JP2011100291A - Asset based lending business support system - Google Patents

Abstract

[PROBLEMS] To provide a real estate collateral lending business support system that grasps and manages the state of a collateral property and clearly indicates the change of collateral content and the execution of collateral right in real time.
An ABL business support server 100 having an ABL management DB 151 for holding information on a project, information on a collateral property, and a history of evaluation value of the collateral, and displaying information on the ABL business support server 100 that supports a management business related to a personal mortgage loan An ABL operation support server 100 that updates the contents of the inventory management DB 141 based on the ID information acquired from the RFID tag 122; The ABL management unit 150 grasps and manages the collateral property by managing the contents of the inventory management DB 141 and the contents of the ABL management DB 151 in association with each other, and the RFID tag 122 indicates that the security right is set. When the execution of the security right is instructed, the fact that the security right is in an execution state is displayed.
[Selection] Figure 1

Description

  The present invention relates to a technique for managing a property-collateralized loan business in which a financial institution lends to a company using stock as a collateral, and in particular, a series of operations from registration of a collateral property to grasping of a state and execution of a security right The present invention relates to a technology effective when applied to a personal property lending business support system that supports processing.

  In recent years, as a means of fund raising in companies, assets other than real estate and securities held by companies (for example, inventory (raw materials, parts, products, etc.), movable equipment such as machinery and equipment, and receivables such as accounts receivable) are used as collateral. So-called personal property (assets) collateralized loans (Asset Based Lending: hereinafter may be simply referred to as “ABL”) have been made.

  In ABL that uses collateral such as inventory and machinery and equipment as a collateral, a form of transfer collateral is generally used in which the collateral property is kept in the hands of a debtor company and is continuously used for business. In this case, there is an implementation problem that it is difficult for financial institutions that are creditors to manage collateral properties (identification and clarification of collateral properties, grasp of changes in location, evaluation value, etc.), and ABL is widely used. It is said that this is one of the factors that hinder its spread.

  In order to deal with such problems, a technology has been proposed in which inventory (collateral property) is tagged with a so-called RFID (Radio Frequency IDentification) tag to identify the inventory and immediately grasp and manage its location and movement. Yes.

  For example, Japanese Patent Laid-Open No. 2006-185300 (Patent Document 1) includes identification information composed of tag information of an IC wireless tag attached to a property that identifies a secured property and an unsecured property, and property contents such as a secured property. Property information data storage means for storing property information data consisting of property information and transaction information describing transaction details when collateral is set on unsecured properties, and when the collateral property is moved to these properties Tag information reading means for reading tag information from an attached IC wireless tag, movement destination specifying means for specifying a movement destination of the collateral, etc. based on the tag information, and property information data specified in the tag information By changing the storage location of the property indicated in the property information of the property to a destination, a change to the collateral property or unsecured property managed can be made. If such was the object of the case or the newly assigned collateral, the change quickly identify, movables collateral management system capable of changing the property information from a remote location is disclosed.

JP 2006-185300 A

  As described above, in order to grasp and manage the status of collateral properties in ABL with stock as collateral, the use of RFID tags that are widely used in general logistics / inventory management technology It is possible to automatically identify collateral properties from among them and accurately grasp and manage their location and changes in evaluation value in real time.

  However, in the conventional technology, no particular consideration is given to a method of clearly indicating that the property is a collateral property against stock. In this case, it is usually specified by pasting a paper to that effect on the collateral property or its management location, etc., when the collateral content has changed, or when the collateral right is executed by the creditor (financial institution) In the case of maintenance, etc., it takes a lot of time and effort to identify the target collateral property and reapply the paper.

  Therefore, an object of the present invention is to grasp and manage the state of the collateral property, and further support the business related to the movable collateral loan by performing the real-time indication of the change of the collateral content and the execution of the security right for the collateral property. The purpose is to provide a personal property loan business support system. The above and other objects and novel features of the present invention will be apparent from the description of this specification and the accompanying drawings.

  Of the inventions disclosed in this application, the outline of typical ones will be briefly described as follows.

  A personal property collateral loan business support system according to a representative embodiment of the present invention is a personal property collateral loan business support system that supports business processing of a personal mortgage loan in which a financial institution finances a company using stock as a collateral, It is characterized by the following points.

