JP2020003960A - Credit guarantee system - Google Patents

Abstract

To solve the problem in which when joining a transaction credit insurance for each credit, a number of insurance contracts is generated, commissions along with the contracts increase, and economic efficiency as a whole decreases.SOLUTION: To solve the above problem, a credit guarantee system is provided allowing groups such as enterprises and corporations conducting a guarantee service to conduct a credit guarantee service after conclusion of an inclusive contract of a transaction credit insurance with an insurance company. Provided is a credit guarantee system in which when a credit occurs, an assurance claim device owned by business operators such as marketers transmits an assurance claim in which the occurred credit information is included to a guarantee service device, and the guarantee service device that a group conducting a guarantee service has can execute insurance claim processing of a transaction credit insurance (assurance organization type transaction credit insurance, etc.) at a group rate based on the assurance claim.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a system for providing a guarantee service to a creditor in the event of default of the loan.

  Retailers, etc., who are the creditors of accounts receivable, are constantly exposed to irrecoverable risks. In the consumer retail business, the amount of receivables for each customer is not very large and does not threaten the continuity of the business. The number of irrecoverable cases that occur at a certain rate that cannot keep up with the expansion of the business scale suddenly becomes huge, and the risk of running out of cash on hand increases. Therefore, despite the situation where the scale of sales can be expanded, there is a possibility that the company will take a second step and miss the chance of expanding the business scale.

  Patent Document 1 discloses the following technique. This technology transfers credits from creditors, such as sales companies, who have taken out credit insurance to receivables, and the receivables issue bonds with high circulation, such as corporate bonds and commercial paper, and raise funds. It is a system for performing. With this technology, it becomes possible for a claimee to collectively transfer a plurality of claims, securitize them, and distribute them in the market. As a result of converting the receivables into highly liquid bonds, the receivables of the receivables are paid in a lump sum by the receivables of the receivables. Therefore, rapid expansion of business scale can be realized with relatively low risk.

JP 2003-22371 A

  However, in the scheme of the cited document, the insurance contract for trade credit insurance is a direct contract between the insurer and the sales company that is the receivable holder, so the receivables buyer collects a large number of receivables. A large number of insurance contracts have been issued by a large number of receivables, and from the perspective of the scheme as a whole, the commission burden on insurance contracts has reduced the overall risk-return economic efficiency.

  In view of the above, the present invention provides a credit guarantee system for a company such as a company or an association that provides a guarantee service to execute a credit guarantee service after concluding a comprehensive contract for trade credit insurance with an insurance company. In the event of a claim, the warranty claim device of the business entity such as the sales company sends the warranty claim containing the generated claim information to the guarantee service device, Based on the guarantee request, the insurance claim processing of the trade credit insurance treated as a group (guarantee agency type trade credit insurance, etc.) is executed. The insurance service device of the insurance company transmits insurance underwriting information to the guarantee service device according to the insurance claim processing. At the time of default, the guarantee request device generates default information, which is information on default, and transmits the default information to the guarantee service device. The guarantee service device generates insurance claim information based on the insurance underwriting information, and transmits this to the insurance service device. The insurance service device generates insurance payment information based on the insurance claim information and transmits the information to the warranty service device. The guarantee service device executes a process of generating security payment information based on the insurance payment information and transmitting the information to the warranty claim device.

  Specifically, as a first invention, a product or / and a service (hereinafter, referred to as “product etc.”) provided by a company identified by the company identification information in association with the company identification information is purchased by post-payment. A guarantee request receiving unit that receives a guarantee request requesting the purchaser to guarantee at least a part of the remaining debts in the event of default on the receivables, including receivables information that is information on receivables owned by the business operator And a warranty claim holding unit for holding the received warranty claim, a warranty claim browsing output unit for outputting the held warranty claim for viewing, and generating an insurance claim in association with the warranty claim based on the warranty claim. An insurance claim generation unit, an insurance claim transmission unit that sends the generated insurance claim to an insurance service device described below, and insurance associated with the insurance content according to the transmitted insurance claim. An insurance underwriting information receiving unit for receiving the insurance underwriting information, an insurance content browsing unit for browsing the insurance content associated with the insurance underwriting information, an insurance underwriting information holding unit for holding the received insurance underwriting information, and a received insurance Guarantee, based on the underwriting information, at least a portion of the non-performing obligation at the time of default of the receivable in connection with the business operator identification information and the guarantee request of the business operator identified by the business operator identification information in association with the business operator identification information. Service device having a guarantee information transmitting unit for transmitting guarantee information comprising: an insurance claim receiving unit for receiving an insurance claim transmitted from the warranty service device; and holding the received insurance claim. An insurance claim holding unit, an insurance claim output unit that outputs the held insurance claim, and an insurance underwriting information generation unit that generates insurance underwriting information based on the output insurance claim. An insurance service device having an insurance content holding unit for holding the insurance content to be written in the insurance underwriting information, an insurance underwriting information transmitting unit for transmitting the generated insurance underwriting information to the guarantee service device, and acquiring the business identification information. A company identification information acquisition unit, a credit information input receiving unit for receiving input of credit information, which is information relating to a bond owned by the business in association with the business identification information, and a credit information storage for storing the received credit information And a guarantee request transmitting unit for transmitting a guarantee request, which is information for requesting a guarantee including accumulated credit information, to the guarantee service device, and receiving guarantee information corresponding to the transmitted guarantee request from the guarantee service device. And a guarantee requesting device having a guarantee information output unit for outputting the received guarantee information.

  As a second invention, in addition to the configuration of the first invention, the guarantee request transmitting unit of the guarantee service device transmits a batch guarantee request which is a guarantee request including a plurality of claims information relating to a plurality of claims. The guarantee request transmitting unit of the guarantee request device includes a batch guarantee request transmitting unit that transmits a batch guarantee request that is a guarantee request including a plurality of claims information relating to a plurality of claims.

  As a third invention, in addition to the configuration of the second invention, the insurance claim generation unit of the warranty service device performs a batch insurance claim for claiming a lump-sum insurance against a plurality of warranty claims based on the batch warranty claim. The insurance claim transmitting unit includes a batch insurance claim transmitting unit that transmits the acquired batch insurance claim to the insurance service device, and the insurance underwriting information generating unit includes: Has a batch underwriting information acquisition unit that generates batch insurance underwriting information that is information to underwrite a batch insurance claim associated with each insurance content corresponding to each warranty claim, and the insurance underwriting information holding unit includes: Provided is a loan guarantee system having a batch insurance underwriting information holding unit that holds generated batch insurance underwriting information.

  Further, as a fourth invention, in addition to the configuration of the first invention, the present invention relates to a default that includes business operator identification information and residual debt information generated for a specific claim held by the business operator in case of default. An insurance claim that is an insurance claim based on underwriting information corresponding to a guarantee corresponding to a defaulted loan based on the generated default information, and a default information generating unit that generates default information that is information. An insurance claim information generation unit that generates information, an insurance claim information transmission unit that transmits the generated insurance claim information, and an insurance that receives insurance claim payment information that is information related to insurance payment according to the transmitted insurance claim information. A deposit payment information receiving unit, a deposit payment information generating unit for generating deposit payment information that is information relating to the deposit payment based on the received insurance payment information, A guarantee service device further including a deposit payment information transmitting unit for transmitting margin payment information, an insurance claim information receiving unit for receiving insurance claim information, and generating insurance claim payment information based on the received insurance claim information. An insurance service device further including an insurance payment information generation unit, and an insurance payment information transmitting unit for transmitting the generated insurance payment information, business identification information, and information on default including the remaining debt information. A default information generating unit that generates certain default information, a default information transmitting unit that transmits the generated default information, and a security payment information receiving unit that receives the security payment information that corresponds to the transmitted default information. And a guarantee requesting device further including a guarantee payment information output unit for outputting the received security payment information.

  Further, as a fifth invention, in addition to the configuration of the fourth invention, the claim is an installment claim, and the guarantee service device is configured to calculate a remaining note of the installment claim at the time of default. A deposit-dependent security deposit payment rule holding unit, which is a rule for generating information on the payment of the security deposit based on the remaining debt, wherein the security deposit payment information generation unit includes A bond guarantee system having remaining bond dependent guarantee payment information generation means for generating information relating to the payment of a security deposit based on the calculated remaining debt.

  According to the first invention having the above configuration, when a loan is generated in the business operator, an entity such as a company or an association that provides a guarantee service makes a claim for trade credit insurance based on the information on the credit, When underwriting is possible, it is possible to provide a guarantee service for the risk of irretrievability. The insurance claims here are made by companies or associations that have concluded a comprehensive insurance contract that treats the insurance company as a group. It is possible to perform processing.

  According to the second aspect of the present invention, it is possible to make a guarantee request by a batch process for a claim generated by a business, and to execute a guarantee request for a plurality of claims.

  According to the third invention, it is possible to make an insurance claim by batch processing based on the warranty claim acquired by the warranty service apparatus, and it is possible to execute a plurality of warranty claims at once.

  According to the fourth aspect of the invention, the guarantee service device can execute a process for claiming an insurance claim on a debt related to the debt at the time of default, and paying a guarantee deposit to a business which is a creditor of the insurance claim. It is.

  According to the fifth aspect, when the receivable is an installment receivable, it is possible to calculate a deposit based on a predetermined rule based on the remaining debt and execute a process for paying the deposit.

FIG. 4 is a diagram for explaining an outline of processing of the credit guarantee system according to the first embodiment. The figure showing an example of the functional structure of the claim guarantee system of Example 1. FIG. 4 is a diagram illustrating an example of information processing in a bond guarantee system in the bond guarantee system according to the first embodiment. FIG. 7 is a diagram illustrating an example of information processing of the credit guarantee system according to the first embodiment in an XML format. 11 is a flowchart illustrating an example of a processing flow in the credit guarantee system according to the first embodiment. FIG. 1 is a schematic diagram illustrating an example of a hardware configuration in a loan guarantee system according to a first embodiment. Schematic diagram showing the flow of processing when executing batch processing in the credit guarantee system of Embodiment 2. FIG. 4 is a schematic diagram illustrating an example of a hardware configuration in a loan guarantee system according to a second embodiment. FIG. 14 is a view for explaining an outline of processing of the credit guarantee system according to the third embodiment. The figure showing an example of the functional structure of the claim guarantee system of Example 3. FIG. 13 is a diagram illustrating an example of information processing in the event of default by the credit guarantee system according to the third embodiment in an XML format. 11 is a flowchart illustrating an example of a processing flow in the credit guarantee system according to the third embodiment. FIG. 9 is a schematic diagram illustrating an example of a hardware configuration in a loan guarantee system according to a third embodiment. The figure showing an example of the functional structure of the claim guarantee system of Example 4. 11 is a flowchart illustrating an example of a processing flow in the loan guarantee system according to the fourth embodiment. FIG. 14 is a schematic diagram illustrating an example of a hardware configuration of a loan guarantee system according to a fourth embodiment.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. The present invention is not limited to these embodiments at all, and can be implemented in various modes without departing from the gist thereof. The first embodiment will mainly describe claims 1, 9, 11, 13, 15, 17, 19, 21, and 23. The second embodiment will mainly describe claims 2 and 3. The third embodiment will mainly describe claims 4, 10, 12, 14, 16, 18, 20, 22, and 24. The fourth embodiment will mainly describe claim 5.

<< Example 1 >>
<Example 1 Overview of credit guarantee system>
FIG. 1 is a diagram showing an outline of the present embodiment. As shown in this figure, Party A, which is a purchaser who purchased a product, etc., Company A, which is a company such as a store, and a B guarantee service group that provides guarantee services to Company A, There is an insurance company C insurance company that has an insurance contract with a guarantee service organization. Party A purchases ring (0101) from Company A for 1.5 million yen by post-payment. As a result, 1.5 million yen of receivables will be generated in Company A. In the guarantee claim device (0102) of the A company, "company name: A company" as the company identification information and "commodity: ring, amount of receivables of 1.5 million yen, payment method: lump sum, payment date: 2018""September 30 ..." is accumulated by receiving an input from a terminal or the like. Next, the company identification information and the credit information are linked and transmitted as a guarantee request to the guarantee service device (0103) of the B guarantee service organization (1103). The guarantee service apparatus (0103) of the guarantee service group B receives the guarantee request as an input and generates an insurance claim associated with the guarantee request based on the received claim. For example, an insurance claim including a claim of 1.2 million yen, which is the same as the deposit amount, is generated as the insurance amount. This guarantee payment is calculated by calculating 80% of the 1.5 million yen of the claim amount of the guarantee claim. Here, 80% is a rate negotiated between the B guarantee service group and the A company. The generated insurance claim is transmitted to the insurance service device (0104) of the insurance company C (2). The insurance service device generates insurance underwriting information associated with the insurance contents (insurance amount: the same amount as the amount paid for the security deposit, the upper limit amount: 3 million yen ...) based on the insurance claim received and held. The insurance underwriting information includes a result of determination as to whether or not the insurance claim conforms to the conditions of the insurance content for which the insurance claim has been negotiated in advance. The generated insurance underwriting information is transmitted to the guarantee service device (0103) (3). Based on the received and held insurance underwriting information, the guarantee service device (0103) guarantees the business name: A business company, which is the business identification information, up to 1.2 million yen which is a part of the defaulted debt at the time of default. The information is transmitted to the guarantee requesting device (0102) of the A company in association with the information of the effect (4). The guarantee request device (0102) of the A company receives the guarantee information transmitted from the guarantee service device (0103). This completes the guarantee application process for the 1.5 million yen receivable generated by the A company. The acquired assurance information is output as a guarantee by an output device such as a printer, and is used as reference data when a financial institution receives a loan.

