Credit management service provider for trading companies

Abstract

To provide a trading company-type financial credit management service provision system that uses technologies such as DeFi and WEB 3.0 to enable efficient financial processing for small business entities with unclear credit.SOLUTION: A system 1 comprises: means 11 for calculating and creating credit information using accounting data provided in accounting systems 401 to 40n; means 12 for encrypting the credit information; means 13 for transmitting the encrypted credit information to an integrated system 41; means 14 for integrating the transmitted credit information in the integrated system; means 15 for accepting requests from parties who wish to use the credit information in order to provide trading company-type financial services such as fund raising, hedging, and use of insurance to business entities 501 to 50n that use the accounting system; means 16 for accepting a consent operation to the use of the credit information by the business entities using the accounting system; and means 17 for decrypting the encrypted credit information when the consent operation is accepted.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a credit management service provision system for trading company-type finance that effectively utilizes new technologies such as WEB3.0 and DeFi (Decentralized Finance) in Japanese finance, which has mainly been based on indirect finance by banks. [Background technology]

[0002] New technologies such as WEB3.0 and DeFi, which are being adopted globally, are based on the “direct” financial concepts of developed Western countries and have been attracting attention in recent years. Furthermore, this new technology goes beyond the scope of cashless transactions and extends to the concept of financial institution-less transactions. Summary of the Invention [Problem to be solved by the invention]

[0003] However, finance in Japan is mainly "indirect" finance, making it difficult to efficiently utilize new technologies such as DeFi.

[0004] The reason why new technologies such as DeFi are extending the concept of financial institutions without banks is due to the development of financial processing used in the flow of commerce, that is, financial processing based on arbitrage and fees in settlement, rather than financial processing in the flow of money, that is, financial processing based mainly on interest and dividends.

[0005] In Japan, DeFi-like businesses are classified as trading company-style finance by general trading companies. Therefore, it is considered effective to take into account trading company-style finance when utilizing new technologies such as DeFi in Japan.

[0006] However, trading company-type finance basically deals with large corporations (wholesale type), and is basically unable to deal with small and medium-sized enterprises or individuals, that is, retail type. Furthermore, under Japanese law, general trading companies that provide trading-type finance are legally restricted from doing business with large corporations (i.e., wholesale-type business, which is based on the premise that they have the ability to provide credit), and trading-type finance services are not provided to the retail side.

[0007] For this reason, in Japan, for small businesses such as small and medium-sized enterprises and stores, where it is unclear whether they have the credit to offer, one approach is for city banks (city banks and regional banks) to take the lead in compiling the financial needs of small and medium-sized enterprises and sending them to general trading companies for financial processing. However, in reality, this is unfamiliar work with different characteristics for banks, so it is difficult, and this part (trading company-style financing to small businesses where it is unclear whether they have the credit to offer) is barely functioning.

[0008] Another major reason why trading company-style financing is barely functioning in Japan for small businesses such as small and medium-sized enterprises and stores, where it is unclear whether they have the creditworthiness to be extended, is that the country does not have an environment where credit information is centrally managed and generally provided, as in Europe and the United States. Credit information is generally rating (classified) data created based on financial status calculated from financial statements and the like. For example, although there are credit information research agencies in Japan such as Teikoku Databank, credit information is only updated each time an investigation is conducted, so the frequency of updates is not high. Furthermore, since the cost of researching credit information is high, it is not easy to check credit information instantly. For this reason, trading company-style financing is virtually non-functioning, especially for small and medium-sized enterprises where it is unclear whether they have the credit to extend.

[0009] Furthermore, banks are also facing a severe shortage of credit processing staff, as their main business is the collection of bad debts after the collapse of the bubble economy, and they are basically unable to carry out lending operations. Furthermore, continued ultra-low interest rates have also created a bankruptcy logic in the form of low returns for medium-risk financial projects, making it difficult to provide effective funding to small and medium-sized enterprises. As a result, credit information for small and medium-sized enterprises in Japan is poor.

[0010] However, solving these problems using new technologies such as DeFi would be possible if a direct finance environment were in place like in Europe and the United States. However, as mentioned above, finance in Japan is indirect finance, and in a situation where banks hold credit management, it is virtually impossible to utilize credit information, which is a major obstacle to the provision of financial services in DeFi and Web 3.0 environments. For this reason, in Japan, even with the use of new technologies such as DeFi, it is difficult to efficiently process financial transactions for small businesses, where it is unclear whether they have the creditworthiness to provide such services.

[0011] The present invention has been made in consideration of the above-mentioned problems, and aims to provide a credit management service provision system for trading company-type finance that uses new technologies such as DeFi and WEB 3.0 to enable efficient financial processing for small businesses for which it is unclear whether they have the credit to be extended. [Means for solving the problem]

[0012] In order to achieve the above object, the credit management service provision system for trading company-type finance according to the present invention is constructed with a plurality of non-cloud type accounting systems and an accounting data integration system connected to the non-cloud type accounting systems through a network, and is connected to the trading company-type financial service provision system, and comprises: a credit information calculation / creation means provided in the non-cloud type accounting systems, the credit information calculation / creation means having a function of calculating / creating credit information using at least accounting data such as financial information of a business entity using the non-cloud type accounting system; a credit information encryption means having a function of encrypting the credit information of the business entity calculated / created by the credit information calculation / creation means; a credit information transmission means having a function of transmitting the credit information of the business entity encrypted by the credit information encryption means to the accounting data integration system; an accounting data integration means in the accounting data integration system, the accounting data integration means having a function of integrating the credit information of the business entity transmitted by the credit information transmission means; In order to provide trading company-type financial services such as fund raising, hedging, use of insurance, and confirmation of other commercial transactions (via the trading company-type financial service provision system) to businesses using the non-cloud-type accounting system, the system is characterized by having a credit information use request receiving means having a function of receiving a request for use of credit information from a party wishing to use the business's credit information encrypted by the credit information encryption means, a credit information use consent receiving means having a function of receiving an approval operation for the business using the non-cloud-type accounting system to use the business's credit information when the credit information use request receiving means receives a request for use of credit information from a party wishing to use the business's credit information, and a credit information decryption means having a function of decrypting the business's credit information encrypted by the credit information encryption means when the credit information use consent receiving means receives an approval operation for the use of the credit information from the business using the non-cloud-type accounting system.

[0013] The credit management service providing system for trading company-type finance according to the present invention is a trading company-type finance credit management service providing system that is constructed with a cloud-type accounting system and is connected to a trading company-type financial service providing system, and includes a credit information calculation / creation means having a function of calculating / creating credit information of a business using at least accounting data such as financial information of the business using the cloud-type accounting system, which is uploaded and updated on the cloud-type accounting system via input from individual terminals connected to a network, a credit information encryption means having a function of encrypting the credit information of the business calculated / created by the credit information calculation / creation means, and a trading company-type financial service providing means (said trading company) for providing financing, hedging, use of insurance, and confirmation of other commercial transactions to the business using the cloud-type accounting system. the credit information usage request receiving means having a function of receiving a request for use of credit information from a party wishing to use the credit information of the business operator encrypted by the credit information encryption means, in order to provide the same to the business operator (via a cloud-based financial service provision system); credit information usage consent receiving means having a function of receiving an approval operation for the use of the credit information of the business operator by the business operator using the cloud-based accounting system when the credit information usage request receiving means receives a request for use of credit information from a party wishing to use the credit information of the business operator; and credit information decryption means having a function of decrypting the credit information of the business operator encrypted by the credit information encryption means when the credit information usage consent receiving means receives an approval operation for the use of the credit information by the business operator using the cloud-based accounting system.

[0014] In addition, in the trading company-type financial credit management service provision system of the present invention, it is preferable that it further has a wallet means having a function of managing digital assets owned by businesses using the non-cloud-type accounting system in a wallet-like manner and performing market value evaluation, and a loan and insurance cost reduction means having a function of reducing the costs of loans and insurance in trading company-type financial services by using the digital assets managed by the wallet means as collateral.

[0015] In addition, it is preferable that the trading company-type financial credit management service provision system of the present invention further has a wallet means having a function of managing digital assets owned by businesses using the cloud-based accounting system in a wallet-like manner and performing market value evaluation, and a loan and insurance cost reduction means having a function of reducing the costs of loans and insurance in trading company-type financial services by using the digital assets managed by the wallet means as collateral.

[0016] Furthermore, in the trading company-type financial credit management service provision system of the present invention, it is preferable that the credit information calculation / creation means has a function of constantly revising the credit information of the business operator using the accounting system in accordance with information such as the evaluation of the business operator in transactions and the business operator's account receivable status, in addition to accounting data such as financial information of the business operator.

[0017] In addition, in the trading company-type financial credit management service provision system of the present invention, it is preferable that it further has an asset management means having an asset management function that includes functions such as portfolio management and a function of providing advice on optimal portfolio composition and hedging, etc.

[0018] In addition, in the trading company-type financial credit management service provision system of the present invention, it is preferable that the asset management means has a function capable of handling collateral setting and settlement processing, such as management of digital assets and currency stable coins.

[0019] Furthermore, in the trading company-type financial credit management service provision system of the present invention, it is preferable that the credit information calculation / creation means has a function of calculating / creating credit information for a business using the accounting system by further incorporating the creditworthiness of payments, such as whether payments are always made without problem, as processing information related to payments of the business.

[0020] In addition, in the trading company-type financial credit management service provision system of the present invention, it is preferable that the credit information calculation / creation means has a function of calculating / creating credit information for a business operator using the accounting system by further incorporating the asset strength and collateral strength of the business operator.

[0021] In addition, in the trading company-type financial credit management service provision system of the present invention, when multiple businesses constituting a single organization jointly receive trading company-type financial credit management services from the trading company-type financial credit management service provision system, it is preferable that the system further has a digital contract assistance means having a function of assisting a specified business that is a member of the organization in concluding a digital contract (NFT-like token) in which credit is provided to a business that lacks credit.

[0022] In addition, in the trading company-type financial credit management service provision system of the present invention, it is preferable that the credit information calculation / creation means has a function of further incorporating evaluations of the businesses that make up the organization and calculating / creating credit information for the businesses.

[0023] Furthermore, in the trading company-type financial credit management service provision system of the present invention, it is preferable that the credit information use consent accepting means further has a function of accepting a consent operation by an enterprise using the non-cloud-type accounting system to provide the enterprise's credit information to a specified financial service provision system other than trading company-type financial services, and further has a credit information providing means having a function of providing the enterprise's credit information calculated and created by the credit information calculation / creation means to the specified financial service provision system other than trading company-type financial services when the credit information use consent accepting means accepts a consent operation by an enterprise using the non-cloud-type accounting system to provide the enterprise's credit information to a specified financial service provision system other than trading company-type financial services.

[0024] Furthermore, in the trading company-type financial credit management service provision system of the present invention, it is preferable that the credit information use consent accepting means further has a function of accepting a consent operation by a business using the cloud-based accounting system to provide the business's credit information to a specified financial service provision system other than the trading company-type financial service, and further has a credit information providing means having a function of providing the business's credit information calculated and created by the credit information calculation / creation means to the specified financial service provision system other than the trading company-type financial service when the credit information use consent accepting means accepts a consent operation by a business using the cloud-based accounting system to provide the business's credit information to a specified financial service provision system other than the trading company-type financial service.