  That is, the property-collateralized loan operation support system includes information on the property-collateralized loan item registered from the financial institution, information on the inventory that is a collateral property subject to the item registered from the company, and the finance A property-secured loan management database having a property-secured loan management database that holds information including a history of evaluation value of the secured property registered from an institution, and having a function to support management tasks related to property-secured loan; An RFID tag attached to the inventory and having a function of transmitting its own unique ID information by wireless communication and a function of displaying information held by itself on its own display unit, and a management location where the inventory is stored Connected to the property-assured lending business support server, receiving the ID information transmitted from the RFID tag by wireless communication and receiving the property information Send collateral lending operations support server, also has a reader / writer having a function of writing information to the RFID tag based on an instruction from the asset-based lending business support server transmits by wireless communication.

  The personal property collateralized financing business support server updates the contents of an inventory management database that holds information relating to the location of the inventory based on the ID information acquired from the RFID tag by the reader / writer. The collateral property is managed by associating and managing the stock management unit having a function of managing the content of the stock management database and the content of the movable mortgage loan management database with information identifying the stock as the collateral property. And a personal property collateral loan management unit that grasps and manages the location of the collateral property and the transition of the evaluation value.

  Further, the movable collateral loan management unit transmits information including the contents of the case to the RFID tag attached to the collateral property via the reader / writer, and the RFID tag that has received the information The fact that a security right is set for the inventory with the RFID tag attached is displayed, and the movable collateral loan management unit is instructed to execute the security right from the financial institution, The RFID tag attached to the collateral property is transmitted to the RFID tag attached to the collateral property via the reader / writer, and includes information indicating that the security right is in an execution state. The fact that the security right is in an executed state for the attached security property is displayed.

  Among the inventions disclosed in the present application, effects obtained by typical ones will be briefly described as follows.

  According to a typical embodiment of the present invention, an RFID tag having a display function is attached to a stock to grasp and manage its location and movement, and managed in association with information on a personal property mortgage loan item, It is possible to efficiently identify and manage the status of collateral properties, their location and evaluation value transition, etc., and make real-time indications about changes to collateral content and execution of security rights for collateral properties It becomes possible.

It is the figure which showed the outline | summary of the structural example of the ABL business assistance system which is one embodiment of this invention. It is a figure explaining the example of the processing content of the registration function in one embodiment of this invention. It is a figure explaining the example of the processing content of the confirmation function in one embodiment of this invention. (A)-(c) is a figure explaining the example of the method for specifying the location of each stock in one embodiment of this invention. It is a figure explaining the example of the processing content of the evaluation replacement function in one embodiment of this invention. It is a figure explaining the example of the processing content of the cancellation | release function in one embodiment of this invention. It is a figure explaining the example of the processing content of the execution function in one embodiment of this invention. It is the figure which showed the example in the case of displaying the execution state of a security interest by the display function of the RFID tag in one embodiment of this invention. It is the figure which showed the example of the management screen of the matter displayed on the client terminal of a financial institution or a company in one embodiment of this invention. It is the figure which showed the example of the detailed management screen which displays the detailed information of the secured property in one embodiment of this invention. It is the figure which showed the example of the confirmation screen of the item displayed on the client terminal of the financial institution in one embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Note that components having the same function are denoted by the same reference symbols throughout the drawings for describing the embodiment, and the repetitive description thereof will be omitted.

  An ABL support system according to an embodiment of the present invention attaches an RFID tag to a stock, grasps and manages its location and movement, and manages it in association with information on a personal property collateral loan item. It is a system that supports ABL-related operations such as identification, location, evaluation status, and other status tracking, management, collateral release and execution.

[System configuration]
FIG. 1 is a diagram showing an outline of a configuration example of an ABL support system according to an embodiment of the present invention. In FIG. 1, the ABL business support system 1 is installed in an ABL business support server 100, an RFID tag 122 attached to a stock 201 stored in one or more management locations 200, and an RFID tag 122. And a reader / writer 121 that transmits and receives information by wireless communication. Further, the ABL business support server 100 is connected to a client terminal such as a PC (Personal Computer) possessed by the financial institution 300 (creditor) and the company 400 (debtor) via a network 500 such as the Internet.

  The management place 200 is a place (area) for managing the stock 201 held by the company 400. For example, a warehouse of a logistics company entrusted with management of collateral by the company 400 or the company 400 or a part thereof Such as an area. Among the management places 200, the stock 201 stored in the predetermined management place 200 is handled as collateral set by transfer collateral. That is, the stock 201 that has entered (entered) the predetermined management place 200 is newly targeted as a collateral property, and the stock 201 that has been exited (sold out) by sales or the like is excluded from the subject of collateral. Even in the inventory 201 in the predetermined management place 200, only a specific product type may be subject to collateral.