  In the following, the function and the flow of processing of the claim guarantee system of this embodiment, and the contents of hardware will be described in detail. The functional blocks of the system described below can be realized as a combination of hardware and software. Specifically, if a computer is used, a CPU (Central Processing Unit), a main memory, a bus, or a secondary storage device (a hard disk drive, a non-volatile memory, a storage medium such as a CD or a DVD, and the like) Read drive, etc.), input devices used for information input, hardware components such as printing equipment and display devices, and other external peripheral devices, as well as interfaces for external peripheral devices, communication interfaces, and control of those hardware Driver programs, other application programs, user interface applications, and the like. Then, by the arithmetic processing of the CPU according to the program developed on the main memory, data input from an input device or other interfaces and stored in the memory or the hard disk are processed and accumulated, and the above hardware and Instructions for controlling software are generated. Alternatively, the functional blocks of the present system may be realized by dedicated hardware.

  The present invention can be realized not only as a system but also as a method. Further, a part of the invention can be configured as software. Further, a program used for causing a computer to execute such software and a recording medium in which the program is fixed are naturally included in the technical scope of the present invention (the same applies throughout the present specification).

<Example 1 Claims Guarantee System Functional Configuration>
FIG. 2 is a diagram illustrating an example of a functional configuration in the loan guarantee system of the present embodiment. As shown in this figure, the loan guarantee system of the present embodiment includes a “guarantee service device” (0201), an “insurance service device” (0202), and a “guarantee claim device” (0203). The guarantee service device (0201) includes a "guarantee claim receiving unit" (0204), a "guarantee claim holding unit" (0205), a "guarantee claim browsing output unit" (0206), and an "insurance claim generation unit" ( 0207), “Insurance claim transmitting unit” (0208), “Insurance underwriting information receiving unit” (0209), “Insurance content browsing unit” (0210), “Insurance underwriting information holding unit” (0211), “Guarantee information transmitting unit” (0212). The insurance service device (0202) includes an “insurance claim receiving unit” (0213), an “insurance claim holding unit” (0214), an “insurance claim output unit” (0215), and an “insurance underwriting information generation unit” (0216). ), An “insurance content holding unit” (0217), and an “insurance underwriting information transmitting unit” (0218). The “guarantee claim device” (0203) includes a “business identification information acquisition unit” (0219), a “claim information input receiving unit” (0220), a “claim information storage unit” (0221), and a “guarantee request transmission”. Unit ”(0222),“ guarantee information receiving unit ”(0223), and“ guarantee information output unit ”(0224). In the present specification, the whole description will be made using the word “guarantee”, but the word “compensation” may be used instead of “guarantee” in the sense of filling in the loss. The essence of the present invention does not change by the method of adopting this word.

<Example 1 Claim guarantee system>
As described above, the “claims guarantee system” includes the “guarantee service device” (0201), the “insurance service device” (0202), and the “guarantee claim device” (0203).

<Example 1 Warranty service device>
The “guarantee service device” (0201) is installed in an organization that provides a warranty service, receives an assurance request transmitted by a “guarantee request device” (0203) described later, generates an insurance claim, and generates an “insurance service” described later. It has a function of transmitting to the “device” (0202). Further, it has a function of receiving insurance underwriting information from the insurance service device (0202), generating guarantee information, and transmitting the guarantee information to the warranty claim device.

  Note that these devices do not necessarily need to exist in an organization that provides a guarantee service, an insurance company, or a business office, and provide the functions and storage areas of these devices at a base provided on the Internet. May be present. The same applies to the configuration requirements of the device described below, and only a part of the configuration requirements may exist on the cloud. Further, these three devices do not need to physically exist as three servers, and may be realized on one, two, or four or more servers.

<Example 1 Warranty service device Warranty claim receiving unit>
The “guarantee claim receiving unit” (0204) purchases goods and / or services (hereinafter referred to as “products, etc.”) provided by the business entity identified by the business entity identification information in association with the business entity identification information by post-payment. It has a function to receive a guarantee request from the purchaser, which includes claim information, which is information on the claim held by the business operator, and requests that at least a part of the remaining notes be guaranteed in the event of default on the claim. As a specific example of the guarantee claim, as shown in FIG. 1, "business name: A company" as business identification information, "product: ring", "claim amount: 1.5 million yen", and "payment" as credit information. Method: lump sum "," Payment date: September 30, 2018 ", and the like. Here, the guarantee requested by the guarantee request may be executed within a guarantee frame given in advance by a guarantee service organization to a business company or the like as a creditor. In other words, this unit or the insurance claim generation unit described below has a configuration that enables processing to determine whether the total amount of the claims included in the guarantee claims for each business company is within the set guarantee frame. May be. The guarantee request transmitted by the guarantee request device (0203) is received as an input and stored in the guarantee request holding unit (0205) described later. In the reception mode, in addition to directly receiving the guarantee request as data through the communication network, the operator of the B guarantee service group logs in to the guarantee request device (0203), confirms the guarantee request data, and stores the guarantee request data (0205). It is possible to store it in Hereinafter, in this specification, transmission / reception between a transmission unit and a reception unit is not limited to a mode in which information is directly exchanged using a communication network, and an operator on the reception unit side accesses a device having a transmission unit using a terminal or the like. A mode of acquiring information output to an output device such as a display is also included in the “reception”. The function of the headquarters is held in the RAM, and is realized by a guarantee request receiving program executed by the CPU, a network I / F, and the like.

<Example 1 Warranty Service Device Concept of Warranty Frame>
The concept of “guarantee frame” will be described. The guarantee frame is an agreement signed between the business operator and a person who operates the warranty service (for example, a manager of the warranty service device, a user of the warranty service device), and each time a loan is generated by the business operator. Rather than making a warranty claim and individually entering into a guarantee contract, we anticipate the claims that will be generated in the future and, if the predicted claims occur in the future, if the claims are within the expected range Rather than re-contracting, it is a form in which the contract is naturally realized as a contract already reserved. Therefore, if both the claimant and the claimant can confirm that the guarantee for the newly generated claim satisfies the conditions stipulated in advance when setting the guarantee frame, the guarantee contract for the claim is automatically established and the guarantee is guaranteed. The business that is the claimant naturally has the right to make a guarantee in the event of default, and the party to be guaranteed is obliged to make a guarantee in the event of default.
When the guarantee service apparatus functions in the guarantee frame setting type, the guarantee service device determines whether or not a guarantee claim satisfies the conditions for setting the guarantee frame. This determination is made by the insurance claim generation unit.

<Example 1 Guarantee service device Insurance concept>
“Insurance frame”: When a guarantee is made in the form of setting a guarantee frame, insurance claims are often set in advance in the form of an insurance frame according to a certain guarantee frame. In this manner, when setting an insurance quota for a guarantee quota, a reservation contract is also made in accordance with the setting of the guaranty quota in such a way that, if the guaranty conditions are satisfied in advance, insurance for the future guaranty will be underwritten. . Therefore, when generating an insurance claim based on a warranty claim made within the guarantee frame, if the warranty claim is within the set frame, it must be within the insurance frame provided according to the set frame. Therefore, an insurance claim using the insurance frame is automatically generated. The insurance claim within the automatically generated insurance frame is confirmed by the insurance service device to be within the insurance frame, and insurance underwriting information is generated. Whether the insurance claim is within the insurance frame is automatically made by the insurance underwriting information generation unit of the insurance service device.

<Example 1 Warranty service device Warranty claim holding unit>
The “guarantee claim holding unit” (0205) has a function of holding the received warranty claim. The guarantee request is received from the guarantee request acquisition unit (0204) and stored in the storage area. The function of the headquarters is realized by a volatile memory such as a RAM or a nonvolatile memory such as a hard disk.

<Example 1 Warranty Service Device Output Unit for Viewing Warranty Claim>
The “guarantee claim browsing output unit” (0206) has a function of outputting the held warranty claim for browsing. It accesses the warranty claim holding unit (0205) and outputs the stored warranty claim data via an output device such as a display or a printer. The function of the headquarters is held in the RAM, and is realized by an output program for browsing a guarantee request executed by the CPU, an output device such as a display and a printer.

<Example 1 Warranty service device Insurance claim generation unit>
The “insurance claim generation unit” (0207) has a function of generating an insurance claim in association with the warranty claim based on the warranty claim. An “insurance claim” is a request to conclude an insurance underwriting contract. Specifically, this is a request for an underwriting agreement that promises to pay at least a portion of the guarantee amount in the event of a default guarantee that claims a guarantee in a guarantee request. “Generating an insurance claim” refers to a process of executing a process on information included in a warranty claim based on a predetermined rule to generate information for making an insurance claim. Explaining with reference to FIG. 1, “business name: A company”, “product: ring”, “receivable amount: 1.5 million yen”, “payment method: lump sum”, “payment date: September 30, 2018” Based on a warranty claim that includes a combination of one or more information (such as creditor name, creditor address, creditor's bank account number, creditor's phone number, creditor's my number, etc.) An insurance claim including “a billing amount: 1.2 million yen” is generated. The “predetermined rule” used here is determined according to one or more of, for example, a business entity, a credit amount, a type of a sold product or service, a debt payment method, debtor information, and the like. The company information corresponds to the credit and rating of the company itself, the amount of receivables corresponds to, for example, which zone is in units of 100,000 yen, and the types of products and services sold include daily necessities. , Favorite goods, hobby goods, brand goods, etc., and the debt payment methods include lump-sum payment, monthly payments of 6, 12 and 24 months, and the debtor information includes: Credit information of the purchaser of the product or service is applicable. Then, according to these parameters, what percentage of the guarantee amount is assumed as insurance, insurance conditions, and the like are determined. Thus, for example, "the insurance claim amount is equal to the amount paid for the security deposit". This rule is predetermined when the insurance contract between the B guarantee service organization and the C insurance company is concluded, and is stored in the storage area. Is stored. The generated insurance claim is sent to the insurance claim transmitting unit (0208). The functions of the headquarters are realized by an insurance claim generation program stored in the RAM and executed by the CPU. Further, it may be configured so that the amount of the fee for the guarantee is charged to the company A at the same time as the generation of the insurance claim. For example, the guarantee service device may include a guarantee amount generation unit that generates a guarantee amount based on a predetermined rule using information similar to the insurance claim process.

<Example 1 Warranty service device Insurance claim transmission unit>
The “insurance claim transmitting unit” (0208) has a function of transmitting the acquired insurance claim to the insurance service device (0202). The transmission executes a process of transmitting data to the insurance claim receiving unit (0213) of the insurance service device (0202) via the communication network. The function of the headquarters is realized by an insurance claim transmission program stored in the RAM and executed by the CPU, a network I / F, and the like.

<Example 1 Warranty service device Underwriting information receiving unit>
The “underwriting information receiving unit” (0209) has a function of receiving insurance underwriting information associated with insurance content in accordance with the outputted insurance claim. The insurance underwriting information generated by the insurance service device (0202) is received from the insurance underwriting information transmitting unit (0218) through a communication network or the like. Alternatively, a process in which the operator accesses the insurance service device (0202) using the terminal device of the guarantee service group and acquires the insurance underwriting information output to a device such as a display by the insurance underwriting information transmitting unit (0218) may be considered. "Insurance underwriting information" is a judgment of whether or not the contents of an insurance claim are those specified in an insurance contract (meaning a contract undertaking insurance in the future under predetermined conditions). As a result, the information is generated by the “underwriting information generation unit” (0216) described later. Insurer C undertakes insurance for payment of a monetary amount corresponding to at least a part of the guarantee paid in executing guarantee by B guarantee service group for default by customer of A company. This is information for notification. Therefore, the transmission of this notification allows the B guarantee service organization to confirm that insurance has been underwritten. As a specific example of “insurance underwriting information”, “subject: A company → OK”, associated insurance contents are “insurance amount: deposit amount of 1.2 million yen → OK”, “insurance upper limit amount” : 3 million yen / one guarantee → OK ”,“ Insurance premium: 5% of receivable amount → OK ”,“ Insurance payee: B guarantee service group ”, and the like. The functions of the headquarters are realized by an insurance underwriting information receiving program stored in the RAM and executed by the CPU, a network I / F, and the like.

  If the insurance is underwritten, the underwriting information is received, but if the insurance cannot be underwritten, the information that the underwriting information is not received or the underwriting information is included in the underwriting information is included. And receive it. The basis for determining that insurance will not be underwritten includes cases where the contents of the insurance claim do not meet the conditions set forth in the insurance contract and described above, but the insurance company may also make its own Alternatively, the case where access to credit information or the like held by another company is determined to reject the underwriting is also included. For example, if A purchased the goods from A's company, the creditor, had previously caused an accident in a transaction with another company, or it was found that A had a serious criminal record. It is.

  The insurance underwriting information may include an underwriting rank such as “A, B, C”. For example, it is conceivable that the insurance amount is determined such that the rank A is 90% of the deposit paid, the rank B is 80%, and the rank C is 70%. These ranks may be determined and assigned to creditors. Further, it may fluctuate depending on various factors such as the information of the business company, the contents of the receivable, for example, information on the traded product, the purchaser, and the payment conditions. As already described for the warranty service device, underwriting according to one or more of, for example, the rating of the company, the credit bureau of the company, the amount of receivables, the type of goods and services sold, the method of paying debts, the debtor information, etc. It is also possible to configure so that the rank is determined. The company information corresponds to the credit and rating of the company itself, the amount of receivables corresponds to, for example, which zone is in units of 100,000 yen, and the types of products and services sold include daily necessities. , Favorite goods, hobby goods, brand goods, etc., and the method of paying debts includes lump-sum payment, monthly payments of 6 months, 12 months, 24 months, etc., and the debtor information includes: Credit information of purchasers of goods and services (bank credit database information, occupation type of purchaser, age of purchaser, sex of purchaser, whether the purchaser is married, whether the purchaser has dependents, Rented or owned by the owner, etc.).