[0025] Furthermore, in the trading company-type financial credit management service provision system of the present invention, when the credit information provision means provides credit information of an enterprise using the accounting system to a specified financial service provision system separate from the trading company-type financial service, it is preferable that the means further has a function of proposing to the enterprise providing the credit information a reduction or waiver of the usage fee for the trading company-type financial credit management service provision system or the usage fee on the condition that the accounting information is analyzed.

[0026] Furthermore, in the trading company-type financial credit management service provision system of the present invention, the accounting information is information analyzed as business attributes rather than as individual business names, and it is preferable that the system further has accounting information provision means having a function of providing the accounting information to a specified financial service provision system separate from the trading company-type financial service as automated advertising by AI or as big data-converted supply chain information.

[0027] In addition, in the trading company-type financial credit management service provision system of the present invention, it is preferable that the credit information includes the accounts receivable of the business operator as credit information to be used when dividing an applied factoring ST into groups according to credit when the business operator using the accounting system generates the factoring ST.

[0028] In addition, in the trading company-type financial credit management service provision system of the present invention, it is preferable that it is further connected to a financial service provision system that provides bank digital currency processing and services using bank accounts, as a specified financial service provision system separate from the trading company-type financial services. Effect of the Invention

[0029] According to the present invention, a credit management service provision system for trading company-type finance is obtained, which uses new technologies such as DeFi and Web 3.0 to enable efficient financial processing for small businesses whose creditworthiness is unclear. [Brief description of the drawings]

[0030] [Figure 1] 1 is a block diagram conceptually showing the overall configuration of a trading company-type financial credit management service providing system according to a first embodiment of the present invention. [Diagram 2] 1 is a block diagram conceptually showing the function and configuration of a credit information calculation / creation means in a trading company-type financial credit management service providing system according to the present embodiment. FIG. [Diagram 3] 1 is a block diagram conceptually showing the function and configuration of a credit information encryption means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Figure 4] 1 is a block diagram conceptually showing the function and configuration of a credit information transmission means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Diagram 5] 1 is a block diagram conceptually showing the function and configuration of an accounting data integration means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Figure 6] 1 is a block diagram conceptually showing the function and configuration of a credit information utilization request receiving means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Figure 7]1 is a block diagram conceptually showing the function and configuration of a credit information use approval receiving means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Figure 8] 1 is a block diagram conceptually showing the function and configuration of a credit information decryption means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Figure 9] 1 is a block diagram conceptually showing the function and configuration of a wallet means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Figure 10] 1 is a block diagram conceptually showing the functions and configuration of the loan and insurance cost reduction means in the trading company type financial credit management service provision system of this embodiment. FIG. [Figure 11] 1 is a block diagram conceptually showing the functions and configuration of an asset management means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Figure 12] 1 is a block diagram conceptually showing the functions and configuration of a digital contract assisting means in a trading company-type financial credit management service providing system according to this embodiment. FIG. [Figure 13] 1 is a block diagram conceptually showing the function and configuration of a credit information providing means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Figure 14] FIG. 2 is a block diagram conceptually illustrating the function and configuration of the accounting information providing means in the trading company-type financial credit management service providing system according to the present embodiment. [Figure 15] 4 is a flowchart showing a part of a process flow using the trading company-type financial credit management service providing system according to the present embodiment. [Figure 16] 13 is a flowchart showing another part of the process flow using the trading company-type financial credit management service providing system according to the present embodiment. [Figure 17] 1 is a flowchart showing a part of various processes in the provision of trading company-type financial services using credit information made available by the trading company-type financial credit management service providing system according to the present embodiment. [Figure 18]13 is a flowchart showing other parts of the processes in the provision of trading-type financial services using credit information that has become available using the trading-type financial credit management service providing system according to the present embodiment. [Figure 19] FIG. 11 is a block diagram conceptually showing the overall configuration of a trading company-type financial credit management service providing system according to a second embodiment of the present invention. [Figure 20] 1 is a block diagram conceptually showing the function and configuration of a credit information calculation / creation means in a trading company-type financial credit management service providing system according to the present embodiment. FIG. [Figure 21] 1 is a block diagram conceptually showing the function and configuration of a credit information utilization request receiving means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Figure 22] 1 is a block diagram conceptually showing the function and configuration of a credit information use approval receiving means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Figure 23] 1 is a block diagram conceptually showing the function and configuration of a credit information decryption means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Figure 24] 1 is a block diagram conceptually showing the function and configuration of a wallet means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Diagram 25] 1 is a block diagram conceptually showing the function and configuration of a credit information providing means in a trading company-type financial credit management service providing system according to an embodiment of the present invention. FIG. [Figure 26] 4 is a flowchart showing a part of a process flow using the trading company-type financial credit management service providing system according to the present embodiment. [Figure 27] 13 is a flowchart showing another part of the process flow using the trading company-type financial credit management service providing system according to the present embodiment. [Figure 28] 1 is a flowchart showing a part of various processes in the provision of trading company-type financial services using credit information made available by the trading company-type financial credit management service providing system according to the present embodiment. [Figure 29] 13 is a flowchart showing other parts of the processes in the provision of trading-type financial services using credit information that has become available using the trading-type financial credit management service providing system according to the present embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0031] Prior to describing the embodiments, the circumstances under which the present invention was derived and the effects of the present invention will be described.

[0032] As mentioned above, new technologies such as Web 3.0 and DeFi, which are being introduced globally, are based on the “direct” financial concepts of developed Western countries and have been attracting attention in recent years. Furthermore, this new technology goes beyond the scope of cashless transactions and extends to the concept of financial institution-less transactions.

[0033] However, finance in Japan is mainly "indirect" finance, making it difficult to efficiently utilize new technologies such as DeFi.

[0034] The reason why new technologies such as DeFi are extending the concept of financial institutions without banks is due to the development of financial processing used in the flow of commerce, that is, financial processing based on arbitrage and fees in settlement, rather than financial processing in the flow of money, that is, financial processing based mainly on interest and dividends.

[0035] In Japan, DeFi-like businesses are classified as trading company-style finance by general trading companies. Therefore, it is considered effective to take into account trading company-style finance when utilizing new technologies such as DeFi in Japan.

[0036] However, trading company-type finance basically deals with large corporations (wholesale type), and is basically unable to deal with small and medium-sized enterprises or individuals, that is, retail type. Furthermore, under Japanese law, general trading companies that provide trading-type finance are legally restricted from doing business with large corporations (i.e., wholesale-type business, which is based on the premise that they have the ability to provide credit), and trading-type finance services are not provided to the retail side.

[0037] For this reason, in Japan, for small businesses such as small and medium-sized enterprises and stores, where it is unclear whether they have the credit to offer, one approach is for city banks (city banks and regional banks) to take the lead in compiling the financial needs of small and medium-sized enterprises and sending them to general trading companies for financial processing. However, in reality, this is unfamiliar work with different characteristics for banks, so it is difficult, and this part (trading company-style financing to small businesses where it is unclear whether they have the credit to offer) is barely functioning.

[0038] Another major reason why trading company-style financing is barely functioning in Japan for small businesses such as small and medium-sized enterprises and stores, where it is unclear whether they have the creditworthiness to be extended, is that the country does not have an environment where credit information is centrally managed and generally provided, as in Europe and the United States. Credit information is generally rating (classified) data created based on financial status calculated from financial statements and the like. For example, although there are credit information research agencies in Japan such as Teikoku Databank, credit information is only updated each time an investigation is conducted, so the frequency of updates is not high. Furthermore, since the cost of researching credit information is high, it is not easy to check credit information instantly. For this reason, trading company-style financing is virtually non-functioning, especially for small and medium-sized enterprises where it is unclear whether they have the credit to extend.

[0039] Furthermore, banks are also facing a severe shortage of credit processing staff, as their main business is the collection of bad debts after the collapse of the bubble economy, and they are basically unable to carry out lending operations. Furthermore, continued ultra-low interest rates have also created a bankruptcy logic in the form of low returns for medium-risk financial projects, making it difficult to provide effective funding to small and medium-sized enterprises. As a result, credit information for small and medium-sized enterprises in Japan is poor.

[0040] However, solving these problems using new technologies such as DeFi would be possible if a direct finance environment were in place like in Europe and the United States. However, as mentioned above, finance in Japan is indirect finance, and in a situation where banks hold credit management, it is virtually impossible to utilize credit information, which is a major obstacle to the provision of financial services in DeFi and Web 3.0 environments. For this reason, in Japan, even with the use of new technologies such as DeFi, it is difficult to efficiently process financial transactions for small businesses, where it is unclear whether they have the creditworthiness to provide such services.

[0041] As such, in Japan, the following issues are arising regarding financial businesses related to new technologies such as DeFi: First, trading-type finance, which is the basis for effectively utilizing new technologies such as DeFi, is not a financial field in the flow of money that is primarily focused on interest rates and dividends, but rather a financial field used in the flow of commerce that is primarily focused on arbitrage and fees in settlement, and financial institutions are not good at trading-type finance. Second, banks are primarily responsible for credit management for small businesses, such as small and medium-sized enterprises and stores, where it is unclear whether they have the credit to be extended.

[0042] The present inventors have considered and investigated methods for solving the above two problems as follows. As for how to solve the first problem, one possible solution would be to build a system that can process the logic of trading company-style finance, which is an area in which financial institutions are not adept, and make it possible to process the data automatically.

[0043] As for ways to resolve the second problem, when it comes to credit management for small businesses, such as small and medium-sized enterprises and stores, where it is unclear whether they have the credit to be extended, banks often store data on paper, and organising the data is considered to be practically difficult, particularly as it is not cost-effective.

[0044] Therefore, the inventors of this invention came up with the idea of ​​extracting information for calculating credit for small businesses, such as small and medium-sized enterprises and stores, where it is unclear whether they have the credit to be extended, from accounting systems rather than from bank data. Incidentally, in non-cloud accounting systems using general accounting software, accounting data such as financial information is stored on the personal computers of each business user, making it difficult to deal with this. However, it is believed possible to calculate and create (basic) credit information using the accounting data as a base and financial information via a credit calculation function built into the system. Therefore, the inventors of this invention came up with the idea of ​​making it possible to encrypt and transmit this calculated and created credit information (basic information) over a network to the parent accounting system (integration function).

[0045] In addition, the inventors of this invention devised a cloud-based accounting system in which accounting data such as financial information is uploaded to the cloud and updated, allowing the credit calculation function to periodically calculate and create credit information in a centralized manner, and then encrypt and record it.

[0046] In addition, the inventors of this case came up with a system in which the owner of this encrypted credit information is the business operator (mainly a small or medium-sized enterprise) that uses the accounting system, and the encrypted information cannot be used unless the business operator using the accounting system gives consent for the use of the credit information.

[0047] To grant consent, we considered using a method of decrypting (reversing the encryption) when requested by the party wishing to use the credit information (assuming financial institutions in addition to trading partners). In this case, the counterparty is the function or institution that provides financial services to businesses that use the accounting system in question. In addition, the financial services mentioned above include information provision services that can be used for a wide range of purposes, such as when businesses using the accounting system raise funds (such as loans), use hedging and insurance, and confirm business transactions.

[0048] When generating a factoring ST for which an application has been made, it is possible to group the accounts according to credit. Therefore, the inventors of the present invention have considered incorporating accounts receivable into credit information for use in grouping the factoring ST. In addition, the inventors of the present invention have devised a system in which the credit information is constantly revised by taking into account not only basic information such as the financial status of the accounting system, but also information such as valuation back information in transactions and the status of accounts receivable.