  Conventionally, in general, when there are a large number of collateral properties, for example, as an identification means, for example, the stock stored in a predetermined management place 200 is assumed to be secured by transfer collateral. In the case where the management place 200 is clearly shown on paper or the boundary of the management place 200 is not clear, a paper to that effect is attached to each collateral property. In the ABL business support system 1 according to the present embodiment, as will be described later, by attaching an RFID tag 122 with a display function to the inventory 201, it is possible to display that the collateral is set and the execution status of the security right is displayed. It is possible to perform in real time according to the status of the project.

  The ABL business support server 100 is implemented by a computer system such as a server, and has a function for registering ABL projects and collateral properties (inventory 201) and their evaluation values, and a function for confirming status such as the location of collateral properties and evaluation value transitions. Each function that supports management operations related to ABL, such as an evaluation replacement function, a security property cancellation function, and a security right execution function. The ABL business support server 100 includes, for example, a base unit 110 implemented by a software program, an RFID tag control unit 120, a management unit 130, an inventory management unit 140, each unit of the ABL management unit 150, an inventory management DB 141, and an ABL management DB 151. Each database.

  The base unit 110 includes an OS (Operating System) (not shown), middleware such as a database management program and a Web server program, and provides the system base function of the ABL work support server 100. For example, a user of the financial institution 300 or the company 400 accesses the Web server program of the base unit 110 via software such as a Web browser on a client terminal, and uses the functions provided by the ABL management unit 150 to execute the ABL. Can perform such business.

  The RFID tag control unit 120 controls the reader / writer 121 installed in the management place 200 based on an instruction from the management unit 130 described later, whereby the RFID tag 122 and the reader / writer 121 attached to the stock 201 are controlled. A function of performing wireless communication with each other. The reader / writer 121 is connected to the ABL business support server 100 and receives (reads) ID information transmitted from the RFID tag 122 through wireless communication based on an instruction from the RFID tag control unit 120. The information is transmitted to the support server 100 and has a function of transmitting (writing) information instructed to the RFID tag 122 by wireless communication.

  The management unit 130 functions to instruct the RFID tag control unit 120 to acquire information from the RFID tag 122 attached to the inventory 201 or to rewrite information based on an instruction from the ABL management unit 150 described later. Have In addition, the information acquired from each RFID tag 122 via the RFID tag control unit 120 has a function of converting the format into a predetermined format and passing it to an inventory management unit 140 described later.

  The inventory management unit 140 updates the contents of the inventory management DB 141 based on the information acquired from each RFID tag 122 via the management unit 130 and the RFID tag control unit 120, and the location of the inventory 201 including the collateral property (management location 200). ) Inventory management function for managing information related to In the inventory management DB 141, for example, for each RFID tag 122, the ID information, the product code for identifying the product to which the RFID tag 122 is attached, the update time stamp, and the event information that triggered the acquisition of the information In addition to the above, for example, a location code for identifying the location (management location 200), GPS (Global Positioning System) information, and the like are held as information regarding the location of the stock 201.

  The ABL management unit 150 stores information on the ABL cases registered from the financial institution 300, information on the inventory 201 as collateral items registered from the company 400, and history of evaluation values of the collateral items registered from the financial institution 300. By identifying and managing the contents of the ABL management DB 151 that holds the information included and the contents of the inventory management DB 141 of the inventory management unit 140, the collateral property that is the target of each ABL project is identified, and its location and evaluation value It has a function of grasping / managing the state of the change and the like and supporting a series of operations related to the ABL case by the users of the financial institution 300 and the company 400.

  In the ABL management DB 151, for example, for each product code that identifies the stock 201 that is a collateral, information for identifying an item such as a proposal document ID as information on an ABL item, a company code for identifying a loan destination company 400, Information such as credit line, evaluation value at the time of evaluation of collateral, expenses, collateral item, estimated disposal amount, loan amount, product (collateral) type, etc. are retained. Thereby, it is possible to manage the information of the inventory management DB 141 and the information of the ABL item in association with each other using the product code for identifying the collateral property (inventory 201) as a key.