<Example 1 Warranty Service Device Insurance Content Viewing Unit>
The “insurance content browsing unit” (0210) has a function for browsing the insurance content associated with the received and held insurance underwriting information. “Insurance content” is information held in association with insurance underwriting information, and is information indicating that insurance has been underwritten under the conditions included in this information. That is, it is information with a certification that has been examined by the insurance service device (0202) and the result of the examination has been added. “Browsing” refers to visually confirming the insurance content output to a device such as a display or a printer. The insurance content is included in the insurance underwriting information, and the insurance content is browsed by referring to the insurance underwriting information holding unit (0211) described later, and the insurance content holding unit (0217) of the insurance service device is referred to. And browsing the insurance content. The function of the headquarters is realized by an insurance content browsing program stored in the RAM and executed by the CPU and an output device such as a display. The insurance content that can be browsed in the insurance content browsing unit may be the received insurance underwriting information, or may be browsed as insurance content including information associated with the received insurance underwriting information. Is also good. In other words, the insurance underwriting information is information composed of a set of identifiers, and the insurance content browsing unit stores Japanese (or may include various languages) corresponding to each identifier in the insurance content information storage unit or the like. When browsing, a description in Japanese associated with the identifier may be displayed and printed.

<Example 1 Warranty service device Insurance information storage unit>
The “underwriting information holding unit” (0211) has a function of holding the received insurance underwriting information. Specifically, the insurance underwriting information received by the insurance underwriting information receiving unit (0209) is stored in the storage area of the guarantee service device (0201). The function of the headquarters is realized by a volatile memory such as a RAM or a nonvolatile memory such as a hard disk.

<Example 1 Warranty service device Warranty information transmission unit>
The “guarantee information transmitting unit” (0212) requests the assurance request of the company identified by the company identification information and the company identification information in association with the company identification information based on the acquired insurance underwriting information. It has a function of transmitting guarantee information consisting of information for guaranteeing at least a part of a defaulted debt when a debt defaults. As shown in FIG. 1, as specific examples of the “guarantee information”, “business name: A company” is used as business identification information, and information indicating that at least a part of the defaulted debt is guaranteed at the time of default. "Examination result: OK", "Guarantee amount: 1.2 million yen", and the like. Here, as a predetermined rule, “guarantee amount is 80% of the amount of the receivable” is applied, and the guarantee amount is determined. When guarantee information is transmitted for each insurance amount receivable, “guarantee target product: ring” is added. The function of the headquarters is realized by a guarantee information transmission program stored in the RAM and executed by the CPU, a network I / F, and the like.

<Example 1 Insurance service device>
The “insurance service device” (0202) is installed in an insurance company or the like, receives an insurance claim from the guarantee service device (0201), generates insurance underwriting information in accordance with the claim, and sends the insurance underwriting information to the guarantee service device (0201). It has the function of transmitting.

<Example 1 Insurance Service Device Insurance Claim Receiving Unit>
The “insurance claim receiving unit” (0213) has a function of receiving the insurance claim transmitted from the guarantee service apparatus (0201) in the insurance service apparatus (0202). The reception is executed by receiving the insurance claim data transmitted from the insurance claim transmitting unit (0208) of the warranty service device (0201) using the communication network. The function of the headquarters is realized by an insurance claim receiving program stored in the RAM and executed by the CPU, a network I / F, and the like.

<Example 1 Insurance Service Device Insurance Claim Holding Unit>
The “insurance claim holding unit” (0214) has a function of holding the acquired insurance claim. The function of the headquarters is realized by a volatile storage medium such as a RAM or a nonvolatile storage medium such as a hard disk.

<Example 1 Insurance Service Device Insurance Claim Output Unit>
The “insurance claim output unit” (0215) has a function of outputting the insurance claim held in the insurance claim holding unit (0214). "Output" refers to a process of outputting insurance claim data to the insurance underwriting information acquisition unit (0216) described later. The function of the headquarters is realized by an insurance claim output program stored in the RAM and executed by the CPU.

<Example 1 Insurance Service Device Insurance Underwriting Information Generation Unit>
The “underwriting information generation unit” (0216) has a function of generating insurance underwriting information based on the insurance claim made. Examples of insurance underwriting information have been described above. "Based on insurance claims" means that it is determined whether insurance can be undertaken with reference to insurance claim data, and if insurance can be underwritten, the possible insurance claim data This means that a process of adding information to that effect is performed. In the case where it is impossible to underwrite insurance, information indicating that fact may be generated as underwriting information, or the underwriting information itself may not be generated. The functions of the headquarters are realized by an insurance underwriting information generation program stored in the RAM and executed by the CPU.

<Example 1 Insurance Service Device Insurance Content Holding Unit>
The “insurance content holding unit” (0217) has a function of holding the insurance content to be underwritten in the insurance underwriting information. The information of the insurance content is acquired from the insurance underwriting information generated by the insurance underwriting information generating unit (0216), and is stored and held in a storage area. The functions of the headquarters are realized by nonvolatile storage such as a RAM and nonvolatile storage such as a hard disk.

<Example 1 Insurance Service Device Insurance Underwriting Information Transmission Unit>
The “underwriting information transmitting unit” (0218) has a function of transmitting the acquired insurance underwriting information to the guarantee service device (0201). The transmitted insurance underwriting information is received by the insurance underwriting information receiving unit (0209) of the guarantee service device (0201). The functions of the headquarters are realized by an insurance underwriting information transmission program stored in the RAM and executed by the CPU, a network I / F, and the like.

<Example 1 Warranty claim device>
The “guarantee claim device” (0203) is installed at the establishment of a business that handles products and services to be guaranteed, receives input of credit information, associates the information with the business operator identification information, and as a warranty claim, obtains a guarantee service device. (0201). Also, it has a function of receiving and outputting guarantee information from the guarantee service device (0201).

<Example 1 Warranty claim device Business identification information acquisition unit>
The “enterprise identification information acquisition unit” (0219) has a function of acquiring the enterprise identification information. The business operator identification information is information for specifying a sales company or the like who wants a guarantee. For example, when the guarantee service is a membership system, a unique ID or the like assigned by the guarantee service organization to the member company corresponds to the business operator identification information. The function of the headquarters is realized by a business identification information acquisition program stored in a RAM and executed by a CPU.

<Example 1 Warranty Claim Device Claim Information Input Receiving Unit>
The “receivable information input receiving unit” (0220) has a function of associating with the business identification information to receive the input of the bond information, which is information relating to the bond owned by the business. As shown in FIG. 1, examples of the bond information include “product: ring”, “bond amount: 1.5 million yen”, “payment method: lump sum”, “payment date: September 30, 2018”, and the like. Can be “Accept input” refers to a process of accepting input of credit information by an input device such as a keyboard, a mouse, and a POS barcode reader. The functions of the headquarters are realized by the input device described above, a credit information input reception program stored in the RAM and executed by the CPU, an input device such as a keyboard, and the like.

<Example 1 Warranty Claim Device Claim Information Storage Unit>
The “claims information storage unit” (0221) has a function of storing the received claims information. A process of storing the credit information input and received by the credit information input receiving unit (0220) in a storage area is executed. The function of the headquarters is realized by volatile storage such as RAM and non-volatile storage such as hard disk.

<Example 1 Warranty Claim Device Warranty Claim Transmitter>
The “guarantee request transmission unit” (0222) has a function of transmitting a guarantee request, which is information for requesting a guarantee including accumulated credit information, to the guarantee service device. “Transmission” refers to a process of transmitting guarantee request data to the guarantee request acquisition unit (0204) of the guarantee service device (0201) via a communication network or the like. The functions of the headquarters are realized by a guarantee request transmission program stored in the RAM and executed by the CPU, a network I / F, and the like.

<Example 1 Warranty Claim Device Warranty Claim Receiving Unit>
The "guarantee information receiving unit" (0223) has a function of receiving the warranty information corresponding to the output warranty request from the warranty service device. The guarantee information data is acquired from the guarantee information output unit (0212) of the guarantee service device (0201). The receiving mode is a process of receiving guarantee information data from the guarantee information transmitting unit (0212) of the guarantee service device (0201) via a communication network or the like. The functions of the headquarters are realized by a guarantee information receiving program stored in RAM and executed by the CPU, a network I / F, and the like.

<Example 1 Warranty Claim Device Warranty Information Output Unit>
The “guarantee information output unit” (0224) has a function of outputting the obtained guarantee information. The output here indicates that the guarantee information is displayed or printed on a screen or a paper medium by a display or a printer. The functions of the headquarters are realized by a guarantee information output program stored in the RAM and executed by the CPU, and an output device such as a printer or a display.

<Example 1 Receivables Guarantee System Summary>
FIG. 3 is a diagram illustrating an example of information processing in the credit guarantee system according to the present embodiment. As shown in this figure, first, a guarantee claim is generated in the guarantee claim apparatus using the business operator identification information and the input credit information. The name of the company, product, amount of receivables, payment method, payment date, etc. are included in the guarantee claim. The warranty service device receives these warranty claims and executes insurance claim generation processing. Specifically, the insurance claim amount is the same amount as the guarantee amount (determined to be 1.2% yen, which is 80% of the receivable amount), the insurance fee is acquired, and the insurance payee is acquired. And so on to generate an insurance claim. The insurance claim is transmitted to the insurance service device, and the insurance underwriting information generating process is executed. Here, a process of examining whether each item in the insurance claim conforms to the contract conditions agreed in advance is executed. The generated insurance underwriting information includes the results of the examination of each item. The insurance underwriting information is transmitted by the insurance service device and received by the guarantee service device. In the guarantee service device, insurance information generation processing is executed. Specifically, a process of acquiring a security deposit payee, a process of acquiring a guarantee target product, a process of acquiring an examination result included in insurance underwriting information, and the like are executed. The generated assurance information is transmitted to the assurance request device, and the assurance request device receives this. The received assurance information is documented and output from an output device such as a printer in the form of a guarantee.

  FIG. 4 is a diagram illustrating an example of information processing of the credit guarantee system according to the present embodiment in an XML format. As shown in this figure, a guarantee service 001 (FIG. 4A) is generated in the guarantee service device. First, "A business company", which is the main claimant, is included as the business name as the business identification information. In addition, the credit information includes a product “ring”, a credit amount “1.5 million yen”, a payment method “collective”, and a payment date “September 30, 2018”. The guarantee request 001 is sent to the guarantee service device. The warranty service apparatus generates an insurance claim 001 (FIG. 4 (2)) based on the warranty claim 001. The insurance claim 001 includes “guarantee claim 001” as the corresponding guarantee claim ID, “guarantee amount” as the insurance amount, that is, the same amount as the guarantee amount, “3 million yen” as the insurance premium, and “3,000,000 yen” as the insurance premium. 5% of the amount of receivables "and" B guarantee service organization "as the payout destination. This insurance claim 001 is sent to the insurance service device. In the insurance service device, insurance underwriting information 001 (FIG. 4C) is generated based on the insurance claim 001. The insurance underwriting information includes “insurance claim 001” as the corresponding insurance claim ID and the insurance content. In the insurance content tag, an <OK> flag or an <NG> flag is added to the corresponding insurance claim item of insurance claim 001 as determination result information on whether or not the insurance claim item is appropriate in light of the insurance contract. As shown in the figure, the insurance underwriting information 001 to which the flag is assigned is sent to the guarantee service device. In the guarantee service device, the guarantee information 001 (FIG. 4 (4)) is generated based on the insurance underwriting information 001. The guarantee information 001 includes “underwriting information 001” as the corresponding insurance underwriting information, and “guarantee request 001” as the corresponding guarantee request. The company identification information includes information such as a company name “A company”, a guarantee amount “1.2 million yen”, and a guarantee target product “ring”. This guarantee information 001 is sent to the guarantee request device.

<Process flow>
FIG. 5 is a flowchart illustrating an example of a processing flow in the loan guarantee system of the present embodiment. As shown in this figure, the insurance claim device first obtains business identification information (step S0501). Next, input of credit information is received (step S0502). Next, a guarantee request is transmitted to the guarantee service device (step S0503). The warranty service device receives the transmitted warranty request (step S0504), and outputs the warranty request for viewing if necessary (step S0505). Next, an insurance claim is generated (step S0506), and the generated insurance claim is transmitted to the guarantee claim device (step S0507). The warranty claim device first receives the transmitted insurance claim (step S0508) and outputs the insurance claim (step S0509). Next, insurance underwriting information is generated (step S0510), and the generated insurance underwriting information is transmitted to the guarantee service device (step S0511). The guarantee service device receives the transmitted insurance underwriting information (step S0512), and browses the insurance contents if necessary (step S0513). Next, the guarantee information is transmitted to the insurance claim device (step S0514). The guarantee requesting device receives the transmitted guarantee information (step S0515). The received guarantee information is output as needed (step S0516).

<Hardware configuration>
FIG. 6 is a schematic diagram showing an example of a configuration in a claim guarantee system when the above functional components are realized as hardware. The operation of each hardware component in the processing of the present invention will be described with reference to FIG. As shown in the figure, the receivable guarantee system of this embodiment includes a guarantee service device, an insurance service device, and a guarantee request device. These are “CPU” (0601, 0621, 0631), “RAM” (0602, 0612, 0622), “Non-volatile memory” such as hard disk drive (0603, 0613, 0623), and “Network I / F”. (0604, 0614, 0624), “U / I” (0605, 0615, 0625) such as a keyboard and a mouse, “Display device” (0606, 0616, 0626) including a display, a video card, and the like, and a printer. (0628). Then, they are mutually connected by a data communication path such as “system bus” (0607, 0617, 0627), and perform transmission / reception and processing of information.