[0049] In addition, the inventors considered adding an asset management function that would allow digital assets (purchased elsewhere) to be managed like a wallet (valued at current market value), and that would allow the managed digital assets to be used as collateral to reduce the cost of loans and insurance.

[0050] The inventors of the present invention also considered that the asset management function should be implemented with a function such as portfolio management, so that advice on optimal composition and hedging can be provided.

[0051] The inventors then came up with the idea of ​​incorporating an asset management function into the accounting system, making it possible to handle not only collateral setting but also payment processing when it comes to the management of digital assets and stable coin currencies.

[0052] In this way, the inventors came up with the idea of ​​automating and providing financial processing parts that are weak points of Japanese financial institutions, including the introduction of trading company-style financing for payment processing, the introduction of direct financing through collateral and credit, and the improvement of hedging efficiency. The inventors also considered incorporating processing information regarding payments (such as information on whether payments are always made without any problems) for the purpose of calculating and creating credit information using the credit calculation function, and incorporating the creditworthiness of payments as credit information, thereby improving the accuracy of credit.

[0053] The inventors of the present invention also considered incorporating asset strength and collateral strength into the credit information, thereby calculating and creating comprehensive credit information. In addition, the inventors envisioned that when an accounting system is shared among multiple businesses that make up a chamber of commerce, for example, it would be possible to adjust digital contracts (NFT-like tokens) through which members of the chamber of commerce grant credit to specific businesses that lack credit via the accounting system. The inventors also considered making it possible to incorporate the evaluations of business operators that make up the chamber of commerce into credit information. This could serve as a form of mutual support for the local community.

[0054] In this way, the inventors of this invention thought that by deriving credit level information from accounting system information via a credit calculation function and linking it to financial services, it would be possible to normalize the lending business for small and medium-sized enterprises in Japan.

[0055] The inventors also conceived of making it possible for this credit information to be held by business operators using the accounting system and for it to be provided to other financial services. In that case, it is expected that processing will become very efficient, such as by reducing the fees for using the functions of the accounting system for providing credit information of companies that are business operators using the accounting system to the other financial service (it may even be possible to make accounting processing free of charge, provided that the accounting information is analyzed), or by providing the credit information, business operators using the accounting system will be able to reduce the costs of loans, insurance, etc., of the other financial service. In this case, the inventor considered making it possible to convert accounting information (however, analyzed as business attributes rather than the individual company names of the businesses using the accounting system) into big data for automated advertising using AI or as supply chain information, and provide it as a separate service.

[0056] The inventors also considered incorporating into the functions of the accounting system a function for digitizing physical assets (such as converting them into NFTs).

[0057] In addition, in other countries, business credit cards are incorporated into accounting systems and considered a financial service, but in other countries, credit cards are a financial transaction in the flow of money. In addition, some cloud-based accounting systems offer factoring-like services, but the scope of services is limited and narrow, and they are generally not optimal in terms of liquidity, etc.

[0058] The above-mentioned services that the present inventors are considering and examining are not primarily about incorporating bank financial services, but are primarily about incorporating trading company-type finance into the accounting system. However, it is planned to allow banks to process digital currency and to connect to and provide financial service systems using bank accounts.

[0059] In this way, the inventors of the present invention have considered and examined ways to use new technologies such as DeFi and Web 3.0 to enable efficient financial processing for small businesses for which it is unclear whether they have the credit to be extended, and have come up with the present invention, a system for providing credit management services for trading company-type finance.

[0060] The trading company-type financial credit management service provision system of the present invention is constructed with a plurality of non-cloud type accounting systems and an accounting data integration system that is connected to the non-cloud type accounting systems through a network, and is connected to the trading company-type financial service provision system, and comprises: a credit information calculation / creation means provided in the non-cloud type accounting systems, the credit information calculation / creation means having a function of calculating / creating credit information of a business using at least accounting data such as financial information of the business; a credit information encryption means having a function of encrypting the credit information of the business calculated / created by the credit information calculation / creation means; a credit information transmission means having a function of transmitting the credit information of the business encrypted by the credit information encryption means to the accounting data integration system; an accounting data integration means in the accounting data integration system having a function of integrating the credit information of the business transmitted by the credit information transmission means; In order to provide trading company-type financial services such as fund raising, hedging, use of insurance, and confirmation of other commercial transactions to businesses using a cloud-based accounting system (via the trading company-type financial service provision system), the system has a credit information use request receiving means having a function of receiving a request to use the business's credit information encrypted by the credit information encryption means from a party wishing to use the business's credit information, a credit information use consent receiving means having a function of receiving, when the credit information use request receiving means receives a request to use credit information from a party wishing to use the credit information, a credit information use consent receiving means having a function of receiving an approval operation by the business using the non-cloud-based accounting system for the use of the business's credit information, and a credit information decryption means having a function of decrypting the business's credit information encrypted by the credit information encryption means when the credit information use consent receiving means receives an approval operation by the business using the non-cloud-based accounting system for the use of the business's credit information.

[0061] With the configuration of this invention, credit management of small businesses such as SMEs, which has traditionally been handled by banks, can be managed by the system by calculating and creating credit information from the accounting systems used by the businesses, making it possible to improve efficiency and profitability, unlike the traditional management of credit information by banks on paper, which was cost-inefficient. In addition, the system will be able to automatically handle trading company-type financial processing, something that banks and other financial institutions have struggled to do. In addition, it will become possible to efficiently obtain credit information on small businesses such as SMEs, enabling effective provision of funds to small businesses. Furthermore, even in Japan, where indirect finance is the norm, new technologies such as DeFi and Web 3.0 will make it possible to carry out trading company-style financial processing that efficiently utilizes credit information. Furthermore, if the encrypted credit information cannot be used unless the business using the accounting system gives its consent, it is possible to limit the number of parties using the credit information to a necessary minimum for the business using the accounting system and prevent unnecessary information leaks.

[0062] The credit management service providing system for trading company-type finance of the present invention is constructed with a cloud-type accounting system and connected to a trading company-type financial service providing system, and comprises a credit information calculation / creation means having a function of calculating / creating credit information of a business using at least accounting data such as financial information of the business using the cloud-type accounting system, which is uploaded and updated on the cloud-type accounting system via input from individual terminals connected to a network, a credit information encryption means having a function of encrypting the credit information of the business calculated / created by the credit information calculation / creation means, and a trading company-type financial service providing means for providing trading company-type financial services such as fund raising, hedging, use of insurance, and confirmation of other commercial transactions to the business using the cloud-type accounting system (such as the credit information calculation / creation means). the credit information usage request receiving means having a function of receiving a request to use the business's credit information encrypted by the credit information encryption means from a party wishing to use the business's credit information, in order to provide the same to the business (via a trading company-type financial service provision system); a credit information usage consent receiving means having a function of receiving, when the credit information usage request receiving means receives a request to use credit information from a party wishing to use the credit information, an approval operation for the use of the business's credit information by the business using the cloud-based accounting system; and a credit information decryption means having a function of decrypting the business's credit information encrypted by the credit information encryption means when the credit information usage consent receiving means receives an approval operation for the use of the business's credit information by the business using the cloud-based accounting system.

[0063] In addition to the above-mentioned effects, when the present invention is configured as described above, by using a cloud-based accounting system, accounting data such as financial information can be uploaded and updated on the cloud, making it possible to calculate and create credit information periodically via the credit calculation function, thereby improving the reliability of the credit information.

[0064] In addition, the trading company type financial credit management service provision system of the present invention preferably further includes a wallet means having a function of managing digital assets owned by businesses using the non-cloud type accounting system in a wallet-like manner and conducting current value evaluation, and a loan and insurance cost reduction means having a function of reducing the costs of loans and insurance in trading company type financial services by using the digital assets managed by the wallet means as collateral.

[0065] In addition, the trading company-type financial credit management service provision system of the present invention preferably further includes a wallet means having a function of managing digital assets owned by businesses using the cloud-based accounting system in a wallet-like manner and conducting current value evaluation, and a loan and insurance cost reduction means having a function of reducing the costs of loans and insurance in trading company-type financial services by using the digital assets managed by the wallet means as collateral.

[0066] In this way, if the accounting system is configured with a function to perform a current value assessment of the digital assets held by businesses using the system, it will be possible to easily apply the assets as collateral for loans and insurance. Furthermore, if the system is configured with a function to reduce the costs of loans and insurance in trading-type financial services using digital assets as collateral, it will be possible to make it easier to process loans and insurance in trading-type financial services using digital assets as collateral.

[0067] This point will be explained in more detail. Trading company finance is not about money flow finance, but about commerce flow finance. Trading company financial services include alternative financial services (a variety of fund formats such as middle risk, middle return, etc.), but for example, there are financial services for businesses that trade on credit in order to monetize the time difference in transaction settlement through arbitrage. Examples of such financial services include making advance payments for accounts receivable and extending payment dates. The upper limit of payment amounts and interest rates for such financial services are normally set by financial institutions based on rating information, and fees are then added on top of that for processing. However, as in the trading company-type financial credit management service provision system of the present invention, if it is configured with a wallet means having a function of performing market value evaluation, and a loan and insurance cost reduction means having a function of reducing the costs of loans and insurance in trading company-type financial services by using the digital assets managed by the wallet means as collateral, then the automation of this function can make the processing of such financial services significantly more efficient, and it can reduce fee costs.

[0068] Furthermore, in the trading company-type financial credit management service provision system of the present invention, the credit information calculation / creation means preferably has a function of constantly revising the credit information of the business operator using the accounting system in accordance with information such as the business operator's evaluation in transactions and the business operator's account receivable status, in addition to accounting data such as financial information of the business operator. This configuration makes it possible to improve the accuracy of credit information.

[0069] In addition, the trading company-type financial credit management service provision system of the present invention preferably further includes an asset management means having an asset management function including functions such as portfolio management and a function for providing advice on optimal portfolio composition and hedging, etc. With this configuration, it is possible to obtain information for optimal asset formation and management according to credit.

[0070] In addition, in the trading company-type financial credit management service provision system of the present invention, the asset management means preferably has a function capable of handling collateral setting and settlement processing, such as management of digital assets and currency stable coins. Such a configuration makes it possible to widely handle all types of financial transactions.

[0071] Furthermore, in the trading company-type financial credit management service provision system of the present invention, the credit information calculation / creation means preferably has a function of calculating / creating credit information for a business using the accounting system by further incorporating the creditworthiness of payments, such as whether payments are always made without problem, as processing information related to payments for the business. This configuration can further improve the accuracy of the credit information.

[0072] In addition, in the trading company-type financial credit management service provision system of the present invention, preferably, the credit information calculation / creation means has a function of calculating / creating credit information for a business operator using the accounting system by further incorporating the asset strength and collateral strength of the business operator. This configuration can further improve the accuracy of the credit information.

[0073] In addition, in the trading company-type financial credit management service provision system of the present invention, preferably, when multiple businesses constituting a single organization jointly receive trading company-type financial credit management services from the trading company-type financial credit management service provision system, the system further has a digital contract assistance means having a function of assisting a specified business that is a member of the organization in concluding a digital contract (NFT-like token) in which credit is provided to a business that is insufficient in credit. Such a configuration makes it possible to contribute to mutual support between businesses that make up an organization such as a chamber of commerce when the trading company type finance credit management service providing system is shared among the businesses.