  It should be noted that the location information of the target collateral property in the inventory management DB 141 and the ID information of the RFID tag 122 attached thereto are taken into and stored in the ABL management DB 151, which is necessary in the ABL management DB 151. It is good also as a structure from which all the information is obtained. In this embodiment, the ABL management unit 150 includes the inventory management unit 140. However, the inventory management unit 140 is independent of, for example, the ABL business support server 100 or an external system / server. It is also possible to use an existing inventory management system that operates.

  In communication between the RFID tag 122 attached to the stock 201 and the reader / writer 121, generally, each RFID tag 122 uses its own ID information as a trigger triggered by a call from the reader / writer 121 or the like. Transmit to the reader / writer 121. Based on the ID information, each RFID tag 122 (and the inventory 201 to which the RFID tag 122 is attached) is identified and the location thereof is grasped.

  Note that the RFID tag 122 has a built-in battery and an active type that mainly operates by obtaining power from this battery, and a radio wave output from the reader / writer 121 without a built-in battery. There is a passive type that operates by acquiring the source oscillation of the carrier wave. In this embodiment, since the accuracy is high and the communication distance is long, information can be acquired efficiently and accurately, and various functions other than transmission of ID information are realized on the RFID tag 122 side. It is desirable to use the active type.

  The RFID tag 122 according to the present embodiment has functions such as a management unit 130 in addition to a product recognition function that enables identification of attached products by transmitting its own unique ID information through wireless communication. Information received from the ABL management unit 150 via the wireless communication from the reader / writer 121 and held, and the contents are displayed in real time. As the RFID tag 122 having the display function, for example, there is one having a display unit using so-called electronic paper or the like. Moreover, you may have a position recognition function which makes it possible to identify the location of RFID tag 122 and the goods etc. which attached this by receiving GPS information.

[Mobility secured loan business]
Hereinafter, the processing contents of the ABL work by the ABL work support system 1 of the present embodiment shown in FIG. 1 will be described. In the ABL business support system 1, (1) a registration function for specifying and registering a collateral property (inventory 201) to be managed, (2) a location (existence) and a change in value of a collateral property owned by the company 400 Confirmation function to confirm, (3) Revaluation replacement function to change the evaluation amount and credit line according to the state of market fluctuations, damage or loss of collateral, (4) Collateral that was managed based on the end of ABL There are five functions: a cancellation function for canceling the property, and an execution function for clearly indicating the execution status of the collateral right on the collateral property, and the ABL operation is performed by these functions. Note that these functions are mainly executed by the ABL management unit 150 (and the inventory management unit 140).

[Registration function]
FIG. 2 is a diagram for explaining an example of processing contents of the registration function. First, a user of a financial institution 300 as a lender accesses the ABL business support server 100 using a client terminal, and registers basic information of the project such as a company code, an approval document ID, a credit line, etc. To do. These pieces of information are registered in the ABL management DB 151 by the ABL management unit 150. At this time, the ABL management unit 150 may number the case ID and associate it with the above information and register it in the ABL management DB 151.

  Next, the user of the borrower's borrowing company 400 similarly accesses the ABL business support server 100 using the client terminal, and identifies the stock 201 that is the collateral for the information of the target case. Information identifying the collateral property is additionally registered, such as the product code and ID information of the RFID tag 122 associated with the product code, the product type of the collateral property, and information on the management location 200 where the collateral property is stored. These pieces of information are similarly registered in the ABL management DB 151 by the ABL management unit 150. Note that the product code for identifying the collateral property and the ID information of the RFID tag 122 can be collectively registered by taking in a data file or the like when there are a large number of targets.

  Next, the user of the financial institution 300 additionally registers evaluation information such as the current evaluation amount, expenses, and collateral items of the collateral property with respect to the information of the target case. Such information can be calculated based on, for example, an evaluation amount by a third-party property evaluation company or the like. Thereafter, the loan amount to the company 400 for the target project is registered. The loan amount is regularly updated and registered based on the latest information. Through the above processing, the collateral property (inventory 201) to be managed can be specified and registered in the ABL business support server 100.

[Confirmation function]
FIG. 3 is a diagram illustrating an example of the processing content of the confirmation function. First, the ABL business support server 100 acquires the ID information or product code and time stamp information received by the reader / writer 121 from the RFID tag 122 attached to each stock 201, and stores the acquired information in the stock management DB 141. sign up. Next, the ABL business support server 100 specifies the location (management location 200) of each stock 201 (RFID tag 122 attached to each stock 201) based on the information registered in the stock management DB 141.

