JP2002056324A - Credit limit management apparatus and credit guarantee system and method, information recording medium and program product - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To provide a buyer with a simple procedure in the electronic commerce market. A credit line information storage unit (17) storing credit line information set based on a guarantee amount guaranteed by one or a plurality of guarantors for payment of a buyer generated in an e-commerce market; When the payment amount determined by the buyer is determined to be within the range of the credit line, and the credit amount determination unit 18 determines that the payment amount is within the range of the credit line, A credit line management device 15 having an approval unit 19 that approves that the guarantor guarantees the payment amount is constructed, and a guarantee amount set by one or a plurality of guarantors for the buyer is managed as a credit line.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technology for avoiding a risk of a trading party relating to accounts receivable in an electronic commerce market.

[0002]

2. Description of the Related Art Today, with the rapid spread of the Internet, an e-commerce market in which sellers and buyers meet on the Internet to conduct business negotiations and negotiations has been expanding.

In this e-commerce market, it is often the case that mutually unknown sellers and buyers meet each other. If the buyer wishes to pay by accounts receivable instead of cash, the seller must bear the credit risk of the buyer during a set period (for example, a period of about 30 to 180 days).

[0004] As described above, when buying and selling in the e-commerce market, there arises a problem that mutual worries about creditworthiness, and in particular, sellers are worried about the ability of unknown buyers to pay. I have.

[0005] Such anxiety about the creditworthiness of the other party
It can be a barrier to active participation in the e-commerce market.

Here, in order to avoid the credit risk described above, as a first means, a buyer introduces a guarantor (a financial institution or the like) of accounts receivable to a seller or an e-commerce market and negotiates with the seller. Liquidating receivables as a means,
As a third means, the e-commerce market may have the guarantor issue a guarantee from the buyer.

[0007]

However, in the first method, the buyer must introduce a guarantor of the accounts receivable to the seller and the e-commerce market every time a transaction is made. In addition, the buyer provides the guarantor's credit information to the seller at each transaction, and the buyer and the seller provide the guarantee contents, the text of the contract, the method of issuing the guarantee, the method of determining the performance of the guarantee, the payment at the time of performance of the guarantee. We have to negotiate methods. Therefore, the procedure becomes extremely complicated and takes time.

[0008] In the second means, negotiations for selling and receivable of accounts receivable and cashing of a contract are required, which also takes time and effort.

[0009] In the third means, the buyer who is the guarantee user is limited to the customer of the financial institution which is the guarantor. If there is no transaction, the buyer makes a new transaction with the financial institution. You can not enter the market unless you start. Also, if the guarantor cannot guarantee the credit risk of the buyer, the buyer will not be able to conduct the transaction. In addition, if there are multiple guarantors,
Since the amount of credit lines set for buyers may vary, sellers must maintain these credit lines and must collect and judge the creditworthiness of each guarantor by themselves. Must. In addition, the financial institution that performs the guarantee business needs to make a huge capital investment to connect the e-commerce market with the Internet.

As described above, according to the first, second, and third means, it is not possible to perform credit guarantee by a simple procedure.

[0011] The credit guarantee by a simple procedure is not limited to the payment obligation based on the purchase and sale on the Internet, but also the various obligations related to money generated between the debtor who is the buyer and the creditor who is the seller. It is desirable if it can be widely applied.

Accordingly, an object of the present invention is to provide a technique capable of guaranteeing the credit of a debtor by a simple procedure in the electronic commerce market.

[0013]

In order to solve the above-mentioned problems, a credit line management apparatus according to the present invention provides a credit amount guaranteed by one or more guarantee means for a buyer's payment generated in an electronic commerce market. A credit line information storage unit in which information on a credit line set based on the credit line is stored; a credit line determination unit for determining whether a buyer's payment amount to be processed as accounts receivable is within the range of the credit line; When the determination unit determines that the payment amount is within the range of the credit line, the determination unit includes an approval unit that approves that the payment amount is guaranteed, and the buyer is set by one or more guarantee units. It is characterized in that the guarantee amount can be used as a credit limit and accounting information of a plurality of guarantee means can be managed.