  In addition, the RAM (0602, 0612, 0622) provides a work area that is also a work area for the CPU (0601, 0611, 0621) to execute a program for performing various processes. The RAM (0602, 0612, 0622) stores information to be stored in the non-volatile memory (0603, 0613, 0623) and information stored in the RAM (0602, 0612, 0622), and information to be displayed on the screen. It is possible to save temporarily.

  First, the company identification information acquisition program stored in the non-volatile memory (0623) of the warranty claim device is called by the RAM (0622) and executed by the CPU (0621). As a result of the execution, the operator identification information stored in the storage area is called and temporarily stored in the RAM (0622). Next, the credit information input receiving program is called from the nonvolatile memory (0623) to the RAM (0622) and executed by the CPU (0621). The program accepts input of credit information from U / I (0625). The received credit information is associated with the company identification information and is stored in the RAM (0622) as C: credit information data. Next, the guarantee request transmission program is called on the RAM (0622) and executed by the CPU (0621). The program obtains C: guarantee request data including the credit information data stored in the RAM (0622) and transmits it to the guarantee service device via the network I / F (0624). The S: warranty claim data transmitted here may be limited to one claim, or a plurality of guarantee claim data including a plurality of pieces of claim information are stored in the RAM (0622) or the like, and at a predetermined timing. A batch process for transmitting at once may be executed.

  In the guarantee service device, the guarantee request receiving program called by the RAM (0602) is executed by the CPU (0601). The program receives the guarantee request data transmitted from the guarantee request device via the network I / F (0604), and stores and holds the S: guarantee request data in the RAM (0602). The S: guarantee claim data can be output to the display device (0606) by executing the guarantee claim browsing output program in the CPU (0601). Next, the insurance claim generation program is called by the RAM (0602) and executed by the CPU (0601). The program generates S: insurance claim data associated with S: warranty claim data based on the held S: warranty claim data, and temporarily stores the data in the RAM (0602). Next, the insurance claim transmission program is called by the RAM (0602) and executed by the CPU (0601). The program transmits the retained L: insurance claim data to the insurance service device via the network I / F (0604). L: insurance claim data transmitted here may be limited to one relating to one warranty claim, or a plurality of insurance claim data including a plurality of warranty claim data are stored in a RAM (0602) or the like, Batch processing for transmitting at once at a predetermined timing may be executed.

  In the insurance service device, the insurance claim receiving program is called by the RAM (0612) and executed by the CPU (0611). This program receives the transmitted L: insurance claim data via the network I / F (0614) and stores it in the RAM (0612). The stored and held insurance claim data is output to the display device (0616) or the like by the insurance claim output program called on the RAM (0612) and executed by the CPU (0611). Next, the insurance underwriting information generation program is called on the RAM (0612) and executed by the CPU (0611). This program generates U: insurance underwriting information data in association with I: insurance content data stored in advance in the RAM (0612) or the non-volatile memory (0613) at the time of insurance contract based on L: insurance claim data. I do. The generated data is temporarily stored in the RAM (0612). Next, the insurance underwriting information transmission program is called by the RAM (0612) and executed by the CPU (0611). This program transmits the temporarily held U: underwriting information data to the guarantee service device via the network I / F (0614).

  In the guarantee service device, the insurance underwriting information receiving program is called on the RAM (0602) and executed by the CPU (0601). The program receives the transmitted U: insurance underwriting information via the network I / F (0604) and stores it in the RAM (0602) or the like. U: The insurance content browsing program is called by the RAM (0602) and executed by the CPU (0601). The U: insurance content data associated with the insurance underwriting information is displayed by the display device (0606). It is possible to output. Next, the guarantee information transmission program is called by the RAM (0602) and executed by the CPU (0601). The program transmits, via the network I / F (0604), U: guarantee information data, which is information for guaranteeing at least a part of the non-performing debt associated with the business operator identification information based on the insurance underwriting information, Sent to the warranty claim device.

  In the guarantee requesting device, the guarantee information receiving program is called by the RAM (0622) and executed by the CPU (0621). The program receives the guarantee information data via the network I / F (0624) and temporarily stores it in a storage area such as a RAM (0622). The stored guarantee information data is output by an output device such as a display device (0626) or a printer (0628) by executing the guarantee information output program by the CPU (0621).

<< Example 2 >>
<Example 2 Overview of credit guarantee system>
The receivables guarantee system of the present embodiment collects a plurality of receivables (one receivable is a unit of a buyer's post-paid sales contract, not necessarily a purchased product) and makes a guarantee request by batch processing. The warranty service device can execute the insurance claim in a batch process. Further, the insurance underwriting information generated in the insurance service device can be received and held by batch processing.

<Example 2 Claims Guarantee System Functional Configuration>
The loan guarantee system of the present embodiment includes a “guarantee service device”, an “insurance service device”, and a “guarantee claim device”. The warranty service device includes a “guarantee claim receiving unit”, a “guarantee claim holding unit”, a “guarantee claim browsing output unit”, an “insurance claim generating unit”, an “insurance claim transmitting unit”, and an “insurance underwriting unit”. An information receiving unit, an insurance content browsing unit, an insurance underwriting information holding unit, and a guarantee information transmitting unit. The insurance service device includes an “insurance claim receiving unit”, an “insurance claim holding unit”, an “insurance claim output unit”, an “underwriting information generation unit”, an “insurance content holding unit”, and an “insurance underwriting information”. A transmission unit ". The “guarantee claim device” includes a “business operator identification information acquisition unit”, a “claim information input receiving unit”, a “claim information input receiving unit”, a “claim information storage unit”, and a “guarantee request transmitting unit”. , A “guarantee information receiving unit” and a “guarantee information output unit”. Since these components have already been described above, description and illustration are omitted. The feature of the functional configuration of the claim guarantee system of this embodiment is that the guarantee request receiving unit of the guarantee service device has “batch guarantee request receiving means”, and the guarantee request transmitting unit of the guarantee request device is “batch guarantee request”. It has a “transmission means”.

<Example 2 Warranty service device Warranty request receiving unit Batch guarantee request receiving means>
"Batch guarantee request receiving means" has a function of receiving a batch guarantee request, which is a guarantee request including a plurality of claims information relating to a plurality of claims, in the guarantee request receiving unit of the guarantee service device. More specifically, it executes a process of receiving the batch guarantee request transmitted from the batch guarantee request transmitting means of the warranty request device via a network or the like, and storing the received batch guarantee request in the guarantee request holding unit. The function of this means is realized by a batch guarantee request receiving program stored in the RAM and executed by the CPU, a network I / F, or the like. A batch warranty claim is used to determine the adequacy of each warranty claim included in a batch when generating an insurance claim based on the claim, and to determine the suitability of the entire insurance claim when making a batch claim. Is repeated. In other words, the determination of suitability as a whole aggregate is made more weighted than when each single insurance claim is generated.

<Example 2 Warranty Claim Device Warranty Request Transmitting Unit Batch Warranty Request Transmitting Means>
The “batch guarantee request transmitting unit” has a function of transmitting a batch guarantee request, which is a guarantee request including a plurality of claims information relating to a plurality of claims, in the guarantee request transmitting unit of the guarantee claim device. More specifically, the guarantee request relating to a plurality of claims generated in the guarantee request transmission unit of the guarantee request device is stored in a storage area, and transmission processing is executed at a predetermined timing to the batch guarantee request receiving unit of the guarantee service device. I do. "Predetermined timing" means the timing triggered by the user, the pre-scheduled timing such as "4 am on Monday", and the case where the number of guarantee claims reaches a certain number. For example, when the total amount reaches a certain amount. The function of this means is realized by a batch guarantee request transmission program stored in the RAM and executed by the CPU, a network I / F, and the like. A batch warranty claim collects default guarantees for multiple accumulated receivables. The batch guarantee request may be generated automatically, or may be generated by artificially selecting receivables into an aggregate. In the former case, a guarantee claim is automatically generated by specifying a set of claims when the set of accumulated claims satisfies a predetermined condition. Conditions that must be satisfied by the aggregate of receivables include the total amount of receivables in the aggregate, the types of receivables included in the aggregate (lump-sum payment, installment, etc.), and the debtors of the aggregate (number of debtors, gender, etc.) Or, the attributes of the debtor of the aggregate satisfy predetermined conditions (the range of annual income and the total amount of other debts), the total amount of guarantee claims, the due date of receivables, and the like. When a batch warranty claim is automatically created, it is automatically transmitted and further processing is performed. In the case where a claim that forms a batch guarantee request is artificially selected based on the type of the claim or the like, the batch guarantee request artificially formed is transmitted as a batch guarantee request in accordance with an instruction of the administrator. The batch warranty claim held until there is a transmission instruction may be edited and changed.

<Example 2 Another functional configuration of the credit guarantee system>
The loan guarantee system of the present embodiment includes a “guarantee service device”, an “insurance service device”, and a “guarantee claim device”. The warranty service device includes a “guarantee claim receiving unit”, a “guarantee claim holding unit”, a “guarantee claim browsing output unit”, an “insurance claim generating unit”, an “insurance claim transmitting unit”, and an “insurance underwriting unit”. An information receiving unit, an insurance content browsing unit, an insurance underwriting information holding unit, and a guarantee information transmitting unit. The insurance service device includes an “insurance claim receiving unit”, an “insurance claim holding unit”, an “insurance claim output unit”, an “underwriting information generation unit”, an “insurance content holding unit”, and an “insurance underwriting information”. A transmission unit ". The “guarantee claim device” includes a “business operator identification information acquisition unit”, a “claim information input receiving unit”, a “claim information input receiving unit”, a “claim information storage unit”, and a “guarantee request transmitting unit”. , A “guarantee information receiving unit” and a “guarantee information output unit”. Further, the guarantee request receiving unit of the guarantee service device includes “batch guarantee request receiving means”, and the guarantee request transmitting unit of the guarantee request device includes “batch guarantee request transmitting means”. Since these components have already been described above, description and illustration are omitted. The feature of the functional configuration of the claim guarantee system of the present embodiment is further characterized in that the insurance claim generation unit of the guarantee service device has “batch insurance claim generation means”, and the insurance claim transmission unit has “batch insurance claim transmission means”. The insurance underwriting information receiving unit has a “batch underwriting information receiving unit”, and the insurance underwriting information holding unit has a “batch underwriting information holding unit”.

<Example 2 Warranty service device Insurance claim generation unit Batch insurance claim generation means>
The “batch insurance claim generation means” has a function of generating, in the insurance claim generation unit of the warranty service device, a batch insurance claim for claiming a group of insurance claims for a plurality of warranty claims based on the batch warranty claim. It acquires the batch warranty claims held in the warranty claim holding unit, processes the data of each warranty claim according to a predetermined rule, and generates a batch insurance claim. The generated batch insurance claim is sent to the batch insurance claim transmitting means. The functions of the headquarters are realized by a batch insurance claim generation program stored in the RAM and executed by the CPU. The batch insurance claim generation means may be generated based on the received batch warranty claim alone, or may further combine a plurality of batch warranty claims into a large batch insurance claim. When generating a batch insurance claim, it is determined according to a predetermined rule whether the batch insurance claim is appropriate. More specifically, as described above, the suitability of each guarantee claim included in the batch and the suitability of the entire aggregate when making a claim in the batch are repeatedly determined. The determination of suitability as a whole set is the same as the conditions determined in the batch guarantee claim, the total amount of receivables of the collective, the type of receivables included in the collective (collective postpaid, installment, etc.), the collective Whether the debtor of the body (the number of debtors, gender, etc.), the attributes of the debtor of the collective meet predetermined conditions (the annual income range, the total amount of other debts), the due date of the receivable, etc. The revenue-related requirements for the warranty service device are also determined. For example, what percentage of insurance is claimed for the amount of receivables and whether the insurance payment is within a predetermined range as payment conditions (eg, due date, payment method, disclaimer, deductible amount) are also judgment factors. . This is a range contracted in advance with the insurance company, and it is determined whether the batch insurance claims fall within the range. If the determination is correct, a batch insurance claim is generated and transmitted.

<Example 2 Warranty service device Insurance claim transmitting unit Batch insurance claim transmitting means>
The “batch insurance claim transmitting unit” has a function of transmitting the generated batch insurance claim to the insurance service apparatus in the insurance claim transmitting unit of the warranty service apparatus. A batch insurance claim is received from the batch insurance claim generating means, and the claim is collectively transmitted to the insurance service device via a network or the like at a predetermined timing. The “predetermined timing” means a timing triggered by the user, a pre-scheduled timing such as “4 am on Monday”, and a plurality of insurance claims when the number of insurance claims reaches a certain number. May be considered when the total amount reaches a certain amount. The function of the headquarters is realized by a batch insurance claim transmission program stored in the RAM and executed by the CPU, a network I / F, and the like.

<Example 2 Warranty service device Insurance underwriting information receiving unit Batch insurance underwriting information receiving means>
"Batch insurance underwriting information receiving means" is information indicating that a batch insurance claim associated with each insurance content corresponding to each warranty claim is underwritten in accordance with the batch insurance claim transmitted by the insurance underwriting information receiving unit of the warranty service device. It has a function to receive certain batch insurance underwriting information. A process of receiving the insurance underwriting information generated in the insurance service device via a network or the like and storing the information in the batch underwriting information holding unit is executed. The functions of the headquarters are realized by a batch insurance underwriting information reception program stored in RAM and executed by the CPU, and a network I / F.