  In order to specify the location (management location 200) of each stock 201 (RFID tag 122 attached to each stock 201), several methods are conceivable as shown in the example of FIG. FIG. 4A illustrates a target reader / writer for an RFID tag 122 that has transmitted a radio wave in response to ID information in response to a call signal from the reader / writer 121 (which the reader / writer 121 has received). An example is shown in which 121 is identified as existing in the management place 200 in which it is installed. In this pattern, for example, when the management place 200 is the entire warehouse, all the stocks 201 to which the RFID tags 122 in a range capable of wireless communication with the reader / writer 121 exist are all in the management place 200. It can be used when it is necessary to handle it.

  FIG. 4B shows that the RFID tag 122 can receive GPS information and transmit it to the reader / writer 121. Based on the position information obtained from the GPS information acquired from each RFID tag 122, The example in the case of determining the management place 200 where the RFID tag 122 exists is shown. At this time, the range (latitude / longitude range) of each management place 200 is defined in advance, and the position (latitude / longitude) of each RFID tag 122 obtained from the GPS information is included in the range of the target management place 200. It is determined whether or not it exists in the target management place 200. This pattern depends on the accuracy of the GPS information, but when the management location 200 is limited to a predetermined range (area) (reader / writer even between the RFID tag 122 existing outside the target management location 200) 121 is available for communication).

  In FIG. 4C, event information or the like that triggers the RFID tag 122 to transmit ID information can be transmitted to the reader / writer 121, and based on the event information acquired from each RFID tag 122. In this example, it is determined whether or not the target RFID tag 122 exists in the target management place 200. At this time, the event generating device 202 that transmits event information for causing the RFID tag 122 to transmit ID information to an event occurrence location such as an entrance (entrance entrance) and an exit (exit exit) in the range of the management location 200 in advance. Set up.

  Each RFID tag 122 receives event information from the event generation device 202 installed at the event occurrence location when passing through each event occurrence location in the course of distribution, and receives the ID information and the received event information (for example, an entrance) "IN" in the case of, and "OUT" in the case of the exit) are transmitted to the reader / writer 121. Based on this event information, for example, from reception of “IN” event information to reception of “OUT” event information, the target RFID tag 122 is managed with the target reader / writer 121 installed. It can be determined that it exists in the place 200. This pattern can accurately determine whether or not the RFID tag 122 exists in the target management location 200 when the range of the management location 200 is narrow.

  Any of the three patterns shown in FIGS. 4A to 4C may be used according to the environmental conditions of the management place 200. In addition, it is possible to improve the accuracy of determination by using a combination of a plurality of these patterns as appropriate.

  In FIG. 3, after the information acquired from the RFID tag 122 attached to each stock 201 and the information of the location specified above (management location 200) are registered in the stock management DB 141, the ABL business support server 100 further performs ABL management. For each collateral property registered in the DB 151, the quantity, evaluation amount, and the like are aggregated based on information in the inventory management DB 141 and the contents of the ABL management DB 151 are updated.

  Thereafter, the user of the financial institution 300 (and the company 400) accesses the ABL business support server 100, refers to the information on the target case registered in the ABL management DB 151, and holds the secured property held by the company 400. The status of the collateral property such as the location (management location 200) of (inventory 201) and the transition of quantity and evaluation value is confirmed. At this time, information such as an evaluation amount held in the ABL management DB 151 may be updated as needed according to a correction instruction from a user of the financial institution 300 as necessary.

[Evaluation replacement function]
FIG. 5 is a diagram for explaining an example of processing contents of the evaluation replacement function. The user of the financial institution 300 accesses the ABL business support server 100, and with respect to the information of the target case registered in the ABL management DB 151, according to the state such as the market fluctuation or the damage / loss of the collateral property, Update and register evaluation information such as credit lines, evaluation amount, expenses, and collateral items. Such information can be calculated based on, for example, an evaluation amount by a third party property evaluation company or the like.

[Release function]
FIG. 6 is a diagram illustrating an example of processing content of the release function. The user of the financial institution 300 accesses the ABL business support server 100 and instructs the target case registered in the ABL management DB 151 to cancel the management of the collateral object based on the end of the case. . At this time, the release is performed by deleting the information of the target case from the ABL management DB 151 or updating the status. Not only the entire project but also individual products may be selected and designated so that the collateral can be instructed for each product.