According to this invention, it is possible to guarantee the credit of the buyer by a simple procedure in the electronic commerce market.

[0015]

Embodiments of the present invention will be described below more specifically with reference to the drawings. Here, the same reference numerals are given to the same members in the attached drawings,
In addition, duplicate description is omitted. The embodiments of the present invention are particularly useful forms in which the present invention is implemented, and the present invention is not limited to the embodiments.

Here, in the present specification, guarantees include overdraft lines, insurance, credit lines, cashing lines,
Includes all forms of credit provision, including third-party collateral offerings and transfer receivables reservations.

FIG. 1 is a conceptual diagram showing a credit guarantee system according to an embodiment of the present invention, FIG. 2 is a block diagram showing components of a credit limit management device in the credit guarantee system of FIG. 1, and FIG. FIG. 4 is an explanatory diagram showing credit line data stored in a credit line information storage unit of the credit line management device, FIG. 4 is a flowchart showing a process of obtaining credit line information in the credit guarantee system of FIG. 1, and FIG. 6 to 15 are explanatory diagrams showing screens displayed in the course of execution by the credit guarantee system of FIG. 1.

As shown in FIG. 1, the credit guarantee system according to the present embodiment has an electronic commerce market (including an electronic financial transaction market) 13 in which a seller 11 and a buyer 12 meet and conduct electronic commerce on the Internet. And a plurality of guarantors (guarantee means) 14 a, 14 b, which set a guarantee amount for guaranteeing the buyer 12 payment in the e-commerce market 13 to a predetermined amount as a limit and guarantee the buyer 12 payment.
14c, and these guarantors 14a, 14b, 14
The credit limit management device 15 manages the total of the guarantee amounts set in c. as a credit limit, and the credit enhancer (credit enhancement) that performs table guarantee, credit enhancement, back guarantee, and risk part out for the credit limit management device 15 16) and are mutually connected by a communication line. However, the Internet includes EDI (Electronic Data).
Interchange, etc., in which a plurality of terminals are networked.

The electronic commerce market 13 is an aggregate of individual markets 13a, 13b, 13c,..., And corresponds to all markets.

In FIG. 1, seller 11 and buyer 1
2 and the credit enhancer 16 are shown only one each, but a plurality may be provided. Although a plurality of guarantors 14 are shown, one guarantor may be used. Here, it is not necessary that all the guarantors 14 guarantee the payment of the buyer 12, and it is sufficient that at least one guarantor 14 guarantees the payment. The guarantor 14 is generally a financial institution or the like.

Here, in the present embodiment, the total amount of the guarantee amount is the credit limit. However, for example, when the upper limit amount is set and the total amount of the guarantee amount exceeds the upper limit amount, the amount is reduced. A credit line or a certain amount reduced from the total amount of the guarantee (for example, 1000
It is possible to use a credit line of (10,000 yen × 80% = 8 million yen), or a combination of these lines as a credit line. That is, in the present invention, the credit line can be freely set in the credit line management device 15 based on the guarantee amount, and it is not always necessary to use the total of the guarantee amount as the credit line as in the present embodiment.

As shown in FIG. 2, credit line management device 15
Includes a credit line information storage unit 17, a credit line determination unit 18, an approval unit 19, an issuing unit 26, a set guarantee amount notification unit 20,
It has an answering unit 21, an accounting information storage unit 22, an accounting information providing unit 23, a credit processing unit 24, and a collection unit 25.

Here, the credit line information storage unit 17 stores information on the credit line set based on the guarantee amount guaranteed by the guarantor 14 for the buyer's payment generated in the electronic commerce market 13. . The credit line information is stored as customer-specific credit line data as shown in FIG.
2 shows the name or name of the customer corresponding to 2, the name of the guarantee line corresponding to the guarantor 14, the guarantee amount set by the guarantee line, and the credit line which is the total of the guarantee amount.

Here, in the case shown in the figure, the credit line data is totaled for each customer, but may be totaled for each guaranteed line or both for each customer and each guaranteed line.