[0074] This point will be explained in more detail. For businesses with poor financial statements and no profits, quantitative indicators will not calculate or create good credit rating data. However, for businesses with a long history, businesses that are absolutely necessary in the region, or businesses that are expected to be necessary in the future, qualitative indicators such as future potential, rather than numerical values, are needed. However, when it comes to credit information for businesses that require qualitative indicators, banks use quantitative indicators and cannot evaluate using qualitative indicators. On the other hand, local chambers of commerce and local governments may be able to accurately recognize the need for qualitative indicators. Therefore, if the system is configured with a digital contract assistance means, like the trading company-type financial credit management service provision system of the present invention, it will be possible to facilitate fundraising by having surrounding companies guarantee the credit of businesses that carry out businesses necessary for the area as described above, and it will be possible to help each business by entering into individual loan contracts or guaranteeing loans using assets such as digital rights as collateral.

[0075] In addition, in the trading company-type financial credit management service provision system of the present invention, it is preferable that the credit information calculation / creation means has a function of further incorporating evaluations of the businesses that make up the organization and calculating / creating credit information for those businesses. With this configuration, it is possible to improve the accuracy of credit information when businesses constituting an organization such as a chamber of commerce share the trading company type finance credit management service providing system.

[0076] Furthermore, in the trading company-type financial credit management service provision system of the present invention, preferably, the credit information use consent accepting means further has a function of accepting a consent operation by an enterprise using the non-cloud-type accounting system to provide the enterprise's credit information to a specified financial service provision system other than trading company-type financial services, and further has credit information providing means having a function of providing the enterprise's credit information calculated and created by the credit information calculation / creation means to the specified financial service provision system other than trading company-type financial services when the credit information use consent accepting means accepts a consent operation by an enterprise using the non-cloud-type accounting system to provide the enterprise's credit information to a specified financial service provision system other than trading company-type financial services.

[0077] Furthermore, in the trading company-type financial credit management service provision system of the present invention, preferably, the credit information use consent accepting means further has a function of accepting a consent operation by a business using the cloud-based accounting system to provide the business's credit information to a specified financial service provision system other than the trading company-type financial service, and further has credit information providing means having a function of providing the business's credit information calculated and created by the credit information calculation / creation means to the specified financial service provision system other than the trading company-type financial service when the credit information use consent accepting means accepts a consent operation by a business using the cloud-based accounting system to provide the business's credit information to a specified financial service provision system other than the trading company-type financial service. With this configuration, it is possible to expand the range of financial services that utilize credit information.

[0078] Furthermore, in the trading company-type financial credit management service provision system of the present invention, preferably, when the credit information provision means provides credit information of an enterprise using the accounting system to a specified financial service provision system separate from the trading company-type financial service, it further has a function of proposing to the enterprise that is the provider of the credit information a reduction or waiver of the usage fee for the trading company-type financial credit management service provision system, conditional on an analysis of the accounting information or the usage fee. With this configuration, it becomes possible for businesses using the accounting system to reduce costs for loans, insurance, etc., and to improve the efficiency of accounting processing from an economic standpoint.

[0079] This point will be explained in more detail. For example, if a hedge is analyzed based on the credit information of a business using an accounting system, and a hedge service based on the analysis is proposed to the business and a contract is concluded, the hedge service provider can make a profit. Therefore, the hedge service provider who uses the business's credit information can be asked to return a part of the profit gained from the use of the credit information to the accounting system as a fee. As with hedging, the service provider can also return a part of the profit gained from the use of the credit information to the accounting system as a fee. In this way, the accounting system can be monetized through commission returns to service providers, such as hedging, rather than through usage fees charged to customers (businesses), and by being able to monetize, it becomes possible to reduce the fees for using the accounting system. Therefore, in the trading company-type financial credit management service provision system of the present invention, when the credit information provision means provides credit information of businesses using the accounting system to a specified financial service provision system other than the trading company-type financial service, if it is configured to further have a function of proposing to the business that is the provider of the credit information a reduction or waiver of the usage fee for the trading company-type financial credit management service provision system or the usage fee subject to analysis of the accounting information, it will be possible, for example, to reduce or waive the monthly usage fee, making it possible to increase the number of businesses using this accounting system.

[0080] In the trading company type financial credit management service provision system of the present invention, preferably, the accounting information is information analyzed as business attributes, rather than individual business names, The system further includes an accounting information providing means having a function of providing the accounting information as automated advertising using AI or as big data-converted commercial flow information to a specified financial service providing system separate from trading company-type financial services. Such a configuration makes it possible to effectively utilize the accounting information of businesses that use the accounting system.

[0081] In addition, in the trading company-type financial credit management service provision system of the present invention, the credit information preferably includes the accounts receivable of the business operator as credit information to be used when dividing an applied factoring ST into groups according to credit when the business operator using the accounting system generates the factoring ST. Such a configuration makes it possible to effectively utilize the factoring ST for grouping.

[0082] In addition, the trading company-type financial credit management service provision system of the present invention is preferably further connected to a financial service provision system that provides bank digital currency processing and services using bank accounts, as a specified financial service provision system separate from the trading company-type financial services. Such a configuration makes it possible to further expand the range of financial services that utilize credit information.

[0083] This point will be explained in more detail. If the trading company type financial credit management service provision system of the present invention is configured by connecting it to a financial service provision system of a bank (financial institution), the bank (financial institution) can use the credit information calculated and created in the trading company type financial credit management service provision system to provide loans, etc. In that case, the account of the business opened by the bank (financial institution) is linked to the accounting system. Then, using AI and other technologies provided in the trading company-type financial credit management service provision system of the present invention, loan and hedging sales will be carried out automatically on behalf of banks (financial institutions). In this way, since sales orders are traded through accounts opened by banks (financial institutions) for business operators, incorporating financial functions into the trading company-type financial credit management service provision system of the present invention will also enable financial operations to be carried out in conjunction with accounts opened by banks (financial institutions) for business operators, thereby making it possible to further expand the range of financial services that utilize credit information.

[0084] Therefore, according to the present invention, a trading company-type financial credit management service provision system can be obtained that uses new technologies such as DeFi and WEB 3.0 to enable efficient financial processing for small businesses whose creditworthiness is unclear.

[0085] Hereinafter, an embodiment of the present invention will be described with reference to the drawings as appropriate. First embodiment FIG. 1 is a block diagram conceptually showing the overall configuration of a trading company-type financial credit management service providing system according to a first embodiment of the present invention. The trading company type financial credit management service providing system 1 of this embodiment includes multiple non-cloud type accounting systems 40 1 ~40 n (where n is a positive integer) and non-cloud accounting system 40 1 ~40 n (where n is a positive integer) and an accounting data integration system 41 connected to a network, and has a credit information calculation / creation means 11, a credit information encryption means 12, a credit information transmission means 13, an accounting data integration means 14, a credit information utilization request acceptance means 15, a credit information utilization approval acceptance means 16, a credit information decryption means 17, a wallet means 18, a loan / insurance cost reduction means 19, an asset management means 20, a digital contract assistance means 21, a credit information provision means 22, and an accounting information provision means 23, and is configured to be connected to a trading company-type financial service provision system 60.

[0086] Furthermore, the trading company-type financial credit management service providing system 1 of this embodiment is configured to be connected to a predetermined financial service providing system 61 separate from trading company-type financial services. Examples of the predetermined financial service providing system 61 separate from trading company-type financial services include a financial service providing system that provides digital currency processing for banks and services using bank accounts.

[0087] The credit information calculation and creation means 11 is, for example, a non-cloud accounting system 40 as shown in FIG. 1 ~40 n (n is a positive integer) 50 businesses that use the non-cloud accounting system 1 ~50 n (n is a positive integer) and is configured to have a function of calculating and creating credit information for the business using at least accounting data such as financial information. In addition, the credit information calculation / creation means 11 is configured to have a function of constantly revising the credit information of the business operator in accordance with information such as the evaluation of the business operator in transactions and the status of the business operator's accounts receivable, in addition to accounting data such as the business operator's financial information. In addition, the credit information calculation / creation means 11 is configured to have the function of calculating / creating credit information by further incorporating the creditworthiness of payments, such as whether payments are always made without problems, as processing information related to the payments of the business operator in question. Moreover, the credit information calculation / creation means 11 is configured to have a function of calculating / creating credit information of the business operator by further incorporating the asset strength and collateral strength of the business operator. Moreover, the credit information calculation / creation means 11 is configured to have a function of calculating / creating credit information for each business by further incorporating the evaluation of the business constituting the group described below.

[0088] In this way, in the trading company type financial credit management service providing system 1 of this embodiment, the non-cloud type accounting system 40 1 ~40 n (where n is a positive integer) 1 ~50 nThe credit information of (n is a positive integer) is calculated by the credit information calculation / creation means 11 using accounting data such as the financial information of the business, the evaluation of the business in transactions, information such as the status of the business in handling accounts receivable, the creditworthiness of the business in settlement, the asset strength and collateral strength of the business, and the evaluation of the business entities constituting the organization.

[0089] In addition, the credit information in the trading company type financial credit management service providing system 1 of this embodiment includes the non-cloud type accounting system 40 1 ~40 n (where n is a positive integer) 1 ~50 n When generating an applied factoring ST (where n is a positive integer), it is preferable to include accounts receivable as credit information to be used when dividing the factoring ST into groups according to credit.

[0090] In addition to the rating calculated by the credit information calculation / creation means 11, the credit information in the trading company-type financial credit management service provision system 1 of this embodiment is composed of accounting data such as the financial information of the business used in calculating the rating, the evaluation of the business in transactions, information such as the status of the business in accounts receivable, the creditworthiness of the business in settlement, the asset strength and collateral strength of the business, and the evaluation of the business members constituting the group, etc. The accounting data such as the financial information of the business used in calculating the rating is recorded in a specified credit information management area.

[0091] The credit information encryption means 12 is configured to have a function of encrypting the credit information of the business entity calculated and created by the credit information calculation and creation means 11, for example, as shown in FIG.

[0092] The credit information transmission means 13 is configured to have a function of transmitting the credit information of the business operator encrypted by the credit information encryption means 12 to the accounting data integration system 41, for example, as shown in FIG.

[0093] The accounting data integrating means 14 is configured to have a function of integrating the credit information of the business operator transmitted by the credit information transmitting means 13 in an accounting data integrating system 41, for example, as shown in FIG.

[0094] The credit information utilization request receiving means 15 is, for example, a non-cloud accounting system 40 as shown in FIG. 1 ~40 n (where n is a positive integer) 1 ~50 n (where n is a positive integer), in order to provide trading company-type financial services such as fund raising, hedging, use of insurance, and confirmation of other commercial transactions (via trading company-type financial service provision system 60), the system is configured to have the function of accepting a request to use the credit information of the business operator from a party who wishes to use the credit information of the business operator encrypted by credit information encryption means 12.

[0095] For example, as shown in FIG. 7, when the credit information use request receiving means 15 receives a request for credit information use from a party who wishes to use the credit information, the credit information use approval receiving means 16 receives a request for credit information use from the party who wishes to use the credit information. 1 ~40 n (where n is a positive integer) 1 ~50 n (where n is a positive integer) and is configured to have a function of accepting an operation to approve the use of the credit information of the business operator. In addition, the credit information use approval acceptance means 16 is a non-cloud type accounting system 40 1 ~40 n (where n is a positive integer) 1 ~50 n (n is a positive integer) to a predetermined financial service providing system 61 other than the trading company type financial service.