[Execution function]
FIG. 7 is a diagram for explaining an example of processing contents of the execution function. The user of the financial institution 300 accesses the ABL business support server 100 and gives an instruction to execute a security right for the target case registered in the ABL management DB 151. Upon receiving the instruction, the ABL business support server 100 updates the status of the target case registered in the ABL management DB 151, for example, and sends information including content indicating that the security right is in the execution state to the reader / writer 121. To the RFID tag 122 attached to the target collateral property (inventory 201) and instructing the display of the fact that the collateral right is in the execution state.

  The RFID tag 122 that has received the instruction from the reader / writer 121 has a display function to ensure that the security right (inventory 201) to which the RFID tag 122 is attached is in a state of being executed, and movement is prohibited for maintenance. Clarify the wording that FIG. 8 is a diagram illustrating an example in which the security right execution state is displayed by the display function of the RFID tag 122. The execution state of the security right is displayed in the lower part of the display area, and this content is not normally displayed but can be displayed immediately by the above security right execution instruction. As a result, it is possible to prevent the target stock 201 from being inadvertently issued and to securely maintain the collateral property.

  In the middle of the display area, the fact that a security right is set for the inventory 201 attached with the RFID tag 122 and its contents (creditor, etc.) are displayed. Here, for example, when the target collateral property (inventory 201) is registered and specified by the processing of the registration function shown in FIG. 2, the ABL business support server 100 displays information including the contents of the registered case The RFID tag 122 attached to the target stock 201 is transmitted via the reader / writer 121 to instruct the target stock 201 to display that a security right is set. The RFID tag 122 that has received the instruction from the reader / writer 121 displays that the security right is set for the inventory 201 attached with the RFID tag 122 by the display function.

  Similarly, this information can be immediately changed according to an instruction from the ABL business support server 100, or can be hidden by leaving the management place 200 or canceling management of collateral. As a result, it is possible to clearly indicate that the target stock 201 is the target of ABL.

[Screen example]
FIG. 9 shows a client terminal of the financial institution 300 or the company 400 that is generated by the ABL management unit 150 of the ABL business support server 100 when the user uses the registration function, the evaluation change function, the cancellation function, or the execution function. It is the figure which showed the example of the management screen of the matter displayed on the top. When “new” is selected in the “item selection” section, a registration function for newly registering an ABL item is executed. In addition, if the target case is retrieved from the ABL management DB 151 and displayed by designating the “company code” and “approval ID” of the loan destination company 400 and pressing the “display” button, an evaluation replacement function is displayed. The release function or the execution function is executed.

  In the “Basic Information Input” section, each item such as “Company Code”, “Declaration ID”, “Credit Line”, “Loan Amount” is newly entered for the registration function, otherwise The contents registered in the ABL management DB 151 for the target case are displayed. In the “Property Information Input” section, information on “collateral (product) type”, “management location” for each collateral property, “evaluation value” and “disposal cost” of collateral property by a third party property evaluation company, etc. Each item such as the estimated amount and “collateral item” is newly input in the case of the registration function, and otherwise, the contents registered in the ABL management DB 151 for the target case are displayed. Further, for example, the amount calculated by the formula of “(evaluation amount) −“ disposal cost ”) ד collateralization item ”is displayed as“ expected disposal amount ”.

  By pressing the “Registration / Update”, “Purchase Execution”, and “Unlock Collateral” buttons at the bottom of the item displayed or entered on the screen, the registration function, evaluation change function, execution function, and release respectively. It is possible to instruct the ABL business support server 100 to execute the function.

  Also, in the “Property Information Input” section, by pressing the “Display” button or the “Display all” button for the “Details” information corresponding to each collateral property, detailed information about each collateral property or all collateral properties will be displayed. Can be displayed.

  FIG. 10 is a diagram illustrating an example of a detailed management screen that displays detailed information of the collateral property displayed from the management screen illustrated in FIG. 9. In the “collateral property” section, information on “company code”, “approval document ID”, “collateral type”, and “management place” registered in the ABL management DB 151 for the subject matter is displayed. Regarding the items of “collateral type” and “management place”, when the “display all” button is pressed on the management screen of FIG.

  In the “Property Detail” section, detailed information for each product code is acquired from the ABL management DB 151 and displayed for the collateral property including the past history. At this time, the period for displaying the history can be narrowed down by designating the “start date” and / or “end date”. As a list of collateral properties for the target period, the “product code”, “expected disposal amount” of the stock 201 that is the collateral property, the “date and time of receipt” and the “date and time of delivery” to the management location 200, the target collateral property (stock 201 Each item such as “tag ID” (ID information), “status”, and “remarks” of the RFID tag 122 attached to () is displayed.