Further, even if the credit line data for each customer stores information on items other than the above-mentioned items, such as the guarantee period, the target e-commerce market, the guarantee rate, the executed guarantee amount, and the respective guarantee expiration dates. Good. One or more of these items, such as a warranty period, can also be added to the components of the credit facility. Further, the credit line data for each customer stores information on items such as a customer's contact information (for example, zip code, address, telephone number, fax number, E-mail address, etc.), gender, age, and deposit account number. It may be.

The customer-specific credit limit data may be stored in a single database, or may be stored separately in a plurality of databases.

When the buyer 12 wishes to make payment in the e-commerce market 13 not with cash but with receivables, the credit limit judging unit 18 sets the buyer's payment amount to be processed as receivables within the credit limit. Determine if there is.
Therefore, in the case where there are a plurality of guarantors 14 for the buyer 12, even if the guarantee amount set by one guarantor 14 is less than the payment amount, the credit amount may satisfy the payment amount.

When the credit amount determination unit 18 determines that the amount of payment or the like falls within the range of the credit line, the guarantor 14 guarantees the amount of payment of the buyer 12 (including guarantee reservation). Approve.

The issuing unit 26 thus operates the approval unit 19
If the above-mentioned guarantee is approved, an electronic letter of credit or guarantee is issued to the seller 11. The letter of credit or the like does not need to be issued by electronic means, but can be issued by various other means such as a document.

When the approval unit 19 similarly approves the above-mentioned guarantee, the set guarantee amount notification unit 20 notifies the guarantor 14 of the amount set as the guarantee of the payment amount.

The answer unit 21 is provided for the guarantor 14 or the buyer 1
In response to the inquiry from the buyer 2, the guarantor 14 is notified of the current guarantee amount of the buyer 12. As a result, the guarantor 14 can reliably grasp the current guarantee amount.

The accounting information storage unit 22 stores accounting information, which is credit information of the guarantor 14, and the seller 11, the buyer 12, or the e-commerce market 13 browses the accounting content of the guarantor 14 and checks the creditworthiness of the guarantor 14. If it is desired to judge, the accounting information providing unit 23 causes the accounting information storage unit 22
Accounting information (for example, financial statements such as balance sheets and profit and loss statements and various credit information such as rating information)
Is provided. As a result, the user can easily judge the creditworthiness of the guarantor 14 from the accounting contents, and the transaction is secured.

The receivable processing unit 24 sends the consideration of the sales receivable to the seller 11 when the amount of payment is judged to be within the range of the credit limit by the credit limit determination unit 17 and the seller 11 desires. At the same time, the seller 11 purchases the accounts receivable or transfers it to a third party.

Then, the collection unit 25 collects funds by liquidating the accounts receivable. Here, fund recovery is based on receivables-based liquidation products (trust beneficiary right, asset-backed securities,
Profit participation rights, factoring, etc.).

Next, the processing performed by the credit guarantee system having such a configuration will be described with reference to the flowcharts of FIGS. 4 and 5 and the display screens shown in FIGS.

As shown in FIG. 4, in the process of acquiring credit line information, first, the buyer 12 specifies the guarantor 14 and notifies the guarantor 14 and the credit line management device 15 of this (step S11). For example, as the guarantor 14, a financial institution with which the buyer 12 does business is designated. The designated guarantor 14 does not need to be one, but may be plural.

Next, the credit line management device 15 sends the buyer 12
And a necessary contract with the guarantor 14 (step S
12). Then, the set guarantee amount is transferred to the credit line management device 1.
5 is notified (step S13).

In the credit line management device 15, the notified guarantee amount is stored in the credit line information storage unit 17, and further set based on the guarantee amount (here, the plurality of notified guarantee amounts are summed up). ) Store the credit line in the credit line information storage 17 (step S14).

The guarantor 14 may set a guarantee amount for each market, and may also set a guarantee fee rate for each market and each site. In this case, these setting contents are also notified to the credit line management device 15 and stored in the credit line information storage unit 17.

When the credit line information is obtained in steps S11 to S14, the credit line management device 15
, One or more guarantors 1
4 is managed as a credit line.