[0096] The credit information decryption means 17, for example, as shown in FIG. 8, detects whether the credit information use approval acceptance means 16 is connected to a non-cloud type accounting system 40 1 ~40 n (where n is a positive integer) 1 ~50 n (where n is a positive integer), when an approval operation for the use of the business's credit information is received, the business's credit information encrypted by the credit information encryption means 12 is configured to have the function of decrypting the business's credit information.

[0097] The wallet means 18 may be, for example, a non-cloud accounting system 40 as shown in FIG. 1 ~40 n (where n is a positive integer) 1 ~50 n (where n is a positive integer) is configured to manage digital assets owned by the user in a wallet-like manner and have the ability to evaluate their current values.

[0098] The loan and insurance cost reduction means 19 is configured to have the function of reducing the costs of loans and insurance in trading company-type financial services by using digital assets managed by the wallet means 18 as collateral, for example, as shown in FIG. 10.

[0099] The asset management means 20 is configured to have an asset management function, for example, as shown in FIG. 11, including a function such as portfolio management and a function for providing advice on optimal portfolio composition, hedging, and the like. In addition, the asset management means 20 is configured with functions capable of handling collateral setting and settlement processing, such as managing digital assets and currency stable coins.

[0100] For example, as shown in FIG. 12, when multiple businesses constituting an organization jointly receive trading company-type financial credit management services from the trading company-type financial credit management service provision system 1, the digital contract assistance means 21 is configured to have the function of assisting in the conclusion of a digital contract (NFT-like token) in which a specified business that is a member of the organization provides credit to a business that lacks credit.

[0101] The credit information providing means 22, for example, as shown in FIG. 13, is a non-cloud type accounting system 40 in which the credit information use approval receiving means 16 1 ~40 n (where n is a positive integer) 1 ~50 n When an approval operation is received for the provision of the credit information of the business operator according to the method of the credit information calculation / creation means 11 (where n is a positive integer) to a specified financial service provision system 61 other than the trading company-type financial services, the credit information of the business operator calculated and created by the credit information calculation / creation means 11 is configured to have the function of providing the credit information of the business operator calculated and created by the credit information calculation / creation means 11 to a specified financial service provision system 61 other than the trading company-type financial services. In addition, when the credit information providing means 22 provides credit information of a business using the accounting system to a specified financial service providing system 61 other than a trading company-type financial service, the means 22 is further configured to have a function of proposing to the business providing the credit information a reduction or waiver of the usage fee for the trading company-type financial credit management service providing system 1, conditional on the analysis of the accounting information or the usage fee.

[0102] The accounting information providing means 23 is configured to have the function of providing accounting information, which is information analyzed as business attributes rather than individual business names, to a specified financial service providing system 61 separate from trading company-type financial services as automated advertising using AI or as big data-converted commercial flow information, as shown in Figure 14, for example.

[0103] In addition, the credit information decryption means 17, wallet means 18, loan and insurance cost reduction means 19, asset management means 20, digital contract assistance means 21, credit information providing means 22, and accounting information providing means 23 are configured with, for example, AI or algorithms.

[0104] The trading company type financial service providing system 60 is configured to have the function of providing trading company type financial services such as fund raising, hedging, use of insurance, and confirmation of other commercial transactions.

[0105] Processing flow using the trading company type financial credit management service providing system of the first embodiment The flow of processing using the trading company-type financial credit management service providing system 1 of the first embodiment having the above-mentioned configuration will be described with reference to Figs.

[0106] (S11) Calculation, creation, encryption, transmission, and integration of credit information using accounting data from the accounting system (Fig. 15) Business operators 50 1 ~50 n (where n is a positive integer) is a non-cloud accounting system 40 1 ~40 n (where n is a positive integer) is used to record accounting data such as financial information that arises in everyday business transactions. The credit information calculation and creation means 11 is a means for calculating and creating credit information for a business entity 50 that uses the non-cloud accounting system. 1 ~50 n (where n is a positive integer) financial information, as well as the evaluation of the business in its transactions, information on the status of the business in its accounts receivable, the business's creditworthiness in payment, the business's asset strength and collateral strength, and the evaluation of the business entities that make up the organization are used to calculate and create credit information for the business. The credit information encryption means 12 encrypts the credit information of the business operator calculated and created by the credit information calculation and creation means 11. The credit information transmitting means 13 transmits the credit information of the business operator encrypted by the credit information encrypting means 12 to the accounting data integration system 41. The accounting data integration means 14 integrates the credit information of the business in question transmitted by the credit information transmission means 13 in the accounting data integration system 41 .

[0107] (S12) Receiving a request for use of credit information from a party to which trading-type financial services are provided - Receiving approval for use of credit information by a business using the accounting system - Decrypting the credit information (Figure 16) The credit information utilization request receiving means 15 is a non-cloud type accounting system 40 1 ~40 n (where n is a positive integer) 1 ~50 n (where n is a positive integer), in order to provide trading company-type financial services such as fund raising, hedging, use of insurance, and confirmation of other commercial transactions (via trading company-type financial service provision system 60), the means accepts requests to use the credit information of the business operator from parties who wish to use the credit information of the business operator encrypted by credit information encryption means 12. When the credit information use request receiving means 15 receives a request for credit information use from a party who wishes to use the credit information, the credit information use approval receiving means 16 receives the request for credit information use from the party who wishes to use the credit information. 1 ~40 n (where n is a positive integer) 1 ~50 n (where n is a positive integer) to consent to the use of the business's credit information. The credit information use approval acceptance means 16 is a non-cloud accounting system 40 1 ~40 n (where n is a positive integer) 1 ~50 n (n is a positive integer) to a predetermined financial service providing system 61 other than the trading company type financial service. The credit information decryption means 17 detects whether the credit information use approval acceptance means 16 is connected to the non-cloud accounting system 40. 1 ~40 n (where n is a positive integer) 1 ~50 n When an operation for approving the use of the credit information of the business by n (where n is a positive integer) is accepted, the credit information of the business encrypted by the credit information encryption means 12 is decrypted. This makes it possible for parties wishing to use the credit information of the business operator to use it in order to provide trading company-type financial services such as fund raising, hedging, use of insurance, and confirmation of other commercial transactions (via trading company-type financial service provision system 60).

[0108] In the case of fund raising, for example, by providing the system with an interest rate table (not shown) that records interest rates according to ratings, the lending interest rate for the rating as credit information decoded by the credit information decoding means 17 is automatically determined based on the interest rate table. When conducting business with a counterparty, accounts receivable and the like will occur. Credit information is used to determine the acceptable risk of accounts receivable and the like with respect to the counterparty. In addition, when purchasing some kind of product, such as materials, from a counterparty, by recording the counterparty's transaction information and any complaints or problems in the transaction as big data, it can be used as reference information for the reliability of the transaction. Only when a business operator decides that it is acceptable to disclose this credit information to the counterparty will the credit information be decrypted and provided to the counterparty.

[0109] (S13) Various processes for providing trading-type financial services using the available credit information (Figure 17) (S13-1) Market value assessment of digital assets owned by businesses (Figure 17) The wallet means 18 is connected to a non-cloud accounting system 40 1 ~40 n (where n is a positive integer) 1 ~50 n (where n is a positive integer) will manage the digital assets owned by the user in a wallet-like manner and evaluate their current values.

[0110] (S13-2) Reducing the cost of loans and insurance in trading-type financial services secured by digital assets (Figure 17) The loan and insurance cost reduction means 19 reduces the costs of loans and insurance in trading company-type financial services by using the digital assets managed by the wallet means 18 as collateral.

[0111] (S13-3) Portfolio management, advice on optimal portfolio composition and hedging, etc. (Figure 17) The asset management means 20 manages the portfolio and also provides advice on the optimal portfolio composition and hedging. For the portfolio, surplus funds can be known regardless of credit. Therefore, in this invention, the function of giving portfolio advice means a function of proposing fund management according to the amount of risk within the scope of surplus funds. Note that actions such as advice are considered solicitation when performed by a human, but when performed by a system such as an algorithm or AI, they are treated as advertising, which makes it easier to comply with legal regulations. Regarding hedging, for example, the accounting system 1 ~40 n (n is a positive integer) from the accounting data input by the business operator, for example, the raw materials purchased by the business operator and their amount (e.g., 1 ton of zinc for plating), the amount of the raw materials used per month (e.g., 10% per month), and the frequency and timing of replenishing the amount of the raw materials used (e.g., not replenishing the amount used each time) can be known. In addition, the trading company-type financial credit management service providing system 1 can know the timing of hedging, such as buying the amount of the raw materials used and selling the raw materials when the raw materials become excessively expensive, by receiving information on hedging performed by the trading company via the trading company-type financial service 60 connected thereto. Therefore, the asset management means 20 uses an algorithm or AI to calculate a hedge rate at an appropriate time based on the information and the inventory status of the raw materials at the time, and automatically gives advice such as presenting the calculated hedge rate to the business operator, who is the customer. In addition, the asset management means 20 also provides hedging advice for insurance contracts. For example, if the AI ​​or other device determines that a price fluctuation risk has occurred in raw materials in stock and that it would be better to take out non-life insurance, the asset management means 20 automatically provides non-life insurance contract advice together with the reasons. The asset management means 20 may be configured to automatically provide advice for financing based on the inventory status of raw materials, for example.

[0112] (S13-4) Asset management capable of handling collateral setting and settlement processing (Figure 17) In addition, the asset management means 20 manages assets, such as managing digital assets and currency stable coins, so as to be able to handle collateral setting and settlement processing.

[0113] (S13-5) Assistance in concluding digital contracts (NFT-like tokens) (Figure 18) When multiple businesses that make up an organization jointly receive trading company-type financial credit management services from the trading company-type financial credit management service provision system 1, the digital contract assistance means 21 assists in the conclusion of a digital contract (NFT-like token) in which a specified business that is a member of the organization provides credit to a business that lacks credit.

[0114] (S13-6) Provision of credit information (Figure 18) The credit information providing means 22 is configured to receive credit information from the non-cloud accounting system 40. 1 ~40 n (where n is a positive integer) 1 ~50 n When an approval operation is received for the provision of the credit information of the business operator by the credit information calculation / creation means 11 (where n is a positive integer) to a specified financial service provision system 61 separate from the trading company-type financial services, the credit information of the business operator calculated and created by the credit information calculation / creation means 11 is provided to the specified financial service provision system 61 separate from the trading company-type financial services. In addition, when the credit information providing means 22 provides credit information of a business using the accounting system to a specified financial service providing system 61 other than trading company-type financial services, it proposes to the business providing the credit information a reduction or waiver of the usage fee for the trading company-type financial credit management service providing system 1 or the usage fee, conditional on an analysis of the accounting information.

[0115] (S13-7) Provision of accounting information (Figure 18) The accounting information providing means 23 provides accounting information, which is information analyzed as business attributes rather than individual business names, to a specified financial service providing system 61, separate from trading company-type financial services, as automated advertising using AI or as big data-converted commercial flow information.

