, for example, one or more magnetic disk storage devices, optical disk storage devices, flash memory devices, or nonvolatile memories such as other nonvolatile solid-state storage devices, or a combination thereof. Another example of the storage 250 may be one or more storage devices installed remotely from the processor 210.

[0037] 2B shows an example of the in-fridge data 251. The in-fridge data 251 records information measured by various sensors, information input to the terminal 300a and the control device 130, etc. Furthermore, each functional unit may obtain information required for various processes from the in-fridge data 251.

[0038] The "storage ID" is an identifier for uniquely identifying a storage facility when multiple storage facilities exist in different regions. The "storage environment information" records information about high and low humidity environments such as temperature and humidity, as well as other information about the environment inside the storage facility such as oxygen concentration. The storage environment information may be time-series data. Furthermore, the "inventory information" records information about the inventory status, such as information about the entry and exit of items into the storage facility 100.

[0039] Furthermore, the "inventory information" may include information such as an "inventory item ID," which is an identifier for uniquely identifying an inventory item, and the "species," "variety," "harvesting area," "entry date and time," "quality at time of entry," "quantity," "credit limit, minimum selling price, maximum selling period," "exit date and time," "quality at time of exit," "exit price information," and "storage status," all of which may be associated with each other. In addition, if the item is an agricultural product, the harvest date may be recorded, and if the item is a cooked or pre-processed food ingredient, the cooking date may be recorded.

[0040] In biological taxonomy, a "species" is a basic unit of hierarchical classification of living organisms, and in its biological definition, refers to a group of individuals that can freely interbreed in nature to produce reproductive offspring. These individuals share common morphological and genetic characteristics and are reproductively isolated from other similar populations. On the other hand, a "variety" is used to refer to a group of individuals within a species that have specific traits, and can also refer to a group of individuals that have been artificially improved and whose traits have been fixed. Thus, strawberries are a species, and Tochiotome strawberries are a variety. "Harvesting area" refers to the area where stock is harvested.

[0041] "Credit limit" records information about the credit limit associated with an inventory item. Figure 2C shows a conceptual diagram for explaining the credit limit. Figure 2C shows the price of an inventory item (lettuce) as a bar graph. The entire bar represents the expected sales price of the inventory item (lettuce) at any given time (e.g., 100 yen). In this case, the credit limit may be defined, for example, as a percentage of the expected sales price, i.e., a credit rate (e.g., 20%), or as an absolute value such as 20 yen. Furthermore, as shown in Figure 2C, the credit limit may include the cost of financing.

[0042] Here, "fundraising costs" refers to the costs that producers must pay when raising funds from fund providers, and may include various costs such as guarantee fees when obtaining a loan, fees received by fund providers, and other fees received by the operator of this system.

[0043] In the example of Figure 2C, the financing available to the producer under the line of credit for a particular inventory item is the line of credit minus the financing costs, and the total credit available to the producer under the line of credit may be the product of the number of inventory items in stock and the line of credit for that individual inventory item minus the financing costs.

[0044] The "minimum selling price" shown in FIG. 2C means the lowest price at which the inventory can be sold if a loan is granted. As shown in FIG. 2C, if the credit limit is determined based on the expected selling price of the inventory before it is sold, it is expected that the actual selling price and the expected selling price will differ due to the necessity of discounts when the inventory is actually sold. Since producers often have the right to determine the selling price of inventory, when a loan is granted, the financing unit 213 may set a minimum selling price to help guarantee debt collection.

[0045] The "maximum sales period" refers to the maximum period during which the inventory must be sold if a loan is granted. By using the storage facility of this embodiment, it becomes possible to store inventory for a much longer period than conventional storage. However, it is conceivable that the period will eventually reach a limit in terms of maintaining quality, and the inventory will no longer be able to be sold. Therefore, when a loan is granted, the financing unit 213 may set a maximum sales period to help guarantee debt collection.

[0046] The "maximum sales period" may be the period by which the product is guaranteed to maintain a certain level of quality when stored under high humidity and low temperature conditions, or it may be the estimated best-before-freshness period or the estimated best-ripening date. The maximum sales period may be determined based on the product being stored, its condition, and the time elapsed since the harvest date.