Next, as shown in FIG. 5, in the processing process of the credit line management service by the credit guarantee system, as shown in FIG. 5, the buyer 12 proposes that the payment made in the electronic commerce market 13 should be made not with cash but with receivables (step). S21),
If the seller desires to use the credit line management service (step S22), the first screen shown in FIG.
Screen 101 is displayed.

On the first screen 101, "login",
Three menu buttons 101a and 101 for "Register user" and "Please read for first-time users!"
b and 101c are displayed. Then, it is determined whether the seller 11 has been registered as a user (step S2).
3) If the user has not been registered, the menu button 101b of “register user” is clicked with the pointer P.

Then, on the second screen 102 shown in FIG. 7, a contract is displayed in which the details of the guarantee, the method of issuing a guarantee, the method of determining the performance of the guarantee, the method of payment at the time of performing the guarantee, and the like are displayed (step S24). ). Then, after checking the contents, if the seller 11 agrees to the contract (step S2
5) Point the "Agree" menu button 102a with the pointer P
Click with. If the user does not agree, the user clicks the "I do not agree" menu button 102b.

When the "Agreement" menu button 102a is clicked on the second screen 102, a third screen 103, which is a user registration screen shown in FIG. 8, is displayed, and user registration is performed (step S26). . Specifically, a name, contact information, and the like (for example, zip code, address, telephone number, gender, age, E-mail address, deposit account number, etc.) are input to the input box 103a, and a "Send" menu button 103b is input. Is clicked with the pointer P.
Thereby, the fourth screen 104 shown in FIG. 9 is displayed,
An ID and a password are given (step S27).
The password may be specified by the user.

Since the credit line has already been set in the credit line management device 15 for the buyer 12, the user registration for using the credit line management service is completed for the buyer 12, and Will be explained as having agreed.

Further, in a series of processes of the credit line management service, the seller 11 or the buyer 12 can access the credit line management device 15 directly or through the electronic commerce market 13 to perform the procedure. The electronic commerce market 13 acting on behalf of the buyer 12 can access the credit line management device 15 and perform the procedure.

Further, although the specification does not mention the payment of the guarantee fee of the buyer 12 or the seller 11 when using the credit facility management service, the service provider may collect the guarantee fee. Of course you can.

If the user registration is completed as described above, the "login" menu button 104a on the fourth screen 104 is clicked with the pointer P, or if the user has already been registered in step S23, the first
"Login" menu button 101a on the screen 101
Is clicked with the pointer P, a fifth screen 105, which is a login screen shown in FIG. 10, is displayed (step S).
28).

A sixth screen 106 shown in FIG. 11 is displayed, showing an option of using either the credit line use service or the factoring service (step S29).

In this step S 29, “credit facility use service” is selected and “confirm” menu button 106 is selected.
When a is clicked, a seventh screen 107 shown in FIG. 12 is displayed, and the seller 11 sets the contents of the transaction using the credit line (step S30). However, the contents of the transaction may automatically flow from the electronic transaction market 13.

When the payment amount of the buyer 12 is determined in this way, the credit line determination unit 18 determines whether the payment amount of the buyer 12 is within the range of the credit line managed by the credit line management device 15. (Step S3
1).

When the contents of the transaction are specified, the eighth screen 108 shown in FIG. 13 is displayed, and the guarantor 14 is selected (step S32).

After selecting the guarantor in this way,
Since the ninth screen 109 (FIG. 14) is displayed and the setting contents are displayed, the seller 11 presses the "confirm" menu button 109a if he agrees, or the "cancel" menu button 109b if he disagrees. Is clicked (step S33).

If an agreement is made in step S33, the guarantor 14 is approved by the approval section 19 to guarantee the payment amount (step S34), whereby the seller 11 and the buyer 12 who has requested the use of the credit line are communicated. A sales contract is concluded between (step S35). If no agreement is reached, the process returns to step S30.