  By pressing the “update” button in the lower row, the contents of the updated part can be reflected in the ABL management DB 151. In addition, by pressing a “read” button, it is also possible to read and register or update information in a batch from the data file.

  FIG. 11 is a diagram showing an example of a case confirmation screen generated by the ABL management unit 150 of the ABL business support server 100 and displayed on the client terminal of the financial institution 300 when the user uses the confirmation function. It is. In the “display selection” section, as a condition for selecting the target case or collateral property, the “company code”, “approval ID”, “collateral type”, “management location” of the loan destination company 400 are designated, Press the “Display” button. At this time, either “collateral type” or “management location” can be specified, and all the collateral types and management locations 200 can be targeted.

  By pressing the “display” button, the corresponding contents are acquired from the ABL management DB 151, and the result of totaling each collateral property or all collateral properties by month is displayed in the “trial calculation table display” section. The “Provisional calculation display” section includes, for example, “Inventory quantity”, “Inventory check date / time”, “Inventory turnover period”, “Inventory evaluation value”, “Inventory disposal cost”, “Disposal expected value”, “Credit line” , “Lending amount” and other items are displayed.

  Here, for example, “inventory evaluation value” is calculated by “number of inventory” × “evaluation value” of collateral, and “inventory disposal cost” is similarly calculated by “number of inventory” × “disposal cost”. “Expected disposal amount” and “loan amount” are displayed only for all collateral properties, and “estimated disposal amount” is (“inventory valuation amount” − “inventory disposal cost”) × “collateralization item” "Is the total value for each collateral, and" loan amount "indicates the loan amount at the time of the latest update of the target month. By referring to these pieces of information, the user of the financial institution 300 can grasp the transition of the evaluation value of the collateral property, and make a determination such as adjustment of the credit line or the loan amount, execution of the collateral right.

  As described above, according to the ABL business support system 1 of the present embodiment, the active RFID tag 122 having a display function is attached to the inventory 201 to grasp and manage its location and movement, and ABL management By managing the database in association with information on ABL projects in the DB 151, it is possible to efficiently grasp and manage the location of the collateral property and the transition of value, etc. It is possible to specify execution in real time. Thereby, it becomes possible for the financial institution 300 to implement ABL efficiently, and it can contribute to active development and spread of ABL.

  As mentioned above, the invention made by the present inventor has been specifically described based on the embodiment. However, the present invention is not limited to the embodiment, and various modifications can be made without departing from the scope of the invention. Needless to say.

  For example, in the present embodiment, by using the RFID tag 122 having a display function, it is possible to accurately grasp the location of the collateral property (inventory 201) and clearly indicate the collateral content and the execution state of the collateral right. However, for example, when the boundary of the management place 200 for storing the collateral property is clear and the collateral property (inventory 201) existing in the management place 200 can be easily identified and specified visually, The secured property (inventory 201) is attached with an RFID tag that does not have a display function, and a display device such as a display is installed at a predetermined location in the management location 200. Or the execution state of the security right may be displayed in a lump.

  INDUSTRIAL APPLICABILITY The present invention can be used for a personal property collateral lending business support system that supports a series of business processes from registration of a collateral property in real estate collateralized financing to grasping of a state and execution of collateral rights.

1 ... ABL business support system,
DESCRIPTION OF SYMBOLS 100 ... ABL business support server, 110 ... Base part, 120 ... RFID tag control part, 121 ... Reader / writer, 122 ... RFID tag, 130 ... Management part, 140 ... Inventory management part, 141 ... Inventory management DB, 150 ... ABL Management unit, 151... ABL management DB,
200 ... management place, 201 ... inventory, 202 ... event generator,
300 ... financial institutions,
400 ... companies,
500 ... Network.