[0116] Effects of the trading company-type financial credit management service provision system of the first embodiment According to the trading company type financial credit management service providing system 1 of the first embodiment, the non-cloud type accounting system 40 1 ~40 n (n is a positive integer) 50 businesses that use the non-cloud accounting system 1 ~50 na credit information calculation / creation means for calculating and creating credit information using at least accounting data such as financial information of the business operator of the cloud-based accounting system (where n is a positive integer); a credit information encryption means for encrypting the credit information of the business operator calculated and created by the credit information calculation / creation means; a credit information transmission means for transmitting the credit information of the business operator encrypted by the credit information encryption means to an accounting data integration system; and an accounting data integration means for integrating the credit information of the business operator transmitted by the credit information transmission means in the accounting data integration system. the credit information usage request receiving means 15 having a function of receiving a request for credit information usage from a party wishing to use the business's credit information, credit information usage consent receiving means 16 having a function of receiving an approval operation for the use of the business's credit information by the business using the non-cloud-based accounting system when the credit information usage consent receiving means 15 receives a request for credit information usage from a party wishing to use the business's credit information, and credit information decryption means 17 having a function of decrypting the business's credit information encrypted by the credit information encryption means 12 when the credit information usage consent receiving means 16 receives an approval operation for the use of the credit information by the business using the non-cloud-based accounting system. Therefore, the credit management of small business operators such as small and medium-sized enterprises, which has traditionally been mainly carried out by banks, can be improved in efficiency and profitability by calculating and creating credit information from the accounting system used by the business and managing it in the system, unlike the conventional management of credit information by banks on paper, which is cost-unprofitable. In addition, the system will be able to automatically handle trading company-type financial processing, something that banks and other financial institutions have struggled to do. In addition, it will become possible to efficiently obtain credit information on small businesses such as SMEs, and to effectively provide funds to small businesses. Even in Japan, where indirect finance is the norm, new technologies such as DeFi and Web 3.0 can be used to efficiently utilize credit information and carry out trading company-style financial processing. Furthermore, since the encrypted credit information cannot be used unless the business using the accounting system gives its consent, the number of parties using the credit information for the business using the accounting system can be kept to a minimum, preventing unnecessary information leaks.

[0117] In addition, according to the trading company type financial credit management service providing system 1 of this embodiment, the non-cloud type accounting system 40 1 ~40 n (where n is a positive integer) 1 ~50 n The system further comprises wallet means 18 having a function of managing digital assets owned by a trading company (where n is a positive integer) in a wallet-like manner and performing a market valuation of the digital assets, and loan / insurance cost reduction means 19 having a function of reducing the costs of loans and insurance in trading company-type financial services by using the digital assets managed by the wallet means 18 as collateral.By performing a market valuation of digital assets owned by businesses using the accounting system, it is possible to easily apply the digital assets as collateral for loans and insurance. In addition, by using digital assets as collateral to reduce the costs of loans and insurance in trading-type financial services, it is possible to make it easier to process loans and insurance in trading-type financial services using digital assets as collateral. This point will be explained in more detail. Trading company finance is not about money flow finance, but about commerce flow finance. Trading company financial services include alternative financial services (a variety of fund formats such as middle risk, middle return, etc.), but for example, there are financial services for businesses that trade on credit in order to monetize the time difference in transaction settlement through arbitrage. Examples of such financial services include making advance payments for accounts receivable and extending payment dates. Normally, financial institutions would set upper limits on payment amounts and interest rates for such financial services based on rating information, and would then process the transactions by adding on fees. However, according to the trading company-type financial credit management service providing system 1 of this embodiment, the system is configured to include wallet means 18 having a function of performing market value evaluation, and loan and insurance cost reduction means 19 having a function of reducing the costs of loans and insurance in trading company-type financial services by using the digital assets managed by the wallet means 18 as collateral. By automating this function, the processing of such financial services can be made significantly more efficient, and fee costs can be reduced.

[0118] Furthermore, according to the trading company-type financial credit management service provision system 1 of this embodiment, the credit information calculation / creation means 11 is configured to have a function of constantly revising the credit information of the business operator using the accounting system in accordance with information such as the business operator's evaluation in transactions and the business operator's account receivable status, in addition to accounting data such as financial information of the business operator, thereby making it possible to improve the accuracy of the credit information.

[0119] Furthermore, according to the trading company-type financial credit management service provision system 1 of this embodiment, the system is further configured to include an asset management means 20 having an asset management function that includes functions such as portfolio management and a function for providing advice on optimal portfolio composition and hedging, etc., so that information can be obtained for optimal asset formation and management according to credit.

[0120] Furthermore, according to the trading company-type financial credit management service provision system 1 of this embodiment, the asset management means 20 is configured with functions capable of handling collateral setting and settlement processing, such as management of digital assets and currency stable coins, and is therefore capable of handling a wide range of financial processing.

[0121] Furthermore, according to the trading company-type financial credit management service provision system 1 of this embodiment, the credit information calculation / creation means 11 is configured to have the function of calculating / creating credit information for a business entity using the accounting system by further incorporating the creditworthiness of the payment, such as whether or not the payment is always made without any problems, as processing information related to the payment of the business entity, thereby further improving the accuracy of the credit information.

[0122] Furthermore, according to the trading company-type financial credit management service provision system 1 of this embodiment, the credit information calculation / creation means 11 is configured to have a function of calculating / creating credit information for a business operator using the accounting system by further incorporating the asset strength and collateral strength of the business operator, thereby further improving the accuracy of the credit information.

[0123] Furthermore, according to the present embodiment of the trading company-type financial credit management service provision system 1, when multiple businesses constituting an organization jointly receive trading company-type financial credit management services from the trading company-type financial credit management service provision system 1, the system is further configured to have a digital contract assistance means 21 that has the function of assisting a specified business that is a member of the organization in concluding a digital contract (NFT-like token) in which credit is provided to a business that lacks credit. This can contribute to mutual support between businesses that constitute an organization such as a chamber of commerce when they share the trading company-type financial credit management service provision system 1.

[0124] This point will be explained in more detail. For businesses with poor financial statements and no profits, quantitative indicators will not calculate or create good credit rating data. However, for businesses with a long history, businesses that are absolutely necessary in the region, or businesses that are expected to be necessary in the future, qualitative indicators such as future potential, rather than numerical values, are needed. However, when it comes to credit information for businesses that require qualitative indicators, banks use quantitative indicators and cannot evaluate using qualitative indicators. On the other hand, local chambers of commerce and local governments may be able to accurately recognize the need for qualitative indicators. However, according to the present embodiment, the trading company-type financial credit management service provision system 1 is configured to have a digital contract assistance means 21, so that the credit of businesses that carry out businesses necessary to the region as described above can be guaranteed by surrounding companies, etc., which makes it possible to facilitate fundraising, and by entering into individual loan contracts using assets such as digital rights as collateral or by guaranteeing loans, it is possible to contribute to mutual support between businesses.

[0125] Furthermore, according to the trading company-type financial credit management service provision system 1 of this embodiment, the credit information calculation / creation means 11 is configured to have a function of further incorporating evaluations of businesses that make up an organization that jointly receives the provision of trading company-type financial credit management services from the trading company-type financial credit management service provision system 1, and calculating / creating credit information for the businesses. Therefore, when the trading company-type financial credit management service provision system 1 is shared by businesses that make up an organization such as a chamber of commerce, the accuracy of credit information can be improved.

[0126] In addition, according to the trading company type financial credit management service providing system 1 of this embodiment, the credit information use approval receiving means 16 is a non-cloud type accounting system 40 1 ~40 n (where n is a positive integer) 1 ~50 n (where n is a positive integer) to a predetermined financial service providing system 61 other than the trading company type financial service, and further, the credit information use consent receiving means 16 has a function of accepting a consent operation for providing the credit information of the relevant business operator based on the above (where n is a positive integer) to a predetermined financial service providing system 61 other than the trading company type financial service, 1 ~40 n (where n is a positive integer) 1 ~50 n(where n is a positive integer) to a specified financial service providing system 61 other than trading company-type financial services, the system is configured to have a credit information providing means 22 that has the function of providing the credit information of the business operator calculated and created by the credit information calculation / creation means 11 to the specified financial service providing system 61 other than trading company-type financial services, thereby expanding the range of financial services that utilize credit information.

[0127] Furthermore, according to the present embodiment of the credit management service provision system 1 for trading company-type finance, when the credit information provision means 22 provides credit information of businesses using the accounting system to a specified financial service provision system 61 separate from trading company-type financial services, it is further configured to have a function of proposing to the business providing the credit information a reduction or waiver of the usage fee for the credit management service provision system 1 for trading company-type finance, conditional on an analysis of the usage fee or accounting information, thereby reducing the costs of loans, insurance, etc. for businesses using the accounting system and making accounting processing more efficient from an economic perspective.

[0128] This point will be explained in more detail. For example, if a hedge is analyzed based on the credit information of a business using an accounting system, and a hedge service based on the analysis is proposed to the business and a contract is concluded, the hedge service provider can make a profit. Therefore, the hedge service provider who uses the business's credit information can be asked to return a part of the profit gained from the use of the credit information to the accounting system as a fee. As with hedging, the service provider can also return a part of the profit gained from the use of the credit information to the accounting system as a fee. In this way, the accounting system can be monetized through commission returns to service providers, such as hedging, rather than through usage fees charged to customers (businesses), and by being able to monetize, it becomes possible to reduce the fees for using the accounting system. However, according to this embodiment of the credit management service provision system for trading company-type finance 1, when the credit information providing means 22 provides credit information of businesses using the accounting system to a specified financial service provision system 61 separate from trading company-type financial services, it is further configured to have a function of proposing to the business that is the provider of the credit information a reduction or waiver of the usage fee for the credit management service provision system for trading company-type finance 1, conditional on analysis of the usage fee or accounting information.As a result, for example, the monthly usage fee can be reduced or waived, and the number of businesses using the accounting system can be increased.

[0129] Furthermore, according to the trading company-type financial credit management service provision system 1 of this embodiment, accounting information is information analyzed as business attributes rather than as individual business names, and the system is further configured to include accounting information provision means 23 having a function of providing the accounting information to a specified financial service provision system 61 separate from the trading company-type financial service as automated advertising using AI or as big data-converted commercial flow information, thereby making it possible to effectively utilize the accounting information of businesses using the accounting system.

[0130] Furthermore, according to the present embodiment of the credit management service provision system 1 for trading company-type finance, when a business using the accounting system generates an applied factoring ST, the credit information is configured to include the accounts receivable of the business as credit information to be used when dividing the factoring ST into groups according to credit, and therefore can be effectively utilized for dividing the factoring ST into groups.

[0131] Furthermore, according to the trading company-type financial credit management service provision system 1 of this embodiment, it is further configured to be connected to a financial service provision system that provides bank digital currency processing and services using bank accounts, as a specified financial service provision system 61 separate from the trading company-type financial services, thereby further expanding the range of financial services that utilize credit information.

[0132] This point will be explained in more detail. Since the trading company type financial credit management service providing system 1 of this embodiment is configured to be connected to a financial service providing system of a bank (financial institution), the bank (financial institution) can provide loans, etc. by utilizing the credit information calculated and created in the trading company type financial credit management service providing system 1. In this case, the accounting system 40 1 ~40 n (where n is a positive integer) is linked to the account of the business opened by the bank (financial institution). Then, the AI ​​and the like provided in the trading company-type financial credit management service providing system 1 of this embodiment will automatically conduct loan and hedge sales on behalf of banks (financial institutions). In this way, since sales orders are traded through accounts opened by banks (financial institutions) for business operators, incorporating financial functions into the trading company-type financial credit management service provision system 1 of this embodiment will also enable financial operations to be carried out in conjunction with accounts opened by banks (financial institutions) for business operators, thereby further expanding the range of financial services that utilize credit information.