If the sales contract is concluded, the seller 11,
Buyer 12 or e-commerce market 13 in which the transaction was made
Is notified to the credit line management device 15 that the credit line has been executed (step S36). Then, in response to this, the set guarantee amount notification unit 20 sets the amount set as the guarantee of the payment amount of the buyer 12 to the guarantor 14
(Step S37). Thereby, guarantor 1
No. 4 can surely know that a guarantee has been set for a part or all of the guarantee amount.

After such a series of steps are completed,
If the buyer 12 has paid within a predetermined period (step S38), the sales contract is canceled by fulfilling the contract, and the updated information on the guarantee amount is stored in the credit line information storage unit 17 (step S38). Step S39)

Also, in step S38, the buyer 12
Does not make a payment, the guarantor 14 or the credit complementer 16 makes a payment to the seller 11 (step S40), and stores the default information in the credit line information storage unit 1.
7 (step S41).

Steps S39 and S4
In either case, the information stored in the credit line information storage unit 17 is notified to the guarantor 14.

In step S29 described above,
When "factoring service" on the sixth screen 106 (FIG. 11) is selected and the "confirm" menu button 106a is clicked, a tenth screen 110 shown in FIG. 15 is displayed. Therefore, the seller 11 specifies the content of using the factoring service on the screen (step S42).

Then, the receivable processing unit 24 operates to send the consideration of the receivable sale to the seller 11 and to purchase the receivable from the seller 11 (step S43).
This allows seller 11 to go through complicated procedures,
Accounts receivable can be immediately cashed. The accounts receivable may be transferred to a third party.

Next, these receivables are liquidated by the receivable processing unit 24 or the collection unit 25 (step S4).
4), collecting funds (step S45). However, the entity that conducts the transaction does not have to be the same as the management entity of the credit facility.

In the credit line management device 15, a fee corresponding to the transaction amount or a uniform fee is charged to the parties (seller 11, buyer 12, electronic commerce market 13 and guarantor 1).
4 any or all) can be collected as needed.

Here, for the credit line set by the guarantor 14, the credit line management device 15 itself or the credit supplementer 1
6 may perform front guarantee, credit enhancement, back guarantee, and risk part out (including insurance setting). In this way, the credit risk seen by the seller 11 (the buyer 12
Credit risk of the guarantor 14) can be unified, and the convenience can be further improved.

Further, if the credit enhancer 16 makes a guarantee or sets insurance for the credit limit managed by the credit limit management device 15, the credit strength of the credit enhancer 16 is increased, and the entire system is improved. Can increase the creditworthiness. In addition, since the seller 11 and the e-commerce market 13 need only determine the credit risk or the insurance risk of the credit enhancer 16, the credit risk management can be unified.

Here, when the credit enhancer 16 performs the credit enhancement, the credit enhancer 16 sets a guarantee frame for the guarantor 14. Also, if a sales contract is concluded,
The credit enhancement person 16 is also notified that the credit enhancement frame has been used.

The buyer 12 without the guarantor 14 may be directly guaranteed by the credit line management device 15. In that case, the credit risk can be passed on by back guarantee or risk part out.

As described above, according to the present embodiment, the credit line management device 15 is provided separately from the guarantor 14, and the credit line based on the guarantee amount of the buyer 12 set by the guarantor 14 is provided. Since the seller 11 does not know the guarantor 14 of the buyer 12 or has a plurality of guarantors 14 of the buyer 12, the seller 11 does not Buyer 1
The credit guarantee can be obtained only by performing the inquiry of 2. As a result, in the electronic commerce market 13, it is possible to guarantee the credit of the buyer 12 by a simple procedure.

As described above, if it becomes possible to quickly eliminate the credit insecurity of the seller 11 relating to the accounts receivable in the electronic commerce market 13, it is possible to facilitate a speedy transaction contract which is a characteristic of electronic commerce. Become.

The credit guarantee technology described above is, for example,
Not only can it be stored in an information recording medium such as a D-ROM and executed, but also can be distributed as a program product via a network.

In the present embodiment, it is assumed that buying and selling in electronic commerce is a causal contract, and the buyer is described as a debtor who is a payer of the transaction and a seller is a creditor who is a receiver of the price. went.