<Example 2 Warranty Service Device Insurance Underwriting Information Holding Unit Batch Insurance Underwriting Information Holding Means>
"Batch insurance underwriting information holding means" has a function of holding the received batch insurance underwriting information. A process of receiving the batch insurance underwriting information received by the batch insurance underwriting information receiving means and storing it in a storage area is executed. The function of the headquarters is realized by a nonvolatile memory such as a RAM or a hard disk.
<Embodiment 2 Judgment of adequacy at the time of batch processing of insurance service device>
The insurance service device determines whether the batch insurance claim received from the warranty service device is an appropriate batch insurance claim in accordance with a contract previously concluded with the warranty servicer. The judgment factors are the same as those already described. Specifically, the total amount of the receivables of the aggregate, the types of receivables included in the aggregate (lump-sum payment, installment, etc.), the debtors of the aggregate (debt The number of debtors, gender, etc.), the attributes of the debtor of the collective meet specified conditions (annual income range, total amount of other debts), the due date of the receivables, and what percentage of the receivables will be claimed. Or whether the claim falls within a predetermined range as insurance payment conditions (eg, due date, payment method, disclaimer, deductible amount).
<Example 2 Insurance Service Device Generation of Underwriting Information During Batch Processing>
If the batch insurance claim is determined to be appropriate for the predetermined conditions, batch insurance underwriting information is generated and returned to the warranty service device. The batch insurance underwriting information generated here is generated according to the rules contracted with the guarantee servicer in advance, and the insurance fee for receiving the batch insurance claim is included in the contents of the batch insurance claim. Whether it is within the specified range, whether the insurance is exempted, the timing of the insurance payment, the payment method meets the predetermined conditions, whether the total amount of the insurance payment is within the predetermined range, etc. . Regarding the total amount of the insurance payment, there may be a case where if the guarantee payment in response to the batch insurance claim exceeds a predetermined amount, even if a subsequent guarantee payment occurs, the insurance will not be accepted. In addition, there are predetermined conditions such as the ratio of errors (receivables information, debtor information, business information) included in the contents of the insurance claim, and the condition that the insurance payment can be refused according to the presence or absence thereof. It is determined whether it is specified within the scope of the contract.

<Process flow>
The flow of the above processing will be described with reference to FIG. 7. Claim information (0702) is input to the guarantee requesting device (0701) and stored in association with the business operator identification information. The batch guarantee request transmitting means (0703) processes the accumulated information relating to the plurality of claims to create a batch guarantee request (0704), and sends it to the batch guarantee request receiving means (0706) of the guarantee service device (0705). To send. Subsequently, in response to the batch guarantee request received by the batch guarantee request receiving means (0706), the batch insurance claim generation means (0707) generates a batch insurance claim (0708) based on the batch guarantee request. These are collectively transmitted to the insurance service device (0710) at a predetermined timing by the batch insurance claim transmitting means (0709). In the insurance service device (0710), a plurality of insurance claims transmitted by the batch insurance claim are converted into insurance underwriting information by an insurance underwriting information generation unit (0711), which will be described later, and a process for generating the insurance underwriting information is executed. The plurality of pieces of insurance underwriting information that have been processed in this way are collected and transmitted as batch insurance underwriting information (0712) to the guarantee service device (0705) at a predetermined timing. In this apparatus, the batch insurance underwriting information (0712) is received by the batch insurance underwriting information receiving means (0713) and stored in the batch insurance underwriting information holding means (0714). The guarantee service device (0705) processes the held batch insurance underwriting information, generates guarantee information (0715), and transmits it to the guarantee requesting device (0701). The guarantee requesting device receives the guarantee information and performs output and the like.

<Example 2 Hardware configuration>
FIG. 8 is a schematic diagram showing an example of a configuration in a claim guarantee system when the above functional components are realized as hardware. The operation of each hardware component in the processing of the present invention will be described with reference to FIG. As shown in the figure, the receivable guarantee system of this embodiment includes a guarantee service device, an insurance service device, and a guarantee request device. These are “CPU” (0801, 0821, 0831), “RAM” (0802, 0812, 0822), “Non-volatile memory” such as hard disk drive (0803, 0813, 0823), and “Network I / F”. (0804, 0814, 0824), "U / I" (0805, 0815, 0825) such as a keyboard and a mouse, and "display device" (0806, 0816, 0826) including a display and a video card, and a printer. (0828). Then, they are mutually connected by a data communication path such as “system bus” (0807, 0817, 0827), and perform transmission / reception and processing of information.

  The RAM (0802, 0812, 0822) provides a work area that is also a work area for the CPU (0801, 0811, 0821) to execute the program for performing various processes. The RAM (0802, 0812, 0822) stores information to be stored in the nonvolatile memory (0803, 0813, 0823) and information stored in the RAM (0802, 0812, 0822), and information to be displayed on the screen. It is possible to save temporarily.

  First, the company identification information acquisition program stored in the non-volatile memory (0823) of the warranty claim device is called by the RAM (0822) and executed by the CPU (0821). As a result of the execution, the company identification information stored in the storage area is called and temporarily stored in the RAM (0822). Next, the credit information input receiving program is called from the nonvolatile memory (0823) to the RAM (0822) and executed by the CPU (0821). The program accepts input of credit information from U / I (0825). The processing up to this point is repeated for the number of contracts of the claim for which the guarantee is requested this time. The received credit information is associated with the operator identification information, and is sequentially stored in the RAM (0822) as C: credit information data. Next, the batch guarantee request transmission program is called on the RAM (0822) and executed by the CPU (0821). The program obtains C: Sb including the claim information data relating to a plurality of claims stored in the RAM (0822), and acquires the batch guarantee claim data, and transmits it to the guarantee service apparatus via the network I / F (0824). .

  In the guarantee service apparatus, the batch guarantee request receiving program called into the RAM (0802) is executed by the CPU (0801). This program receives the batch guarantee request data transmitted from the guarantee requesting device via the network I / F (0804), and stores and holds it in the RAM (0802) as Sb: guarantee request data. The Sb: guarantee claim data can be output to the display device (0806) by executing the guarantee claim browsing output program in the CPU (0801). Next, the batch insurance claim generation program is called by the RAM (0802) and executed by the CPU (0801). The program generates Sb: Lb: batch insurance claim data associated with the Sb: batch warranty claim data, based on the held Sb: batch warranty claim data, and temporarily stores it in the RAM (0802). Next, the batch insurance claim transmission program is called by the RAM (0802) and executed by the CPU (0801). The program transmits the held Lb: batch insurance claim data to the insurance service device via the network I / F (0804).

  In the insurance service device, the insurance claim receiving program is called by the RAM (0812) and executed by the CPU (0811). The program receives the transmitted Lb: batch insurance claim data via the network I / F (0814) and stores it in the RAM (0812). The stored and held Lb: batch insurance claim data is output to the display device (0816) or the like by the insurance claim output program called on the RAM (0812) and executed by the CPU (0811). Next, the insurance underwriting information generation program is called on the RAM (0812) and executed by the CPU (0811). This program is based on Lb: batch insurance claim data, and Ub: batch insurance underwriting information data stored in advance in the RAM (0812) or non-volatile memory (0813) at the time of insurance contract as insurance contents. Generate The generated data is temporarily stored in the RAM (0812). Next, the insurance underwriting information transmission program is called by the RAM (0812) and executed by the CPU (0811). The program transmits the temporarily held U: underwriting information data to the guarantee service device via the network I / F (0814).

  In the guarantee service device, the batch insurance underwriting information receiving program is called on the RAM (0802) and executed by the CPU (0801). The program receives the transmitted U: batch insurance underwriting information via the network I / F (0804) and stores it in the RAM (0802) or the like. Ub: The insurance content browsing program is called by the RAM (0802) and executed by the CPU (0801), and is executed by the CPU (0801). It can be output by the device (0806). Next, the guarantee information transmission program is called by the RAM (0802) and executed by the CPU (0801). The program transmits Ub: guarantee information data, which is information for guaranteeing at least a part of the non-performing debt associated with the business operator identification information based on the batch underwriting information, via the network I / F (0804). , To the warranty claim device.

  In the guarantee requesting apparatus, the guarantee information receiving program is called by the RAM (0822) and executed by the CPU (0821). The program receives the guarantee information data via the network I / F (0824) and temporarily stores it in a storage area such as the RAM (0822). The stored guarantee information data is output by an output device such as a display device (0826) or a printer (0828) by executing the guarantee information output program by the CPU (0821).

Example 3
<Example 3 Overview of credit guarantee system>
In this embodiment, processing of each device in the case of default in the debt guarantee system will be described. FIG. 9 is a diagram showing an outline of the credit guarantee system of the present embodiment. As shown in this figure, it is assumed that 1.5 million yen, which is the total amount paid from the party who purchased the ring, was not paid by the due date. The guarantee requesting device generates default information including the business identification information, the credit information, and the remaining debt information including the product price of 1.5 million yen. The default information is transmitted to the guarantee service device, and the guarantee service device generates insurance claim information that is an insurance claim based on the information and the underwriting information corresponding to the guarantee for the defaulted debt. In FIG. 9, as a specific process, “insurance amount: the same amount as the deposit amount paid” is acquired from the insurance underwriting information and transmitted to the insurance service device as insurance claim information. The insurance service device receives the insurance claim information and generates insurance payment information based on the received insurance claim information. Examples of insurance payment information include information such as "insurance amount: same amount as guarantee amount = 1.2 million yen", "insurance payee: B guarantee service group". The insurance payment information is transmitted to the guarantee service device, and the security payment information is generated based on the information. Examples of the deposit payment information include “deposit payee: A company”, “guaranteed product: ring”, “deposit amount: 1.2 million yen”, and the like. The deposit payment information is finally transmitted to and received from the guarantee claim device of the A company.

<Embodiment 3 Functional structure of the loan guarantee system>
FIG. 10 is a diagram illustrating another example of the functional configuration in the credit guarantee system of the present embodiment. As shown in this figure, the receivable guarantee system of the present embodiment includes a “guarantee service device” (1001), an “insurance service device” (1002), and a “guarantee claim device” (1003). The warranty service device includes a “guarantee claim receiving unit”, a “guarantee claim holding unit”, a “guarantee claim browsing output unit”, an “insurance claim generating unit”, an “insurance claim transmitting unit”, and an “insurance underwriting unit”. An information receiving unit, an insurance content browsing unit, an insurance underwriting information holding unit, and a guarantee information transmitting unit. The insurance service device includes an “insurance claim receiving unit”, an “insurance claim holding unit”, an “insurance claim output unit”, an “underwriting information generation unit”, an “insurance content holding unit”, and an “insurance underwriting information”. A transmission unit ". The “guarantee claim device” includes a “business operator identification information acquisition unit”, a “claim information input receiving unit”, a “claim information input receiving unit”, a “claim information storage unit”, and a “guarantee request transmitting unit”. , A “guarantee information receiving unit” and a “guarantee information output unit”. Since these components have already been described above, description and illustration are omitted. The feature of the functional configuration of the loan guarantee system of the present embodiment is that the guarantee service device (1001) includes a “default information receiving unit” (1026), an “insurance claim information generation unit” (1027), and an “insurance claim”. An information transmitting unit (1028), an insurance payment information receiving unit (1029), a security payment information generating unit (1030), and a security payment information transmitting unit (1031) are newly provided. Then, the insurance service device (1002) newly adds an “insurance claim information receiving unit” (1032), an “insurance payment information generating unit” (1033), and an “insurance payment information transmitting unit” (1034). The guarantee requesting device (1003) includes a “default information generation unit” (1035), a “default information transmission unit” (1036), a “guarantee payment information receiving unit” (1037), and a “guarantee deposit”. Payment information output A part "(1038), is that it has renewed.

<Example 3 Guarantee Service Device Debt Default Information Receiver>
In the guarantee service device (1001), the “default information receiving unit” (1026) provides default information, which is information on default including information on remaining debts generated with respect to a specific receivable owned by the business in the guarantee service device (1001). Has the function of receiving Specifically, it executes the process of receiving the default information transmitted by the default information transmitting unit (1036) of the guarantee requesting device (1003) and outputting the information to the insurance claim information generating unit (1027). The functions of the headquarters are realized by a default information receiving program stored in RAM and executed by the CPU, a network I / F, and the like.