[0133] Therefore, according to this embodiment, a trading company-type financial credit management service provision system is obtained that uses new technologies such as DeFi and WEB 3.0 to enable efficient financial processing for small businesses whose creditworthiness is unclear.

[0134] Second embodiment FIG. 19 is a block diagram conceptually showing the overall configuration of a trading company-type financial credit management service providing system according to the second embodiment of the present invention. The trading company-type financial credit management service provision system 1' of this embodiment is constructed with a cloud-type accounting system 42, and has a credit information calculation / creation means 11', a credit information encryption means 12, a credit information use request receiving means 15', a credit information use approval receiving means 16', a credit information decryption means 17', a wallet means 18', a loan / insurance cost reduction means 19, an asset management means 20, a digital contract assistance means 21, a credit information provision means 22' and an accounting information provision means 23, and is configured to be connected to a trading company-type financial service provision system 60. Furthermore, the trading company-type financial credit management service providing system 1' of this embodiment is configured to be connected to a predetermined financial service providing system 61 separate from trading company-type financial services. Examples of the predetermined financial service providing system 61 separate from trading company-type financial services include a financial service providing system that provides digital currency processing for banks and services using bank accounts. The credit information encryption means 12, loan and insurance cost reduction means 19, asset management means 20, digital contract support means 21, and accounting information provision means 23 are configured to have substantially the same functions as those in the trading company-type financial credit management service provision system 1 of the first embodiment.

[0135] The credit information calculation and creation means 11' receives, for example, as shown in FIG. 20, the credit information of the business operators 50 who use the cloud-type accounting system 42, which is uploaded and updated on the cloud-type accounting system 42 via input from each terminal connected to the network. 1 ~50 n (where n is a positive integer) and is configured to have a function of calculating and creating credit information for the business using at least accounting data such as financial information. Further, the credit information calculation / creation means 11' is configured to have the following functions, substantially similar to the credit information calculation / creation means 11 in the trading company-type financial credit management service providing system of the first embodiment. A function that constantly modifies the credit information of a business using the accounting system based on accounting data such as financial information of the business, as well as the business's evaluation of transactions and the business's status of accounts receivable. A function to calculate and create credit information for businesses that use the accounting system by further incorporating the reliability of payments, such as whether payments are always made without any problems, into the processing information related to payments made by the business. A function to calculate and create credit information for businesses using the accounting system by further incorporating the assets and collateral strength of the businesses. A function for calculating and creating credit information of businesses by further incorporating evaluations of businesses constituting an organization that jointly receives the provision of credit management services for trading company-type finance by the trading company-type finance credit management service provision system 1'.

[0136] The credit information utilization request receiving means 15′ receives, for example, a request from a business entity 50 that utilizes a cloud-based accounting system 42, as shown in FIG. 1 ~50 n (where n is a positive integer), in order to provide trading company-type financial services such as fund raising, hedging, use of insurance, and confirmation of other commercial transactions (via trading company-type financial service provision system 60), the system is configured to have the function of accepting a request to use the credit information of the business operator from a party who wishes to use the credit information of the business operator encrypted by credit information encryption means 12.

[0137] For example, as shown in FIG. 22, when the credit information use request receiving means 15′ receives a request for credit information use from a party who wishes to use the credit information, the credit information use approval receiving means 16′ receives a request for credit information use from a business entity 50 using the cloud-based accounting system 42. 1 ~50 n (where n is a positive integer) and is configured to have a function of accepting an operation to approve the use of the credit information of the business operator. In addition, the credit information use approval receiving means 16′ is a service provided by a business operator 50 using the cloud-based accounting system 42. 1 ~50 n (n is a positive integer) to a predetermined financial service providing system 61 other than the trading company type financial service.

[0138] The credit information decryption means 17', for example, as shown in FIG. 23, receives the credit information usage approval acceptance means 16' from a business entity 50 that uses the cloud-based accounting system 42. 1 ~50 n (where n is a positive integer), when an approval operation for the use of the business's credit information is received, the business's credit information encrypted by the credit information encryption means 12 is configured to have the function of decrypting the business's credit information.

[0139] The wallet means 18' is, for example, as shown in FIG. 24, a business entity 50 that uses a cloud-based accounting system 42. 1 ~50 n (where n is a positive integer) is configured to manage digital assets owned by the user in a wallet-like manner and have the ability to evaluate their current values.

[0140] For example, as shown in FIG. 25, the credit information providing means 22′ is a means for accepting credit information use consent received by a credit information use consent receiving means 16′ for a business entity 50 that uses a cloud-based accounting system 42. 1 ~50 n (where n is a positive integer) to a specified financial service providing system 61 other than the trading company-type financial services, the credit information of the business operator calculated and created by the credit information calculation / creation means 11' is configured to have the function of providing the credit information of the business operator calculated and created by the credit information calculation / creation means 11' to the specified financial service providing system 61 other than the trading company-type financial services. In addition, when the credit information providing means 22' provides credit information of a business using the accounting system to a specified financial service providing system 61 other than a trading company-type financial service, the credit information providing means 22' is further configured to have a function of proposing to the business providing the credit information a reduction or waiver of the usage fee for the trading company-type financial credit management service providing system 1', conditional on an analysis of the accounting information or the usage fee.

[0141] Processing flow using the trading company type financial credit management service providing system of the second embodiment The flow of processing using the trading company-type financial credit management service providing system 1' of the second embodiment having the above-mentioned configuration will be described with reference to Figs. 26 to 29.

[0142] (S21) Calculation, creation, encryption, transmission, and integration of credit information using accounting data from the accounting system (Figure 26) Business operators 50 1 ~50 n (where n is a positive integer) uses a cloud-based accounting system 42 to record accounting data such as financial information generated in everyday business transactions. The credit information calculation and creation means 11' calculates and creates credit information for businesses 50 using the cloud-based accounting system 42, which is uploaded and updated on the cloud-based accounting system 42 through input from individual terminals connected to the network. 1 ~50 n (where n is a positive integer) financial information, as well as evaluation of the business in its transactions, information on the status of the business in its accounts receivable, the business's creditworthiness in payment, the business's asset strength and collateral strength, and evaluations of each business that makes up the organization are used to calculate and create credit information for the business. The credit information encryption means 12 encrypts the credit information of the business operator calculated and created by the credit information calculation and creation means 11'.

[0143] (S22) Receiving a request for use of credit information from a party to which a trading company-type financial service is provided - Receiving approval for use of credit information by a business using the accounting system - Decrypting the credit information (Figure 27) The credit information utilization request receiving means 15′ receives a request from a business operator 50 using the cloud-based accounting system 42. 1 ~50 n (where n is a positive integer), in order to provide trading company-type financial services such as fund raising, hedging, use of insurance, and confirmation of other commercial transactions (via trading company-type financial service provision system 60), the means accepts requests to use the credit information of the business operator from parties who wish to use the credit information of the business operator encrypted by credit information encryption means 12. When the credit information use request receiving means 15′ receives a request for credit information use from a party who wishes to use the credit information, the credit information use approval receiving means 16′ receives a request for credit information use from a party who wishes to use the credit information. 1 ~50 n (where n is a positive integer) to consent to the use of the business's credit information. The credit information use approval receiving means 16' is a service provided by a business operator 50 using the cloud-based accounting system 42. 1 ~50 n (n is a positive integer) to a predetermined financial service providing system 61 other than the trading company type financial service. The credit information decryption means 17' is a means for receiving credit information use approval from the credit information use approval receiving means 16'. 1 ~50 n When an operation for approving the use of the credit information of the business by n (where n is a positive integer) is accepted, the credit information of the business encrypted by the credit information encryption means 12 is decrypted. This makes it possible for parties wishing to use the credit information of the business operator to use it in order to provide trading company-type financial services such as fund raising, hedging, use of insurance, and confirmation of other commercial transactions (via trading company-type financial service provision system 60).

[0144] (S23) Various processes for providing trading-type financial services using the available credit information (Figure 28) (S23-1) Market value assessment of digital assets owned by businesses (Figure 28) The wallet means 18' is a wallet for a business operator 50 who uses the cloud-based accounting system 42. 1 ~50 n (where n is a positive integer) will manage the digital assets owned by the user in a wallet-like manner and evaluate their current values.

[0145] (S23-2) Reducing the cost of loans and insurance in trading-type financial services secured by digital assets (Figure 28) The loan and insurance cost reduction means 19 reduces the loan and insurance costs in trading company-type financial services by using the digital assets managed by the wallet means 18' as collateral.

[0146] (S23-3) Portfolio management, advice on optimal portfolio composition and hedging, etc. (Figure 28) The asset management means 20 manages the portfolio and also provides advice on the optimal portfolio composition and hedging.

[0147] (S23-4) Asset management capable of handling collateral setting and settlement processing (Figure 28) In addition, the asset management means 20 manages assets, such as managing digital assets and currency stable coins, so as to be able to handle collateral setting and settlement processing.

[0148] (S23-5) Assistance in concluding digital contracts (NFT-like tokens) (Figure 29) When multiple businesses that make up an organization jointly receive trading company-type financial credit management services from the trading company-type financial credit management service provision system 1', the digital contract assistance means 21 assists in the conclusion of a digital contract (NFT-like token) in which a specified business that is a member of the organization provides credit to a business that lacks credit.

[0149] (S23-6) Provision of credit information (Figure 29) The credit information providing means 22' is a means for accepting credit information use consent, and the credit information use consent accepting means 16' is a means for accepting credit information. 1 ~50 n When an approval operation is received for the provision of the credit information of the business operator according to the method of calculation and creation of credit information calculation and creation means 11' (where n is a positive integer) to a specified financial service provision system 61 other than the trading company-type financial services, the credit information of the business operator calculated and created by the credit information calculation and creation means 11' is provided to the specified financial service provision system 61 other than the trading company-type financial services. In addition, when the credit information providing means 22' provides credit information of a business using the accounting system to a specified financial service providing system 61 other than trading company-type financial services, it proposes to the business providing the credit information a reduction or waiver of the usage fee for the trading company-type financial credit management service providing system 1', on the condition that the usage fee or accounting information is analyzed.

[0150] (S23-7) Provision of accounting information (Figure 29) The accounting information providing means 23 provides accounting information, which is information analyzed as business attributes rather than individual business names, to a specified financial service providing system 61, separate from trading company-type financial services, as automated advertising using AI or as big data-converted commercial flow information.

[0151] Effects of the trading company type financial credit management service provision system of the second embodiment According to the trading company-type financial credit management service providing system 1′ of the second embodiment, the business operators 50 who use the cloud-type accounting system 42 upload and update the credit management information on the cloud-type accounting system 42 through input from each terminal connected to the network. 1 ~50 n a credit information calculation / creation means 11' having a function of calculating / creating credit information of the enterprise by using at least accounting data such as financial information of (n is a positive integer); a credit information encryption means 12 having a function of encrypting the credit information of the enterprise calculated / created by the credit information calculation / creation means 11'; a credit information utilization request receiving means 15' having a function of receiving a request for utilization of the enterprise's credit information encrypted by the credit information encryption means 12 from a party who wishes to utilize the enterprise's credit information in order to provide trading company-type financial services such as fund raising, hedging, utilization of insurance, and confirmation in other commercial transactions (via a trading company-type financial service providing system 60) to enterprises using the cloud-based accounting system 42; When a request is received by the credit information utilization request receiving means 15', the system is configured to include credit information utilization approval receiving means 16' having a function of receiving an approval operation for the use of the business's credit information by the business using the cloud-based accounting system 42, and credit information decryption means 17' having a function of decrypting the business's credit information encrypted by the credit information encryption means 12 when the credit information utilization approval receiving means 16' receives an approval operation for the use of the business's credit information by the business using the cloud-based accounting system 42.Therefore, by using the cloud-based accounting system 42, accounting data such as financial information is uploaded and updated on the cloud, and credit information can be calculated and created periodically via the credit calculation function, thereby improving the reliability of the credit information.