However, the present invention can be applied to the settlement of all monetary claims and debts generated in electronic commerce on the Internet. Such monetary receivables and payables include, specifically, refunds and penalties based on the obligation to restore the original state that arises when the sales contract for electronic commerce is cancelled, starting money for a business alliance agreement on the Internet, and consideration for services on the Internet. and so on.

Therefore, in the future where various transactions on the Internet become more active, the present invention can be applied to all monetary payment obligations that will occur at this time.

[0073]

As apparent from the above description, the following effects can be obtained according to the present invention.

(1) A credit line management device is provided separately from the guarantee means, and the credit line based on the buyer's guarantee amount set by the guarantee means is managed by the credit line management device. Credit guarantee can be obtained only by inquiring the buyer to the frame management device. Therefore, in the electronic commerce market, it is possible to guarantee the credit of the buyer by a simple procedure.

(2) The e-commerce market and the seller can negotiate with a plurality of buyers and their guarantee means by standardized procedures (including accounting information etc.) by accessing the credit facility management device. The procedure is simplified.

(3) Since the credit line management device centrally manages the guarantee means and the credit line, the transaction does not become complicated even if the buyer designates a plurality of financial institutions as the guarantee means.

(4) Since information is exchanged between the credit line management device and the electronic commerce market by electronic communication means, it is necessary for the guarantee means to have a facility for connecting to the electronic commerce market. The e-commerce market and guarantees will no longer need to make huge investments.

(5) Since the seller uses the credit line management device, it is possible to cash the seller's receivables with the guarantee since the sellers have high creditworthiness.

(6) By separating the credit line management device from the operation of the e-commerce market, it becomes possible to provide a general-purpose credit guarantee service to a plurality of e-commerce markets.

(7) Since it is possible to promptly resolve the credit insecurity of the seller relating to the accounts receivable in the electronic commerce market, it is possible to smoothly execute a speedy transaction contract which is a characteristic of electronic commerce.

(8) When the credit enhancer is set, the seller can more easily determine the creditworthiness, and the credit risk is reduced.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram showing a credit guarantee system according to an embodiment of the present invention.

FIG. 2 is a block diagram showing components of a credit line management device in the credit guarantee system of FIG. 1;

FIG. 3 is an explanatory diagram showing credit line data stored in a credit line information storage unit in the credit line management device of FIG. 2;

FIG. 4 is a flowchart illustrating a process of acquiring credit line information in the credit guarantee system of FIG. 1;

FIG. 5 is a flowchart showing an operation of a credit line management service by the credit guarantee system of FIG. 1;

FIG. 6 is an explanatory diagram showing a first screen displayed in the course of execution by the credit guarantee system of FIG. 1;

FIG. 7 is an explanatory diagram showing a second screen displayed in the course of execution by the credit guarantee system of FIG. 1;

FIG. 8 is an explanatory diagram showing a third screen displayed in the course of execution by the credit guarantee system of FIG. 1;

FIG. 9 is an explanatory diagram showing a fourth screen displayed in the course of execution by the credit guarantee system of FIG. 1;

FIG. 10 is an explanatory diagram showing a fifth screen displayed in the course of execution by the credit guarantee system of FIG. 1;

FIG. 11 is an explanatory diagram showing a sixth screen displayed in the course of execution by the credit guarantee system of FIG. 1;

FIG. 12 is an explanatory diagram showing a seventh screen displayed in the course of execution by the credit guarantee system of FIG. 1;

FIG. 13 is an explanatory diagram showing an eighth screen displayed in the course of execution by the credit guarantee system of FIG. 1;

FIG. 14 is an explanatory diagram showing a ninth screen displayed in the course of execution by the credit guarantee system of FIG. 1;

FIG. 15 is an explanatory diagram showing a tenth screen displayed in the course of execution by the credit guarantee system of FIG. 1;

[Explanation of symbols]