[0047] "Quality at time of arrival" and "quality at time of departure" refer to the quality at the time of arrival or departure, and may indicate the grade or class of the food material, or may further include information on ingredients such as nutritional content. Here, "grade" refers to a rating of shape, color, taste, etc., and generally includes ratings classified as special, excellent, good, or A to C, or special excellent, or specially selected. "Class" refers to a rating of size, and generally includes size ratings classified as L, M, S, etc.

[0048] Such quality may be, for example, image data of the product, or quality evaluated from the image data using a quality evaluation model, or a value evaluated using a known component meter such as a sugar content meter. The quality evaluation model is not particularly limited as long as it can evaluate the quality of an ingredient based on an appearance image of the ingredient or other item, and any conventionally known model can be used. Furthermore, such a quality evaluation model may be created by machine learning using learning data that associates image data of the ingredient with its quality evaluation.

[0049] The "storage condition" may include the packaging condition of the product. For example, in the case of lettuce, information such as whether the lettuce is stored as is, whether it is covered with a film that may have holes, or whether it is stored in a box such as a cardboard box may be included. Depending on the food ingredient, the storage condition may allow for even longer storage.

[0050] FIG. 2D shows one aspect of the individual evaluation data 252. The individual evaluation data 252 records individual evaluations of inventory items and their producers. The "Producer ID" is an identifier for uniquely identifying the producer. The "Species," "Variety," and "Harvest Area" may record the species, variety, and harvest area of ​​the item produced by the producer and stored as inventory. Furthermore, the "Inventory History" may record various information such as the inventory quantity, inventory frequency, and quality at the time of storage of the producer's inventory items, and the "Order History" may record various information such as the dispatch quantity, dispatch price, dispatch quality, and repeat rate of the producer's inventory items.

[0051] "Scarcity" may record the rarity of the "species" or "variety" of the stock item if it is rare compared to those circulating in the market. Also, "farming method" may record certified information on the safety and quality of the stock item, such as organic farming or various other farming methods.

[0052] The "evaluation information" may include information regarding the evaluation of the stock items or producers. Such evaluation information may include evaluation information related to the quality of the stock items, such as quality, freshness, appearance, and size, which have traditionally been expressed in terms of grade or rank, as well as information on various nutritional components, evaluation information related to supply stability, such as incoming and outgoing quantities and outgoing prices, evaluation information that enhances the brand value of the stock items, such as farming methods (safety) and rarity, and evaluation information indicating stable demand and positive evaluations in the market, such as repeat purchase rates.

[0053] 1.1. Reception department The reception unit 211 receives, for example, an entry of an inventory item from the control device 130 or the terminal 300a of the storage facility 100 in response to an operation by the producer. The reception unit 211 may record information on the inventory record, such as the entry price, the entry date, and the quality at the time of entry, in the in-warehouse data 251 as the entry information of the inventory item.

[0054] As described above, the reception unit 211 may record imaging data of inventory items as information regarding the quality at the time of receipt, or may record information regarding the quality at the time of receipt evaluated from the imaging data using a quality evaluation model, or may also record values ​​evaluated using a known component meter such as a sugar content meter.

[0055] 1.2. Credit Line Granting Department The credit limit granting unit 212 grants a credit limit to the producer depending on the inventory.

[0056] Since foodstuffs and other items gradually deteriorate after harvest and are difficult to store for long periods of time, foodstuffs brought to the market are immediately priced and traded, as shown in the Ministry of Agriculture, Forestry and Fisheries' Fruit and Vegetable Wholesale Market Survey mentioned above. In other words, in normal wholesale market transactions, foodstuffs are not stored for long periods of time before being traded, even though their freshness decreases. However, in this embodiment, a long storage period can be ensured by storing them under high-humidity, low-temperature conditions. Therefore, there is no need to trade immediately after harvest, and they can be traded during the storage period.

[0057] This allows the time required for a transaction to be secured within the storage period, so that, for example, it is possible to stock up on inventory during bumper harvests when production adjustments are made, and prepare for price hikes and declines in trading volume due to poor harvests caused by natural disasters.In particular, even perishable foods can be stored for long periods of one, two, or even more months, so inventory can be treated as a stable asset when some kind of risk occurs.