[0152] In addition, according to the trading company type financial credit management service providing system 1′ of the second embodiment, the business operator 50 who uses the cloud type accounting system 42 1 ~50 nThe digital assets owned by the digital asset manager 18' (where n is a positive integer) are managed in a wallet-like manner and have a function of evaluating their current value, and loan and insurance cost reduction means 19 has a function of reducing the costs of loans and insurance in trading company-type financial services by using the digital assets managed by the wallet means 18' as collateral, making it easy to apply the digital assets as collateral for loans and insurance.

[0153] According to the trading company type financial credit management service providing system 1' of the second embodiment, the credit information use approval receiving means 16' receives the credit information from the business operator 50 who uses the cloud type accounting system 42. 1 ~50 n (where n is a positive integer) to a predetermined financial service providing system 61 other than the trading company type financial service, and further, the credit information use consent receiving means 16' has a function of accepting consent operations for providing the credit information of the business operator 50 using the cloud type accounting system 42. 1 ~50 n (where n is a positive integer) to a specified financial service providing system 61 other than trading company-type financial services, the system is configured to have a credit information providing means 22' which has the function of providing the credit information of the business operator calculated and created by the credit information calculation / creation means 11' to the specified financial service providing system 61 other than trading company-type financial services, thereby expanding the range of financial services that utilize credit information. Other effects are substantially the same as those of the trading company-type financial credit management service providing system 1 of the first embodiment.

[0154] The above describes the trading company-type financial credit management service provision system of the present invention using an embodiment, but the trading company-type financial credit management service provision system of the present invention is not limited to the configuration described in the above embodiment, and can be configured in any form within the scope of the claims of the present invention.

[0155] In addition, for example, in the trading company-type financial credit management service provision system 1 of each embodiment, in a financial service provision system that provides bank digital currency processing or services using bank accounts as a predetermined financial service provision system separate from the trading company-type financial services, rating data calculated by financial institutions such as banks when providing loans may be configured to be used as credit information together with the rating calculated and created by the credit information calculation and creation means 11 (11') provided in the trading company-type financial credit management service provision system 1. Alternatively, the accounting system 40 1 ~40 n The rating data calculated by (42) may be stored for multiple generations, so that past rating data for the business operator can be referenced. [Industrial Applicability]

[0156] The credit management service provision system for trading company-type finance of the present invention is useful in fields where efficient financial processing is required for small businesses using new technologies such as DeFi and Web 3.0. [Explanation of symbols]

[0157] 1.1' Credit management service provision system for trading company type finance 11, 11' Credit information calculation / creation method 12. Credit Information Encryption Method 13. Means of transmitting credit information 14 Accounting data integration methods 15, 15' Means for accepting requests for credit information use 16, 16' Means for accepting approval of credit information use 17, 17' Credit information decoding means 18, 18' Wallet Means 19 Financing and insurance cost reduction measures 20 Asset Management Tools 21 Digital contractual assistance 22, 22' Credit information provision methods 23 Means of providing accounting information 40 1 ~40 nNon-cloud accounting system 41 Accounting Data Integration System 42 Cloud-based accounting system 50 1 ~50 n Businesses (using non-cloud-based accounting systems or cloud-based accounting systems) 60 Trading Company Type Financial Service Provider System 61. Financial services provision system other than trading company type financial services

Claims

1. A trading company type financial credit management service providing system that is constructed by including a plurality of non-cloud type accounting systems and an accounting data integration system that is connected to the non-cloud type accounting systems through a network, and is connected to a trading company type financial service providing system, a credit information calculation / creation means provided in the non-cloud accounting system, the credit information calculation / creation means having a function of calculating / creating credit information of a business using the non-cloud accounting system by using at least accounting data such as financial information of the business; a credit information encryption means having a function of encrypting the credit information of the business entity calculated and created by the credit information calculation and creation means; a credit information transmission means having a function of transmitting the credit information of the business operator encrypted by the credit information encryption means to the accounting data integration system; In the accounting data integration system, an accounting data integration means having a function of integrating the credit information of the business entity transmitted by the credit information transmission means; a credit information utilization request receiving means having a function of receiving a request for utilization of the business entity's credit information encrypted by the credit information encryption means from a party who wishes to utilize the business entity's credit information in order to provide trading company-type financial services such as fund raising, hedging, utilization of insurance, and confirmation of other commercial transactions (via the trading company-type financial service providing system) to the business entity using the non-cloud-type accounting system; a credit information use approval receiving means having a function of accepting an approval operation of a business entity using the non-cloud-based accounting system to use the business entity's credit information when the credit information use request receiving means receives a request for use of the credit information from a party who wishes to use the credit information; a credit information decryption means having a function of decrypting the credit information of a business entity that uses the non-cloud-based accounting system, the credit information encrypted by the credit information encryption means, when the credit information use approval acceptance means accepts an approval operation for the use of the business entity's credit information by the business entity that uses the non-cloud-based accounting system; A trading company type financial credit management service providing system comprising:

2. A trading company type financial credit management service providing system that is constructed with a cloud-based accounting system and is connected to a trading company type financial service providing system, a credit information calculation / creation means having a function of calculating / creating credit information of a business using at least accounting data such as financial information of the business using the cloud-based accounting system, the accounting data being uploaded and updated on the cloud-based accounting system via input from each terminal connected to the network; a credit information encryption means having a function of encrypting the credit information of the business entity calculated and created by the credit information calculation and creation means; a credit information utilization request receiving means having a function of receiving a request for utilization of the business's credit information encrypted by the credit information encryption means from a party who wishes to utilize the business's credit information in order to provide trading company-type financial services such as fund raising, hedging, utilization of insurance, and confirmation of other commercial transactions (via the trading company-type financial service providing system) to business entities using the cloud-based accounting system; a credit information use approval receiving means having a function of accepting an approval operation of a business entity using the cloud-based accounting system to use the business entity's credit information when the credit information use request receiving means receives a request for use of the credit information from a party who wishes to use the credit information; a credit information decryption means having a function of decrypting the credit information of the business entity that is encrypted by the credit information encryption means when the credit information use approval acceptance means accepts an approval operation for the use of the business entity's credit information by the business entity that uses the cloud-based accounting system; A trading company type financial credit management service providing system comprising:

3. A wallet means for managing digital assets owned by a business entity using the non-cloud accounting system in a wallet-like manner and having a function of evaluating their current value; a loan and insurance cost reduction means having a function of reducing the cost of loans and insurance in trading company-type financial services by using the digital assets managed by the wallet means as collateral; 2. The trading company type financial credit management service providing system according to claim 1, further comprising:

4. A wallet means for managing digital assets owned by a business entity using the cloud-based accounting system in a wallet-like manner and having a function of evaluating their current value; a loan and insurance cost reduction means having a function of reducing the cost of loans and insurance in trading company-type financial services by using the digital assets managed by the wallet means as collateral; 3. The trading company type financial credit management service providing system according to claim 2, further comprising:

5. The credit management service provision system for trading company-type finance described in any one of claims 1 to 4, characterized in that the credit information calculation / creation means has a function of constantly revising the credit information of the business operator in accordance with information such as the evaluation of the business operator in transactions and the business operator's account receivable status, in addition to accounting data such as financial information of the business operator using the accounting system.

6. Asset management instruments that have asset management functions, such as portfolio management and the ability to provide advice on optimal portfolio composition and hedging.

5. The trading company type financial credit management service providing system according to claim 1, further comprising:

7. The credit management service provision system for trading company-type finance described in claim 6, characterized in that the asset management means has a function capable of handling collateral setting and payment processing, such as management of digital assets and currency stable coins.

8. The credit management service provision system for trading company-type finance described in any one of claims 1 to 4, characterized in that the credit information calculation / creation means has a function of calculating / creating credit information for the business operator using the accounting system by further incorporating the creditworthiness of the payment, such as whether the payment is always made without any problems, as processing information related to the payment of the business operator.

9. A credit management service provision system for trading company-type finance as described in any one of claims 1 to 4, characterized in that the credit information calculation / creation means has a function of calculating and creating credit information for a business operator using the accounting system by further incorporating the asset strength and collateral strength of the business operator.

10. A trading company-type financial credit management service provision system as described in any one of claims 1 to 4, characterized in that when multiple businesses constituting a single organization jointly receive trading company-type financial credit management services from the trading company-type financial credit management service provision system, the system further has a digital contract assistance means having a function of assisting a specified business that is a member of the organization in concluding a digital contract (NFT-like token) in which credit is provided to a business that is insufficient in credit.

11. The credit management service provision system for trading company-type finance as described in claim 10, characterized in that the credit information calculation / creation means has a function of further incorporating evaluations of the businesses that make up the organization and calculating / creating credit information for those businesses.

12. the credit information use approval receiving means further has a function of accepting an approval operation by a business entity using the non-cloud-based accounting system to provide the business entity's credit information to a predetermined financial service providing system other than a trading company-based financial service; The credit management service provision system for trading company-type finance as described in claim 1 further comprises a credit information provision means having a function of providing the credit information of the business entity calculated and created by the credit information calculation / creation means to a specified financial service provision system other than the trading company-type financial service when the credit information use approval acceptance means accepts an approval operation by the business entity using the non-cloud-type accounting system to provide the business entity's credit information to a specified financial service provision system other than the trading company-type financial service.

13. the credit information use approval receiving means further has a function of accepting an approval operation by a business entity using the cloud-based accounting system to provide the business entity's credit information to a predetermined financial service providing system other than a trading company-based financial service; The credit management service provision system for trading company-type finance as described in claim 2 further comprises a credit information provision means having a function of providing the credit information of the business entity calculated and created by the credit information calculation / creation means to a specified financial service provision system other than the trading company-type financial service when the credit information use consent acceptance means accepts a consent operation by the business entity using the cloud-based accounting system to provide the business entity's credit information to a specified financial service provision system other than the trading company-type financial service.

14. The credit management service provision system for trading company-type finance as described in claim 12 or 13, characterized in that when the credit information providing means provides credit information of a business using the accounting system to a specified financial service provision system other than a trading company-type financial service, it further has a function of proposing to the business that is the provider of the credit information a reduction or waiver of the usage fee for the trading company-type finance credit management service provision system, conditional on the analysis of the usage fee or accounting information.

15. The accounting information is information analyzed as business attributes, not as individual business names, The credit management service provision system for trading company-type finance as described in claim 14, further comprising an accounting information providing means having a function of providing the accounting information to a specified financial service provision system other than the trading company-type financial service as automatic advertising using AI or as big data-converted commercial flow information.

16. A credit management service provision system for trading company-type finance as described in any one of claims 1 to 4, characterized in that the credit information includes the accounts receivable of the business operator as credit information to be used when dividing an applied factoring ST into groups according to credit when the business operator using the accounting system generates the factoring ST.

17. The credit management service provision system for trading company-type finance described in any one of claims 1 to 4 is further connected to a financial service provision system that provides bank digital currency processing and services using bank accounts as a specified financial service provision system separate from trading company-type financial services.

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