<Example 3 Warranty service device Insurance claim information generation unit>
The “insurance claim information generation unit” (1027) generates insurance claim information, which is an insurance claim based on insurance underwriting information corresponding to a guarantee corresponding to a loan related to a default, based on the acquired default information. Having. The insurance claim information is basis information for receiving recognition as an insurance accident in the insurance service device. As shown in FIG. 9, assuming that the default information includes “remaining debt amount: 1.5 million yen” as the remaining debt information, the guarantee contract between the B guarantee service organization and the A company will be in default. Since this is a contract with (assumed to be) 80% of the remaining debt, 1.2 million yen is incurred as the obligation to pay the security deposit. On the other hand, in an insurance contract between the B guarantee service organization and the C insurance company, the insurance payment is (assuming) 100% of the guarantee amount actually paid or paid by the B guarantee service organization. . Thus, the insurance underwriting information “insurance amount: the same as the amount paid for the security deposit” shown in FIG. 9 is applied, and 1.2 million yen is obtained as the insurance claim amount by the arithmetic processing. Here, the guarantee service device of the present system determines that a part or all of the guarantee fee to be paid by the creditor (the company A in FIG. 9) to the guarantee service organization based on the guarantee contract has not been paid. In such a case, there may be a process for reducing the amount in the functional part for determining the guarantee amount to be paid to the creditor. Based on this information, the headquarters may perform a process of deducting the insurance claim amount by a predetermined amount along with this process for the insurance service device. The function of the headquarters is realized by an insurance claim information generation program stored in the RAM and executed by the CPU. When generating the insurance claim information, the insurance claim information must be generated in principle according to an insurance contract with the C insurance company. Therefore, a process of determining whether the generated insurance claim meets the conditions of the insurance contract is performed. Judgment factors may vary depending on the contract, but are within the maximum claim amount per case, or when multiple insurance claims are allowed within one contract, multiple cases are within the prescribed cumulative insurance payment amount. Within the validity period of the insurance contract, or when multiple insurance claims are granted in one contract, within a specified number of times, whether the deductible amount of the insurance is correctly reflected, or the business of the B guarantee service group is limited to the time of the insurance contract If it falls within the scope of the contracted business, or if the capital, assets, number of employees, organizational structure, affiliated company, and other attributes of the B guarantee service organization are limited at the time of contract with the C insurance company, the scope is still in effect. Or within. These pieces of information can be determined by configuring the functional part that generates an insurance claim so that it can always access a database or the like. Rules for making a determination using these data are stored in the insurance claim information generation unit, and a determination function using these rules and these data is configured to be in the insurance claim information generation unit. It is possible. These may use the conditions included in the insurance underwriting information.

  An insurance claim information generation unit (1027) generates insurance claim information based on the acquired default information. However, there remains a possibility that the operating company may make improper claims, such as transmitting false default information. The headquarters may be configured to perform a dunning process on a purchaser of a product or the like, which is the debtor, when the default information is acquired, thereby supporting the fact of the default. Specifically, the dunning process may be an electronic mail, a direct mail, a configuration in which an operator makes a call, or the like. In the case of using an e-mail, a process of generating a dunning e-mail at the same time as acquiring the default information is executed. In the case of direct mail, a process of printing a reminder message is executed. In the case of a call by the operator, processing such as displaying the telephone number of the debtor on a terminal device used by the operator to support the call is executed. It is conceivable that the information on the debtor for these processes is configured to be included in the information of the guarantee request from the guarantee request device. It may also be included in the default information when default has occurred. Of course, it may be configured to be included in both. Since the debtor information (for example, change of last name due to marriage, change of address, change of e-mail address, change of mobile phone number, change of SNS address, etc.) may change over time, If it is configured to be included in both, the security of the transaction is further improved. As a result of performing the dunning process, if the borrower obtains feedback (e.g., clicking a link in an e-mail, clicking a link on a Web site derived from direct mail, responding to an operator, etc.) from the debtor, or Alternatively, a configuration may be adopted in which, when feedback indicating that no default has been made is not obtained, the process proceeds to insurance claim information generation processing. Furthermore, a configuration may be adopted in which the functions provided by these configurations are provided from a guarantee service organization to a business company as a creditor in the form of an ASP (Application Service Provider) or the like. In this case, the following processing is performed on the premise that there is a default by confirming with the guarantee service device that the default check has been performed.

<Embodiment 3 Guarantee Service Device Judgment of Matching of Set Frame Condition at Default)
"Execution of guarantee and insurance"
When setting a guarantee frame and an insurance frame, predetermined conditions may be set for execution of a guarantee and insurance. The judgment of the execution condition is made by the guarantee service device and the insurance service device whether or not the execution condition set in advance is met when a default occurs.
This is determined particularly by the insurance claim information generation unit of the warranty service device and the insurance payment information generation unit of the insurance service device.

<Example 3 Warranty Service Device Insurance Claim Information Transmission Unit>
The “insurance claim information transmitting unit” (1028) has a function of transmitting the generated insurance claim information. Specifically, it refers to a process of transmitting the insurance claim information generated by the insurance claim information generating unit (1027) to the insurance claim information receiving unit (1032) of the insurance service device (1002). The function of the headquarters is realized by an insurance claim information transmission program stored in the RAM and executed by the CPU, a network I / F, and the like.

<Example 3 Guarantee Service Device Insurance Claim Payment Information Receiving Unit>
The “insurance payment information receiving unit” (1029) has a function of receiving insurance payment information, which is information relating to insurance payment according to the outputted insurance claim information. Specifically, a process of receiving insurance payment information transmitted from the insurance payment information transmitting unit (1034) of the insurance service device (1002) is executed. The received insurance payment information is passed to the security payment information generator (1030). The function of the headquarters is realized by an insurance payment information receiving program stored in the RAM and executed by the CPU, a network I / F, and the like.

<Embodiment 3 Security Service Device Security Payment Information Generation Unit>
The “deposit payment information generation unit” (1030) has a function of generating deposit payment information, which is information relating to the payment of a deposit, based on the acquired insurance payment information. Here, as a result of the processing in the insurance payment information generation unit of the insurance service device, even if the information that the insurance money is not paid in full is generated, if the creditor who signed the guarantee contract has no default in the contract, etc. The B guarantee service group is processed to receive the full payment of 1.2 million yen. On the other hand, there is a case where the guarantee contract does not pay the full amount according to the change in circumstances, and if there is a situation that matches the situation, the amount of the security deposit to be paid will be reduced based on the reduced insurance money. It may be reduced from the requested 1.2 million yen. For example, a major change in economic circumstances such as the occurrence of a catastrophe (for example, the 911 and 311 incidents), the occurrence of a war (entering a state of war between North Korea and South Korea), and the collapse of the stock market (such as the Lehman shock). And the forced suspension of multilateral transactions due to diplomatic issues. These pieces of information are fetched as external data, and a determination is made as to whether the information matches a predetermined condition. If the information matches, a reduction process is performed in accordance with a predetermined rule. The security deposit payment information thus generated is passed to the security deposit information transmission unit (1031). The function of the headquarters is realized by a deposit payment information generation program stored in the RAM and executed by the CPU.

<Example 3 Guarantee Service Device Deposit Payment Information Transmission Unit>
The “deposit payment information transmitting unit” (1031) has a function of outputting the generated deposit payment information. A process of transmitting the deposit information generated by the deposit information generating unit (1030) to the deposit information receiving unit (1037) of the guarantee requesting device (1003) is executed. The function of the head office is realized by a deposit payment information transmission program stored in the RAM and executed by the CPU, a network I / F, and the like.

<Example 3 Insurance Service Device Insurance Claim Information Receiving Unit>
The “insurance claim information receiving unit” (1032) has a function of receiving insurance claim information in the insurance service device (1002). The insurance claim information transmitted by the insurance claim information transmitting section (1028) of the guarantee service device (1001) is received and output to the insurance payment information generating section (1033). The function of the headquarters is realized by an insurance claim information receiving program stored in the RAM and executed by the CPU, a network I / F, and the like.

<Example 3 Insurance Service Device Insurance Payment Information Generation Unit>
The “insurance payment information generation unit” (1033) has a function of generating insurance payment information based on the received insurance claim information. Specifically, for each claim item in the insurance claim information, a determination is made as to whether or not the underwriting condition is satisfied in light of the insurance underwriting information, and the result is used as insurance claim payment information. As a result of the judgment, if it is determined that the condition is satisfied and the accident is an insurance accident, the insurance payment procedure is executed. For example, if the information that the insurance claim amount is 1.2 million yen is included in the insurance claim information, such information is included in the insurance underwriting information “insurance amount: the same amount as the deposit paid, the upper limit of the insurance claim: 3 million” It is determined that conditions such as "yen" are satisfied. Then, processing such as adding information indicating that the condition is satisfied to the item of the insurance amount in the insurance payment information is executed. On the other hand, when the same insurance claim is made, the case where the insurance company independently accesses the credit information or the like owned by itself or another company to generate the insurance payment information is also included. The generated insurance payment information is passed to the insurance payment information transmitting unit (1034). The function of the headquarters is realized by an insurance payment information generation program stored in the RAM and executed by the CPU.

<Example 3 Insurance Service Payment Information Transmission Unit>
The “insurance payment information transmitting unit” (1034) has a function of transmitting the generated insurance payment information. The insurance payment information passed from the insurance payment information generating unit (1033) is transmitted to the insurance payment information receiving unit (1029) of the guarantee service device (1001). The function of the headquarters is realized by an insurance payment information transmission program stored in the RAM and executed by the CPU, a network I / F, and the like.

<Example 3 Guarantee Claim Device Debt Default Information Generation Unit>
The “default information generation unit” (1035) has a function of generating default information, which is information relating to default including the remaining debt information in the guarantee requesting device (1003). Debt in connection with information that identifies Company A as the company identification information and information that includes “product”, “remaining debt amount”, “payment method”, “payment date” etc. Executes the process for default information. In addition, information (guarantee ID) for specifying a guarantee for a defaulted loan is included in the default information. The information is associated with information (insurance ID) for specifying the insurance that has been underwritten, and is used when the insurance claim information generation unit (1027) of the warranty service device generates insurance claim information. The generation of the default information is performed by monitoring a “payment date” included in the receivables information, and when this date has passed and a default has been detected, a generation process is executed. The creditor monitors the due date and the bank account to check whether the payment was made on the expected payment date. If the deposit was not made as scheduled, we prompt the department to generate default information. This processing may be executed by the creditor (business company) or may be executed by a guarantee service organization that guarantees the credit. The generated default information is passed to the default information transmitting unit (1036). The functions of the headquarters are realized by a default information generation program stored in the RAM and executed by the CPU. Note that the default information may have a plurality of ranks. For example, according to the number of payment delays in the same contract by Buyer A, default information with a higher rank is generated from default information with a lower number of ranks, or rank is ranked according to the number of days late for payment. Or ranking according to the number of payment reminder. These may be configured to be determined and generated according to the ranking rules and the default information of the purchaser.

<Example 3 Guarantee Claim Device Debt Default Information Transmission Unit>
"Debt default information transmission unit" (1036) has a function of transmitting the generated default information. It transmits the default information passed from the default information generation unit (1035) to the default information receiving unit (1026) of the guarantee service device (1001). The functions of the headquarters are realized by a default information transmission program stored in RAM and executed by the CPU, a network I / F, and the like. The default information transmitting unit may be configured to transmit only default information in a certain range of ranks of the aforementioned default information. The rank of the generated default information may be determined according to the transmission rule, and only the default information determined to be transmitted in accordance with the transmission rule may be transmitted. These rules and determination conditions are rules set and set when a guarantee contract is concluded between the A company and the B guarantee service organization.

<Example 3 Warranty Claim Device Deposit Payment Information Receiving Unit>
The “deposit payment information receiving unit” (1037) has a function of receiving the deposit payment information corresponding to the transmitted default information. A process for receiving the deposit payment information transmitted by the deposit payment information transmitting unit (1031) of the guarantee service device (1001) is executed. The received deposit payment information is passed to the deposit payment information output unit (1038). The function of the headquarters is realized by a deposit payment information receiving program stored in the RAM and executed by the CPU, a network I / F, and the like.

<Example 3 Warranty Claim Device Deposit Payment Information Output Unit>
The “deposit payment information output unit” (1038) has a function of outputting the received deposit payment information. Specifically, a process of outputting the deposit payment information by an output device such as a display or a printer is executed. The function of the headquarters is realized by a deposit payment information output program stored in the RAM and executed by the CPU, and an output device such as a display or a printer.
<Example 3 Summary>

    FIG. 11 is a diagram illustrating, in XML format, an example of information processing performed when the debt guarantee system of the present embodiment defaults on a debt. As shown in this figure, the default request information 001 (FIG. 11 (1)) is generated in the guarantee claim device. The default information 001 includes business operator identification information and remaining debt information. The company identification information includes the company name “A company”. The remaining debt information includes the product name “ring”, the remaining debt amount “1.5 million yen”, the payment method “collective”, the due date “September 30, 2018”, and the like. The default information 001 is transmitted to the guarantee service device. In the guarantee service device, the insurance claim information 001 (FIG. 11 (2)) is generated based on the received default information 001. The insurance claim information 001 includes “default information 001” as corresponding default information, “guarantee amount” as insurance amount, “3 million yen” as upper limit of insurance money, and “B guarantee service organization” as payee. included. The insurance claim information 001 is transmitted to the insurance service device. In the insurance service device, insurance payment information 001 (FIG. 11 (3)) is generated based on the insurance claim information 001. The insurance payment information 001 includes “insurance claim 001” indicating the corresponding insurance claim information, and information such as the insurance amount defined in the insurance underwriting information, the insurance money reduction, and the insurance payee. Then, in order for these pieces of information to be recognized as an insurance accident, as a result of the insurance claim, information indicating whether or not the information is compatible with information such as insurance underwriting information is added. In FIG. 11 (3), since all items are matched, the <OK> tag is added to all items. The insurance payment information 001 is transmitted to the guarantee service device. In the guarantee service device, the security deposit payment information 001 (FIG. 11 (4)) is generated based on the received security deposit payment information 001. Deposit payment information 001 includes “Insurance payment information 001” indicating the corresponding insurance payment information, “A company” as the payee, “Ring” as the product to be guaranteed, “1.2 million yen” as the guarantee amount, etc. Is included. The deposit payment information 001 is transmitted to the guarantee request device.

<Example 3 Processing Flow>
FIG. 12 is a flowchart illustrating an example of a processing flow in the loan guarantee system of the present embodiment. As shown in this figure, default information is generated in the guarantee requesting device (step S1201). Next, default information is transmitted (step S1202). Next, the guarantee service device receives default information (step S1203). Next, warranty claim information is generated (step S1204). The generated insurance claim information is transmitted (step S1205) and received by the insurance service device (step S1206). Next, insurance payment information is generated (step S1207) and transmitted to the guarantee service device (step S1208). The guarantee service device receives the insurance money payment information (step S1209) and generates the security payment information (step S1210). The generated guarantee payment information is transmitted to the guarantee requesting device (step S1211), and received by the guarantee requesting device (step S1212). Next, the received deposit payment information is output (step S1213).