[0058] In addition, the stockpiled items can be regarded as prime stock that will eventually be sold on the market. Therefore, in this embodiment, the credit limit granting unit 212 grants a credit limit to the producer according to the stock items. This allows the producer to save the stock items as a kind of asset in preparation for natural disasters and the like when there is a bumper harvest or production adjustment, and also makes it possible to obtain loans based on the stock items, enabling more efficient farming.

[0059] As described above, the credit limit granted by the credit limit granting unit 212 may be a percentage of the expected sales price. Furthermore, the credit limit granting unit 212 may change the credit limit depending on the storage period of the inventory item.

[0060] To explain changes in credit limits, Figure 2E shows the trends in expected sales prices and the corresponding credit limits. The expected sales prices shown in Figure 2E may be determined based on annual price information, which is annual data on market prices of goods traded in the open market, or may be an approximate curve (baseline) for a graph of the annual price information. Here, the annual price information is based on information disclosed by the Ministry of Agriculture, Forestry and Fisheries as part of the Fruit and Vegetable Wholesale Market Survey (daily survey) and other similar information, and is shown as prices corresponding to each day from January 1 to December 31 based on the results of these daily surveys. Note that because market prices can be affected by factors such as supply and demand conditions and weather conditions for that year, annual price information may also be created by averaging prices over multiple years.

[0061] As shown in Figure 2E, the annual price information and the expected sales price fluctuate throughout the year. Therefore, the amount of the credit limit determined based on the expected sales price also fluctuates depending on when the expected sales price is set during the storage period. For example, since the expected sales price differs between time A and time B in Figure 2E, the credit limit set as a percentage of the expected sales price also differs. In this way, the credit limit granting unit 212 may set and change the credit limit depending on the planned storage period of the inventory item.

[0062] The credit limit granting unit 212 may grant a credit limit by further taking into consideration the order history of the producer. For example, if the order history indicates that the producer's inventory is traded at relatively high prices, or that buyers are easily found and repeat purchases are high, the inventory is likely to be sold at a higher price, and the risk of unsold goods is low. In such cases, the credit limit granting unit 212 may set the credit limit to a higher percentage of the expected sales price or a lower financing cost. On the other hand, if the order history indicates that the producer's inventory is traded at relatively low prices or that unsold goods are likely to remain, the credit limit granting unit 212 may set the credit limit to a lower percentage of the expected sales price or a higher financing cost.

[0063] Additionally, the credit limit granting unit 212 may grant a credit limit by further considering information about the quality of the stock items and farming methods.

[0064] Furthermore, the credit limit granting unit 212 may set the credit limit so that it does not exceed the minimum selling price in the annual price information. If a producer who has received a loan is unable to sell the inventory within a specified period, he or she must repay the loan by lowering the price of the inventory and selling it more quickly. In this case, if the amount of the credit limit is greater than the lowered price, the loan cannot be repaid by selling the inventory. In contrast, by setting the credit limit so that it does not exceed the minimum selling price in the annual price information, repayment is possible even if the inventory is lowered to the minimum selling price in the annual price information, which helps guarantee debt collection.

[0065] 1.3.Loan Department The financing unit 213 accepts a loan application based on a credit limit from a producer. Upon accepting the loan application, the financing unit 213 may set a minimum selling price for the inventory items that are subject to the utilized credit limit, or may set a maximum storage period. Then, when a predetermined period (minimum selling price) has passed since the loan, the financing unit 213 may change the name of the inventory items from the producer to the person who provided the loan. In other words, after the minimum selling price has passed, the inventory items may be handed over to the loan applicant as collateral for the loan.

[0066] Furthermore, when an inventory item that is the subject of the used credit limit is sold, the financing unit 213 may deduct the amount of the used credit limit from the settlement amount.

[0067] 1.4. Funding Department The fund raising unit 214 accepts loan applicants corresponding to the credit limit. When the loan unit 213 accepts a loan application based on the credit limit from a producer, the fund raising unit 214 may raise the loan from the loan applicant and transfer the money to the producer.

[0068] 1.5. Operation Processing Next, the operation of the evaluation device 200 will be described.