 Reference Signs List 11 seller 12 buyer 13 e-commerce market 13a, 13b, 13c market 14, 14a, 14b, 14c guarantor (guarantee means) 15 credit frame management device 16 credit complementer (credit complementing unit) 17 credit frame information storage unit 18 credit frame Judgment unit 19 Approval unit 20 Setting guarantee amount notification unit 21 Answer unit 22 Accounting information storage unit 23 Accounting information providing unit 24 Claim processing unit 25 Collection unit 26 Issuing unit

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Shin Takahata 1-13-10 Kudankita, Chiyoda-ku, Tokyo Within Japan Bond Credit Bank (72) Inventor Koichi Otani 1-13 Kudankita, Chiyoda-ku, Tokyo No. 10 Inside Japan Bond Credit Bank (72) Inventor Norihiro Arai 1-13-10 Kudankita, Chiyoda-ku, Tokyo Inside Japan Bond Credit Bank (72) Inventor Hiroyoshi Terashima Chiyoda-ku, Tokyo 1-13-10 Kudankita Japan Bond Credit Bank F term (reference) 5B049 BB11 BB46 CC00 CC05 CC36 EE00 GG00 5B055 CC00 CC11 EE27 FA00 FB00

Claims (28)

[Claims] 1. A credit line information storage unit that stores information on a credit line set based on a guarantee amount guaranteed by one or more guarantee means for payment of a buyer generated in an e-commerce market; A credit line determination unit that determines whether the buyer's payment amount to be processed is within the range of the credit line, and when the payment amount is determined to be within the line of credit by the credit line determination unit. Has an approval unit that approves that the guarantee means guarantees the payment amount, so that the guarantee amount set by the one or more guarantee means for the buyer can be managed as a credit line. A credit line management device characterized by the following. 2. The credit line management device according to claim 1, further comprising a set guarantee amount notifying unit that notifies the guarantee unit of the amount set as the guarantee of the payment amount. 3. The credit line according to claim 1, further comprising a reply unit that, upon receiving an inquiry from the guarantee unit or the buyer, notifies the guarantee unit of a current guarantee amount of the buyer to the guarantee unit. Management device. 4. The credit system according to claim 1, further comprising an issuing unit for issuing a letter of credit or a letter of guarantee to the seller when the approval of the commercial transaction is approved by the approval unit. Frame management device. 5. An accounting information storage unit in which accounting information of the assurance unit is stored, and an accounting information providing unit that provides the accounting information stored in the accounting information storage unit. 1
The credit line management device according to any one of claims 1 to 4. 6. The receivable sale to the seller if the seller who has conducted a business transaction with the buyer wishes when the payment amount is determined to be within the range of the credit limit in the credit facility determination unit. The credit limit management device according to any one of claims 1 to 5, further comprising: a credit processing unit that sends the consideration of the seller and purchases or transfers the accounts receivable of the seller. 7. The credit line management device according to claim 6, further comprising a collection unit for liquidating the accounts receivable to collect funds. 8. In connection with the payment of monetary obligations between trading parties in the electronic commerce market, information relating to a credit line set based on a guarantee amount guaranteed by one or more guarantee means for each obligor. A credit line information storage unit that manages the credit line for each debtor; a credit line determination unit that determines whether the monetary debt of the debtor is within the range of the credit line; A credit line management device, comprising: an approval unit that approves that the guarantee unit guarantees the payment amount when the financial debt is determined to be within the range of the credit line. 9. A response unit which receives an inquiry from the guarantee unit and notifies the guarantee unit of the debtor's current guarantee amount to the guarantee unit.
Credit line management device as described. 10. When the credit amount determination unit determines that the payment amount is within the range of the credit line and the debtor who has performed business with the creditor wishes, the creditor's accounts receivable. The credit line management device according to claim 8, further comprising a credit processing unit that purchases or transfers the credit. 11. The credit line management device according to claim 10, further comprising a collection unit for liquidating the accounts receivable to collect funds. 12. An e-commerce market in which commerce is performed on the Internet, and guarantee means for setting a guarantee amount for guaranteeing a predetermined amount of money and debts in the e-commerce market to guarantee payment. 12. A credit guarantee system, comprising: the credit limit management device according to any one of Items 1 to 11. 