<Example 3 Hardware Configuration>
FIG. 13 is a schematic diagram showing an example of a configuration in a claim guarantee system when the above functional components are realized as hardware. The operation of each hardware component in the processing of the present invention will be described with reference to FIG. As shown in the figure, the receivable guarantee system of this embodiment includes a guarantee service device, an insurance service device, and a guarantee request device. These are “CPU” (1301, 1321, 1331), “RAM” (1302, 1312, 1322), “non-volatile memory” such as hard disk drive (1303, 1313, 1323), and “network I / F”. (1304, 1314, 1324), “U / I” (1305, 1315, 1325) such as a keyboard and a mouse, “display device” (1306, 1316, 1326) including a display and a video card, and a printer. (1328). Then, they are mutually connected by a data communication path such as “system bus” (1307, 1317, 1327), and perform transmission / reception and processing of information.

  The RAM (1302, 1312, 1322) also provides a work area that is a work area for the CPU (1301, 1311, 1321) to execute a program for performing various processes. The RAM (1302, 1312, 1322) stores information to be stored in the non-volatile memory (1303, 1313, 1323) and information to be displayed on the screen, which is stored in the RAM (1302, 1312, 1322). It is possible to save temporarily.

  If payment is not made by the due date and a default occurs, the guarantee requesting device calls the default information generation program stored in the nonvolatile memory (1323) on the RAM (1322) and calls the CPU (1322). 1321). The program generates D: default information data using the business identification information data stored in the RAM (1322) and the like and the remaining debt information data also stored in the RAM (1322) and the like. The generated D: default information data is temporarily stored in the RAM (1322). Next, the default information transmission program is called by the RAM (1322) and executed by the CPU (1321). This program transmits the retained D: default information data to the guarantee service device via the network I / F (1324).

  In the guarantee service device, a default information receiving program is called on the RAM (1302) and executed by the CPU (1301). The program receives D: default information data transmitted from the guarantee requesting device via the network I / F (1304). The received data is temporarily stored in the RAM (1302). Next, the warranty claim information generation program is called on the RAM (1302) and executed by the CPU (1301). This program generates P: insurance claim information data using D: default information data and insurance underwriting information data stored in RAM (1302) or nonvolatile memory (1303). The generated data is temporarily stored in the RAM (1302). Next, the insurance claim information transmission program is called by the RAM (1302) and executed by the CPU (1301). The program transmits the temporarily held P: insurance claim information data to the insurance service device via the network I / F (1304).

  In the insurance service device, the insurance claim information receiving program is called on the RAM (1312) and executed by the CPU (1311). The program receives the insurance claim information data transmitted from the warranty service device via the network I / F (1314) and temporarily stores it in the RAM (1312). Next, the insurance payment information generation program is called by the RAM (1312) and executed by the CPU (1311). This program generates Y: insurance payment information data based on P: insurance claim information data temporarily stored in the RAM (1312). The generated Y: insurance payment information data is temporarily stored in the RAM (1312). Next, the insurance payment information transmission program is called on the RAM (1312) and executed by the CPU (1311). This program transmits the temporarily held Y: insurance payment information data to the guarantee service device via the network I / F (1314).

  In the guarantee service device, the insurance payment information receiving program is called by the RAM (1302) and executed by the CPU (1301). The program receives Y: insurance payment information data transmitted from the insurance service device via the network I / F (1304), and temporarily stores the data in the RAM (1302). Next, the deposit payment information generation program is called on the RAM (1302) and executed by the CPU (1301). This program generates Z: security deposit payment information data based on temporarily stored Y: insurance claim payment information data. The generated Z: security deposit payment information data is temporarily stored in the RAM (1302). Next, the deposit payment information transmission program is called on the RAM (1302) and executed by the CPU (1301). The program transmits the temporarily stored Z: security deposit payment information data to the security claim device via the network I / F (1304).

  In the guarantee requesting device, the deposit payment information receiving program is called on the RAM (1322) and executed by the CPU (1321). The program receives the Z: security deposit payment information data transmitted from the warranty service device via the network I / F (1324) and temporarily stores it in the RAM (1322). Next, the deposit information output program is called on the RAM (1322) and executed by the CPU (1321). The program outputs the Z: security deposit payment information data temporarily stored in the RAM (1322) to a display device (1326) such as a display or a device such as a printer (1328).

Example 4
<Example 4 Overview of the credit guarantee system>
In the present embodiment, the processing in the case of default in the case where the receivable is the installment receivable in the receivable guarantee system will be described. At the time of default, the guarantee service device performs a process of calculating the remaining debt of the installment receivable. Next, a process of generating information relating to the payment of the customer deposit is executed based on the result of the calculation and the stored predetermined rule. For example, it is assumed that Customer A purchased a ring of 3 million yen in 24 installments. The monthly payment is 125,000 yen. The payment was due on the 5th of every month, but until the tenth payment, the money was withdrawn from the bank account on time, but on the 5th day of the 11th month, the money could not be paid due to insufficient funds. Since payment is not executed thereafter, the default information is generated in the guarantee request device and transmitted to the guarantee service device. The default information includes “1.75 million yen” as the amount of the remaining debt. A contract has been made between the A business company and the B guarantee service organization to guarantee 90% of the remaining loan amount, and the guarantee amount paid between the B guarantee service organization and the C insurance company is 100%. Suppose that there is a contract to pay% as insurance money. When the accident is recognized by the processing of the guarantee service device or the insurance service device and the insurance payment information is generated, the guarantee payment device receives the information and generates the security payment information. At this time, the guarantee amount is determined based on the remaining debt amount of 1.75 million yen and a predetermined rule. For example, by applying the rules of the contract, a process of determining 15,570,000 yen as a deposit and including it in the deposit payment information is executed.

<Example 4 Claims Guarantee System Functional Configuration>
FIG. 14 is a diagram illustrating another example of a functional configuration in the credit guarantee system of the present embodiment. As shown in this figure, the loan guarantee system of this embodiment includes a “guarantee service device” (1401), an “insurance service device” (1402), and a “guarantee claim device” (1403). The warranty service device includes a “guarantee claim receiving unit”, a “guarantee claim holding unit”, a “guarantee claim browsing output unit”, an “insurance claim generating unit”, an “insurance claim transmitting unit”, and an “insurance underwriting unit”. An information receiving unit, an insurance content browsing unit, an insurance underwriting information holding unit, and a guarantee information transmitting unit. The insurance service device includes an “insurance claim receiving unit”, an “insurance claim holding unit”, an “insurance claim output unit”, an “underwriting information generation unit”, an “insurance content holding unit”, and an “insurance underwriting information”. A transmission unit ". The “guarantee claim device” includes a “business operator identification information acquisition unit”, a “claim information input receiving unit”, a “claim information input receiving unit”, a “claim information storage unit”, and a “guarantee request transmitting unit”. , A “guarantee information receiving unit” and a “guarantee information output unit”. Since these components have already been described above, description and illustration are omitted. Further, the guarantee service device (1401) executes the “Delinquency information receiving unit” (1426), the “Insurance claim information generating unit” (1427), the “Insurance claim information transmitting unit” (1428), and the “Insurance payment”. An information receiving unit ”(1429), a“ deposit payment information generation unit ”(1430), and a“ deposit payment information transmission unit ”(1431). The insurance service device (1402) receives the“ insurance claim information reception ”. Unit (1432), an “insurance payment information generation unit” (1433), and an “insurance payment information transmission unit” (1434). , A “payment default information transmitting unit” (1436), a “deposit payment information receiving unit” (1437), and a “deposit payment information output unit” (1438). Since these components have already been described above, their description will be omitted. The feature of the receivable guarantee system of this embodiment is that the guarantee service device (1401) newly has a "remaining bond calculation unit" (1439) and a "remaining bond dependent deposit payment rule holding unit" (1440). The payment information generation unit (1433) has a remaining bond dependent security payment information generation unit (1441).

<Example 4 Guarantee Service Device Remaining Debt Calculation Unit>
The "residual bond calculation unit" (1439) has a function of calculating the remaining bonds of the installment loan at the time of default. Specifically, the department accesses the guarantee requesting apparatus and acquires payment history information of the installment receivables. The remaining bond is calculated by calculation using the payment history information and the amount of the bond stored in the bond information storage unit. The timing of the calculation may be the timing at which the default information is generated by the default information generation unit, or the timing of each payment of the installment. The calculated remaining bond is transferred to the remaining bond dependent deposit payment information generating means (1441). The functions of the headquarters are realized by a balance calculation program stored in the RAM and executed by the CPU.

<Example 4 Guarantee Service Device Retained Bond Dependent Deposit Payment Rule Holding Unit>
The “remaining bond dependent deposit payment rule holding unit” (1440) is a function for retaining a residual bond dependent deposit payment rule, which is a rule for generating information relating to the payment of a deposit based on the remaining debt of the installment receivable at the time of default. Having. A rule for generating security deposit payment information in a residual bond dependent security deposit information generating means (1441) described later is held. Here, the “rule” is a rule for generating security deposit payment information by inputting the remaining debt amount in the default information and the insurance payment information generated by the insurance service device (1402). Specifically, in order to calculate the guarantee amount, there are rules such as `` the guarantee amount is calculated by multiplying the remaining bond amount by a fixed rate '' or `` the guarantee amount in the insurance amount as the remaining bond amount decreases Increasing the ratio "can be considered. The retained bond dependent deposit payment rule held is passed to the residual bond dependent deposit payment information generation means (1441). The function of the headquarters is realized by volatile storage such as RAM or non-volatile storage such as hard disk.

<Example 4 Guarantee Service Device Means for Generating Deposit Dependent Dependent Deposit Information>
The “remaining bond-dependent security deposit payment information generating means” (1441) relates to the security deposit payment information generating unit, which relates to the payment of the security deposit based on the insurance payment information, the retained residual bond-dependent security deposit payment rule, and the remaining debt. It has a function of generating information. It receives the remaining debt information from the default information receiving unit (1426) and the remaining debt-dependent security deposit payment rule as an input from the remaining debt-dependent deposit payment rule holding unit (1440), and generates the deposit payment information based on both. The generated information is passed to the deposit information transmission unit (1431). The function of the headquarters is realized by a residual bond dependent deposit payment information generation program stored in the RAM and executed by the CPU.

<Example 4 Processing Flow>
FIG. 15 is a flowchart illustrating an example of a processing flow in the loan guarantee system of the present embodiment. After the generation and transmission of the default information is executed by the guarantee claim device, the insurance service device generates the insurance claim information, the insurance service device generates the insurance payment information, and the insurance payment information is transmitted. Since the processing up to this point has already been described, the description is omitted. As shown in this figure, the transmitted insurance money payment information is received (step S1501), and the remaining bond dependent security payment rule is read (step S1502). Next, based on the remaining bond dependent deposit payment rule and the remaining bond, the remaining bond dependent deposit payment information is generated (step S1503). Other security deposit information is also generated (step S1504). Next, the generated deposit payment information is transmitted to the guarantee requesting device (step S1505). Subsequent processing in the warranty claim device has already been described above, and a description thereof will be omitted.

<Hardware configuration>
FIG. 16 is a schematic diagram showing an example of a configuration in a claim guarantee system when the above functional components are realized as hardware. The operation of each hardware component in the processing of the present invention will be described with reference to FIG. As shown in the figure, the receivable guarantee system of this embodiment includes a guarantee service device, an insurance service device, and a guarantee request device. These are respectively “CPU” (1601), “RAM” (1602), “non-volatile memory” (1603) such as a hard disk drive, “network I / F” (1604), and “ U / I "(1605) and a" display device "(1606) including a display and a video card. Then, they are mutually connected by a data communication path such as a “system bus” (1607), and perform transmission / reception and processing of information.

  In addition, the RAM (1602) provides a work area that is also a work area of the program for causing the CPU (1601) to execute a program for performing various processes. The RAM (1602) stores information to be stored in the nonvolatile memory (1603) and information stored in the RAM (1602), and can temporarily store information to be displayed on the screen.

  Note that FIG. 16 shows only a warranty service device having a characteristic point in the present embodiment, and the description of the warranty claim device and the insurance service device is omitted because they have already been described above.

  Default information is generated in the warranty claim device, insurance claim information is generated in the warranty service device, and insurance payment information is generated in the insurance service device. Note that the processing up to this point has already been described above, and a description thereof will be omitted. When the insurance payment device transmits the insurance payment information, the insurance payment information receiving program of the guarantee service device is called on the RAM (1602) and executed by the CPU (1601). The program receives the insurance payment information via the network I / F (1604) and temporarily stores it in the RAM (1602). Next, a deposit payment information generation program is called on the RAM (1602) and executed by the CPU (1601). The program further calls a residual bond dependent deposit payment information generation program from the RAM (1602) and executes the program on the CPU (1601). This program generates remaining bond dependent deposit payment information data based on the remaining debt data stored in the RAM (1602) or the like and R: residual bond dependent deposit payment information rule. The generated data is passed to the deposit payment information generation program, and is temporarily stored in the RAM (1602) together with other generated deposit payment information data. The security deposit payment information data, including the retained bond-dependent security deposit payment information data, is called by the security deposit payment information transmission unit on the RAM (1602) and executed by the CPU (1601), and the data is transferred to the network I / F (1604). ) To the deposit requesting device. Subsequent processing is the same as described above, and a description thereof will be omitted.