[0069] FIG. 3A shows a flowchart illustrating one aspect of the evaluation process of this embodiment. In step S11, the receiving unit 211 executes an inventory reception process to receive information about inventory items. In step S12, the credit limit granting unit 212 grants a credit limit to the producer according to the inventory items, and may record information about the credit rate and financing costs in the warehouse data 251. In step S13, when the financing unit 213 receives a loan application based on the credit limit from the producer, the financing unit 213 sets a minimum selling price and a maximum sales term and records this in the warehouse data 251. Then, the financing unit 213 executes the loan process using the loan from the loan applicant procured by the financing unit 214.

[0070] Thereafter, in step S14, if the inventory item is sold within the longest sales period, in step S15, the financing unit 213 may perform a settlement process in which, when the inventory item subject to the utilized credit limit is sold, the amount of the utilized credit limit is used to repay the loan, and the remaining amount remaining after deducting the repayment amount from the profit is handed over to the producer.

[0071] Furthermore, if the inventory items are not sold within the longest sales period in step S14, the financing unit 213 may change the name of the inventory items from the producer to the lender in step S16. The change of name may be performed by changing the name of the inventory items in the warehouse data 251 from the producer to the lender. Then, after collecting funds through the sale of the inventory items, a settlement process may be performed in which the amount used from the credit limit is used to repay the loan, and the remaining amount obtained by subtracting the repayment amount from the profit is handed over to the producer.

[0072] 2. Evaluation Method In the evaluation method of this embodiment, an evaluation device in a storage facility that stores items as inventory under high humidity and low temperature conditions performs the steps of accepting inventory from producers and granting credit limits to producers based on the inventory.

[0073] Note that the specific aspects of the method of this embodiment have been described above in the operational processing, so detailed description thereof will be omitted here.

[0074] 3. Program The program of this embodiment causes an evaluation device in a storage facility that stores items as inventory under high humidity and low temperature conditions to execute the steps of accepting inventory from producers and granting credit limits to producers based on the inventory.

[0075] The program may be recorded on a readable recording medium. Note that the specific aspects of the processing executed by the program of this embodiment have been described above in the operational processing, and therefore detailed description thereof will be omitted here. [Explanation of symbols]

[0076] 100, 100a, 100b, 100c...storage, 110...storage room, 120...cooling evaporator, 130...control device, 140...door, 150...sensor, 160...item, 170...packaging, 200...evaluation device, 210...processor, 211...reception unit, 212...credit line granting unit, 213...financing unit, 214...fund raising unit, 220...communication interface, 230...input / output interface, 240...memory, 250...storage, 251...warehouse data, 252...individual evaluation data, 260...communication bus, 300, 300a, 300b...terminal

Claims

1. An evaluation device for a storage facility that stores items as inventory under high humidity and low temperature conditions, a receiving unit that receives the inventory from the producer; A credit limit granting unit that grants a credit limit to the producer according to the inventory item. Evaluation equipment.

2. The credit limit granting unit changes the credit limit depending on the storage period of the inventory. The evaluation device according to claim 1 .

3. The credit limit granting unit grants the credit limit by further taking into consideration the order receipt record of the producer. The evaluation device according to claim 1 .

4. The system further includes a financing unit that accepts a loan application based on the credit line from the producer. The evaluation device according to claim 1 .

5. the financing department sets a minimum selling price for the inventory items covered by the utilized credit line; The evaluation device according to claim 4 .

6. The financing department changes the name of the inventory from the producer to the person who provided the financing when a predetermined period of time has passed since the financing. The evaluation device according to claim 4 .

7. When the inventory item that is the subject of the utilized credit line is sold, the financing department deducts the amount of the utilized credit line from the settlement amount. The evaluation device according to claim 4 .

8. a fundraising unit that accepts loan applicants corresponding to the credit line; The evaluation device according to claim 1 .

9. An evaluation device in a storage facility that stores items as inventory under high humidity and low temperature conditions, receiving inventory of said inventory from a producer; and granting a credit line to the producer according to the inventory. Evaluation method.

10. An evaluation device for a storage facility that stores items as inventory under high humidity and low temperature conditions. receiving inventory of said inventory from a producer; and granting a credit line to the producer according to the inventory. program.

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