Claims (6)

It is a property-collateralized loan business support system that supports the business processing of property-collateralized financing in which a financial institution lends to a company with stock as collateral,
Information on the property-collateralized loan project registered from the financial institution, information on the inventory that is the collateral property subject to the project registered from the company, and evaluation of the collateral property registered from the financial institution A property-secured loan management database having a property-secured loan management database that holds information including a history of value, and having a function of supporting management tasks related to property-secured loan;
An RFID tag attached to the inventory and having a function of transmitting its own unique ID information by wireless communication and a function of displaying information held by itself on its own display unit;
Installed at a management location where the inventory is stored, connected to the property-secured loan business support server, receives the ID information transmitted from the RFID tag by wireless communication, and transmits to the property-secured loan business support server And a reader / writer having a function of transmitting and writing information to the RFID tag by wireless communication based on an instruction from the property-assured loan business support server,
The property-secured loan business support server is
An inventory management unit having a function of managing the inventory by updating the contents of an inventory management database that holds information on the location of the inventory based on the ID information acquired from the RFID tag by the reader / writer;
By associating and managing the contents of the inventory management database and the contents of the movable collateral loan management database with information identifying the inventory that is the collateral property, the collateral property is specified, and the location of the collateral property and the And a personal property collateral loan management department that grasps and manages the transition of evaluation value,
The movable collateral loan management unit transmits information including the contents of the case to the RFID tag attached to the collateral property via the reader / writer, and the RFID tag that has received the information Display that a security interest has been set for the inventory marked with
In addition, when the execution of the security right is instructed from the financial institution, the movable collateral loan management unit sends information including content indicating that the security right is in an execution state via the reader / writer. The RFID tag that is transmitted to the RFID tag attached to the collateral property and receives the information displays that the collateral right is in an executed state with respect to the collateral property attached with the RFID tag. Movable collateral lending business support system. In the personal property secured loan business support system according to claim 1,
An electronic paper is used for the display part of the RFID tag. It is a property-collateralized loan business support system that supports the business processing of property-collateralized financing in which a financial institution lends to a company with stock as collateral,
Information on the property-collateralized loan project registered from the financial institution, information on the inventory that is the collateral property subject to the project registered from the company, and evaluation of the collateral property registered from the financial institution A property-secured loan management database having a property-secured loan management database that holds information including a history of value, and having a function of supporting management tasks related to property-secured loan;
An RFID tag attached to the inventory and having a function of transmitting its own unique ID information by wireless communication;
Installed at a management location where the inventory is stored, connected to the property-secured loan business support server, receives the ID information transmitted from the RFID tag by wireless communication, and transmits to the property-secured loan business support server And a reader / writer having a function of transmitting and writing information to the RFID tag by wireless communication based on an instruction from the property-assured loan business support server;
A display device installed at the management location, connected to the property-secured loan business support server, and displaying content instructed by the property-secured loan business support server;
The property-secured loan business support server is
An inventory management unit having a function of managing the inventory by updating the contents of an inventory management database that holds information on the location of the inventory based on the ID information acquired from the RFID tag by the reader / writer;
By associating and managing the contents of the inventory management database and the contents of the movable collateral loan management database with information identifying the inventory that is the collateral property, the collateral property is specified, and the location of the collateral property and the And a personal property collateral loan management department that grasps and manages the transition of evaluation value,
The movable collateral loan management unit sets a security right for the stock stored in the management place on the display device installed in the management place where the stock as the collateral is stored Is displayed,
In addition, when the execution of the security right is instructed by the financial institution, the movable collateral loan management unit is installed at the management place where the collateral property subject to the execution of the security right is stored A personal property mortgage lending business support system, wherein the display device displays that the security right is in an execution state. In the personal property secured loan business support system according to any one of claims 1 to 3,
The RFID tag is an active type with a built-in battery. In the personal property secured loan business support system according to any one of claims 1 to 4,
The RFID tag has a function of receiving GPS information and transmitting the GPS information together with the ID information to the property-assured lending business support server via the reader / writer,
Whether the position of the RFID tag is included in the range of the predetermined management location based on the position information obtained from the GPS information acquired from the RFID tag. To determine whether or not the inventory with the RFID tag is present at the target management location. In the personal property secured loan business support system according to any one of claims 1 to 5,
An event generating device that transmits event information serving as a trigger for transmitting the ID information to the RFID tag at an entrance and an exit of the management place,
The RFID tag has a function of receiving the event information transmitted from the event generating device, and transmitting the event information received together with the ID information to the personal property collateral lending business support server via the reader / writer. Have
Based on the event information acquired from the RFID tag, the property-collateralized loan business support server receives the event information when the RFID tag passes through the entrance and then passes through the exit. Until the information is received, it is determined that the inventory with the RFID tag is present at the management place where the reader / writer is installed.