13. The credit guarantee system according to claim 12, wherein the credit line management device or the credit enhancement unit performs a guarantee for the credit line set by the guarantee unit. 14. A credit guarantee method for a buyer in a case where a buyer pays a payment amount generated in an e-commerce market as accounts receivable, based on a guarantee amount set by one or more guarantee means for the buyer's payment. It is determined whether or not the payment amount is within the range of the credit line, and if the payment amount is determined to be within the range of the credit line, the guarantee is performed. A credit guarantee method, wherein the means approves guaranteeing the payment amount. 15. The credit guarantee method according to claim 14, wherein the amount set as the guarantee of the payment amount is notified to the guarantee means. 16. When the payment amount is determined to be within the range of the credit line and the seller who has performed a business transaction with the buyer desires, the price of the sales receivable is sent to the seller and 15. The seller's receivables are bought or transferred.
Or the credit guarantee method described in 15. 17. The credit guarantee method according to claim 16, wherein the accounts receivable is liquidated to collect funds. 18. A credit guarantee method for a debtor relating to payment of a financial obligation between trading parties in an electronic commerce market, comprising: a guarantee amount set by one or more guarantee means for each debtor. Manages the information related to the given credit facility for each debtor, determines whether or not the debtor's monetary debt is within the range of the credit facility, and determines that the financial debt is within the range of the credit facility. A credit guarantee method, wherein the guarantee means approves the guarantee of the payment amount. 19. A step of managing a credit line configured based on a guarantee amount set by one or a plurality of guarantee means for payment of a buyer generated in an electronic commerce market; Determining whether the payment amount is within the credit line, if the payment amount is within the credit line, and performing the guarantee if the payment amount is determined to be within the credit line. An information recording medium, wherein the program executes the steps of: (a) authorizing that the payment amount is guaranteed. 20. The information recording medium according to claim 19, wherein a program for executing a step of notifying the guarantee means of the amount set as the guarantee of the payment amount is stored. 21. In a case where the payment amount is determined to be within the range of the credit line, if a seller who has performed a business transaction with the buyer desires, a consideration for selling the receivable is sent to the seller. 21. The information recording medium according to claim 19, wherein a program for executing a step of buying or transferring the receivable of the seller is stored. 22. The information recording medium according to claim 21, wherein a program for executing a step of liquidating the accounts receivable and collecting funds is stored. 23. Regarding the payment of monetary obligations between trading parties in the electronic commerce market, information on a credit facility constituted based on a guarantee amount set by one or more guarantee means for the debtor is provided for each debtor. Managing the debtor's monetary debt is within the range of the credit facility; and determining that the monetary debt is within the range of the credit facility, And a step of approving the guarantee of the payment amount. 24. A means for managing a credit line configured based on a guarantee amount set by one or more guarantee means for payment of a buyer generated in an electronic commerce market; Means for determining whether the amount of payment is within the range of the credit line when paying the amount as accounts receivable; and, when the amount of payment is determined to be within the range of the credit line, the guarantee unit. A program product causing a computer to execute means for approving guarantee of the payment amount. 25. A means for executing a step of notifying the guarantee means of the amount set as the guarantee of the payment amount, and causing the computer to execute the step.
4. The program product according to 4. 26. In a case where the payment amount is determined to be within the range of the credit line, if a seller who has performed a business transaction with the buyer desires, a consideration for selling the receivable is sent to the seller. 26. The program product according to claim 24, wherein the program causes a computer to execute means for purchasing or transferring the receivables of the seller. 27. The program product according to claim 26, wherein a computer executes means for liquidating the accounts receivable and collecting funds. 28. Regarding the payment of monetary obligations between trading parties in the e-commerce market, information on a credit facility constituted based on a guarantee amount set by one or more guarantee means for the debtor is provided for each debtor. Means for determining whether or not the debtor's financial debt is within the range of the credit line; and, if the financial debt is determined to be within the range of the credit line, A program product causing a computer to execute means for approving that the guarantee amount is guaranteed by the guarantee means.