0201 Warranty service device 0202 Insurance service device 0203 Warranty claim device 0204 Warranty claim receiving unit 0205 Warranty claim holding unit 0206 Warranty claim browsing output unit 0207 Insurance claim generating unit 0208 Insurance claim transmitting unit 0209 Insurance underwriting information receiving unit 0210 Insurance content browsing unit [0211] Insurance underwriting information holding unit 0212 Warranty information transmitting unit 0213 Insurance claim receiving unit 0214 Insurance claim holding unit 0215 Insurance claim output unit 0216 Insurance underwriting information generating unit 0217 Insurance content holding unit 0218 Insurance underwriting information transmitting unit 0219 Business identification information acquiring unit 0220 Claim information input receiving unit 0221 Claim information storage unit 0222 Guarantee claim transmitting unit 0223 Guarantee information receiving unit 0224 Guarantee information output unit

Claims (24)

Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee request receiving unit for receiving a guarantee request for guaranteeing at least a part of the remaining debts in the event of default with respect to the receivables, including receivable information that is information relating to the receivables;
A warranty claim holding unit for holding the received warranty claim,
A warranty claim browsing output unit for outputting the held warranty claim for viewing,
An insurance claim generation unit that generates an insurance claim in association with the warranty claim based on the warranty claim;
An insurance claim transmitting unit that transmits the generated insurance claim to an insurance service device described below,
An insurance underwriting information receiving unit that receives insurance underwriting information associated with insurance content in accordance with the transmitted insurance claim;
An insurance content browsing unit for browsing the insurance content associated with the insurance underwriting information;
An insurance underwriting information holding unit that holds the received insurance underwriting information,
Based on the received insurance underwriting information, at least a portion of the breach of obligation when the default of the claim related to the guarantee request of the business entity identified by the business operator identification information in association with the business operator identification information is performed. A guarantee information transmitting unit for transmitting guarantee information comprising:
A warranty service device having
An insurance claim receiving unit that receives an insurance claim transmitted from the warranty service device,
An insurance claim holding unit that holds the received insurance claim;
An insurance claim output unit that outputs the held insurance claim,
An insurance underwriting information generating unit that generates insurance underwriting information based on the outputted insurance claims,
An insurance content holding unit that holds the insurance content to be underwritten in the insurance underwriting information,
An insurance underwriting information transmitting unit that transmits the generated insurance underwriting information to the warranty service device;
An insurance service device having
A business identification information acquisition unit for obtaining business identification information,
A credit information input receiving unit for receiving input of credit information, which is information relating to the credit owned by the business in association with the business identification information,
A credit information storage unit that stores the received credit information;
A guarantee request transmission unit for transmitting a guarantee request, which is information for requesting a guarantee including accumulated credit information, to the guarantee service device,
A guarantee information receiving unit for receiving guarantee information corresponding to the transmitted guarantee request from the guarantee service device,
A guarantee information output unit for outputting the received guarantee information,
A warranty claim device having
A credit guarantee system consisting of The guarantee request receiving unit of the guarantee service device includes a batch guarantee request receiving unit that receives a batch guarantee request that is a guarantee request including a plurality of claims information related to a plurality of claims.
The claim guarantee system according to claim 1, wherein the guarantee request transmitting unit of the guarantee request device includes a batch guarantee request transmission unit that transmits a batch guarantee request that is a guarantee request including a plurality of claims information on a plurality of claims. The insurance claim generation unit of the warranty service device includes a batch insurance claim generation unit that generates a batch insurance claim for claiming a lump-sum insurance against a plurality of warranty claims based on the batch warranty claim,
The insurance claim transmitting unit has a batch insurance claim transmitting unit that transmits the generated batch insurance claim to the insurance service device,
The insurance underwriting information receiving unit receives the batch insurance underwriting information, which receives the batch insurance underwriting information, which is information indicating that a batch insurance claim associated with each insurance content corresponding to each warranty claim is received in accordance with the transmitted batch insurance claim. Having means,
The insurance underwriting information holding unit has a batch underwriting information holding unit that holds the received batch underwriting information,
The claim guarantee system according to claim 2. Business default information, a default information receiver that receives default information that is information on defaults including remaining debt information that has arisen regarding specific receivables owned by the business,
An insurance claim information generation unit that generates insurance claim information that is insurance claim based on insurance underwriting information corresponding to a guarantee corresponding to a loan related to the default, based on the received default information;
An insurance claim information transmitting unit that transmits the generated insurance claim information,
An insurance-payment-information receiving unit that receives insurance-payment information that is information about insurance payment according to the transmitted insurance claim information;
A deposit payment information generation unit that generates deposit payment information that is information related to deposit payment based on the received insurance payment information,
A deposit payment information transmitting unit for transmitting the generated deposit payment information,
A warranty service device further comprising:
An insurance claim information receiving unit that receives insurance claim information;
An insurance payment information generation unit that generates insurance payment information based on the received insurance claim information,
An insurance payment information transmitting unit for transmitting the generated insurance payment information,
An insurance service device further comprising:
Business entity identification information, a default information generation unit that generates default information that is information on default including the remaining debt information,
A default information transmitting unit that transmits the generated default information;
A deposit payment information receiving unit for receiving the deposit payment information according to the transmitted default information;
A deposit information output unit for outputting the acquired deposit information,
A warranty claim device further comprising:
The claim guarantee system according to claim 1, comprising: The claim is an installment claim,
Warranty service equipment
A remaining debt calculation unit for calculating the remaining debt of the installment receivable upon default;
Further comprising a residual bond dependent deposit payment rule holding unit, which is a rule for generating information on the payment of the deposit based on the calculated residual bond,
5. The security deposit payment information generation unit according to claim 4, wherein the security deposit payment information generation unit includes a security bond dependent security payment information generation unit configured to generate information related to security bond payment based on the retained security bond payment rule held and the calculated security balance. Credit guarantee system. A warranty service device according to any one of claims 1 to 5. The insurance service device according to any one of claims 1 to 5. A warranty claim device according to any one of claims 1 to 5. A method of operating a credit guarantee system including a guarantee service device, an insurance service device, and a guarantee claim device,
Warranty service equipment
Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee request receiving step for receiving a guarantee request for guaranteeing at least a part of the remaining debts in the event of default with respect to the receivables, including receivable information that is information relating to the receivables;
A warranty claim browsing output step of outputting the warranty claim for viewing;
An insurance claim generation step of generating an insurance claim in association with the warranty claim based on the warranty claim;
An insurance claim transmitting step of transmitting the generated insurance claim to an insurance service device described below,
Insurance underwriting information receiving step of receiving insurance underwriting information associated with the insurance content according to the transmitted insurance claim;
An insurance content browsing step for browsing the insurance content associated with the insurance underwriting information;
Based on the received insurance underwriting information, at least a portion of the breach of obligation when the default of the claim related to the guarantee request of the business entity identified by the business operator identification information in association with the business operator identification information is performed. A guarantee information transmitting step of transmitting guarantee information comprising:
Run
Insurance service equipment
An insurance claim receiving step of receiving an insurance claim transmitted from the warranty service device;
An insurance claim output step of outputting an insurance claim,
Underwriting information generating step of generating insurance underwriting information based on the outputted insurance claim,
Insurance underwriting information transmitting step of transmitting the generated insurance underwriting information to the warranty service device,
Run
Warranty claim device
A business identification information acquisition step of obtaining business identification information,
Claim information input receiving step of accepting input of claim information, which is information on the claim owned by the company in association with the company identification information,
A guarantee request transmitting step of transmitting a guarantee request, which is information for requesting a guarantee including credit information, to the guarantee service device;
A guarantee information receiving step of receiving guarantee information according to the transmitted guarantee request from the guarantee service device;
A guarantee information output step of outputting the received guarantee information,
Run,
How the credit guarantee system works. Warranty service equipment
Debt default information acquisition step of acquiring default information, which is information on defaults including information on remaining debts arising with respect to a specific claim held by the business operator, and
Based on the acquired default information, an insurance claim information generating step of generating insurance claim information that is an insurance claim based on insurance underwriting information corresponding to a guarantee corresponding to the loan related to the default,
An insurance claim information transmitting step of transmitting the generated insurance claim information,
An insurance payment information receiving step of receiving insurance payment information that is information on insurance payment according to the transmitted insurance claim information,
Deposit payment information generation step of generating deposit payment information, which is information about deposit payment based on the received insurance payment information,
Deposit payment information transmission step of transmitting the generated deposit payment information,
And perform
Insurance service equipment
Insurance claim information receiving step of receiving insurance claim information;
An insurance payment information generating step of generating insurance payment information based on the received insurance claim information,
An insurance payment information transmitting step of transmitting the generated insurance payment information,
And perform
Warranty claim device
Business entity identification information, default information generation step of generating default information that is information on default including the remaining debt information,
Default information transmission step of transmitting the generated default information,
A deposit payment information receiving step for receiving the deposit payment information according to the transmitted default information;
A deposit payment information output step for outputting the received deposit payment information,
Perform further,
The operation method of the claim guarantee system according to claim 9, comprising: An operation program of a credit guarantee system comprising a guarantee service device, an insurance service device, and a guarantee claim device,
Warranty service equipment
Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee request receiving step for receiving a guarantee request for guaranteeing at least a part of the remaining debts in the event of default with respect to the receivables, including receivable information that is information relating to the receivables;
A warranty claim browsing output step of outputting the warranty claim for viewing;
An insurance claim generation step of generating an insurance claim in association with the warranty claim based on the warranty claim;
An insurance claim transmitting step of transmitting the generated insurance claim to an insurance service device described below,
Insurance underwriting information receiving step of receiving insurance underwriting information associated with the insurance content according to the transmitted insurance claim;
An insurance content browsing step for browsing the insurance content associated with the insurance underwriting information;
Based on the received insurance underwriting information, at least a portion of the breach of obligation when the default of the claim related to the guarantee request of the business entity identified by the business operator identification information in association with the business operator identification information is performed. Executing a guarantee information transmitting step of transmitting guarantee information comprising
Insurance service equipment
An insurance claim receiving step of receiving an insurance claim transmitted from the warranty service device;
An insurance claim output step of outputting an insurance claim,
Underwriting information generating step of generating insurance underwriting information based on the outputted insurance claim,
Insurance underwriting information transmitting step of transmitting the generated insurance underwriting information to the warranty service device,
Run
Warranty claim device
A business identification information acquisition step of obtaining business identification information,
Claim information input receiving step of accepting input of claim information, which is information on the claim owned by the company in association with the company identification information,
A guarantee request transmitting step of transmitting a guarantee request, which is information for requesting a guarantee including credit information, to the guarantee service device;
A guarantee information receiving step of receiving guarantee information according to the transmitted guarantee request from the guarantee service device;
A guarantee information output step of outputting the received guarantee information,
Run,
Operation program of the credit guarantee system. Warranty service equipment
Debt default information receiving step of acquiring default information, which is information on defaults including information on remaining debts generated with respect to specific receivables owned by the business, and business identification information,
Based on the received default information, an insurance claim information generating step of generating insurance claim information, which is insurance claim information based on insurance underwriting information corresponding to a guarantee corresponding to the loan related to the default,
An insurance claim information transmitting step of transmitting the generated insurance claim information,
An insurance payment information receiving step of receiving insurance payment information that is information on insurance payment according to the transmitted insurance claim information,
Deposit payment information generation step of generating deposit payment information, which is information about deposit payment based on the received insurance payment information,
Deposit payment information transmission step of transmitting the generated deposit payment information,
And perform
Insurance service equipment
Insurance claim information receiving step of receiving insurance claim information;
An insurance payment information generating step of generating insurance payment information based on the received insurance claim information,
An insurance payment information transmitting step of transmitting the generated insurance payment information,
And perform
Warranty claim device
Business entity identification information, default information generation step of generating default information that is information on default including the remaining debt information,
Default information transmission step of transmitting the generated default information,
A deposit payment information receiving step for receiving the deposit payment information according to the transmitted default information;
A deposit payment information output step for outputting the received deposit payment information,
Perform further,
An operation program of the claim guarantee system according to claim 11. Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee request receiving unit for receiving a guarantee request for guaranteeing at least a part of the remaining debts in the event of default with respect to the receivables, including receivable information that is information relating to the receivables;
A warranty claim holding unit for holding the received warranty claim,
A warranty claim browsing output unit for outputting the held warranty claim for viewing,
An insurance claim generation unit that generates an insurance claim in association with the warranty claim based on the warranty claim;
An insurance claim transmitting unit that transmits the generated insurance claim to an insurance service device described below,
An insurance underwriting information receiving unit that receives insurance underwriting information associated with insurance content in accordance with the transmitted insurance claim;
An insurance content browsing unit for browsing the insurance content associated with the insurance underwriting information;
An insurance underwriting information holding unit that holds the received insurance underwriting information,
Based on the received insurance underwriting information, at least a portion of the breach of obligation when the default of the claim related to the guarantee request of the business entity identified by the business operator identification information in association with the business operator identification information is performed. A guarantee information transmitting unit for transmitting guarantee information comprising:
Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee service device for guaranteeing at least a part of the remaining bonds in the event of default with respect to the claims, including claim information
An insurance claim receiving unit that receives an insurance claim transmitted from the warranty service device,
An insurance claim holding unit that holds the received insurance claim;
An insurance claim output unit that outputs the held insurance claim,
An insurance underwriting information generating unit that generates insurance underwriting information based on the outputted insurance claims,
An insurance content holding unit that holds the insurance content to be underwritten in the insurance underwriting information,
An insurance underwriting information transmitting unit that transmits the generated insurance underwriting information to the warranty service device;
An insurance service device having
A business identification information acquisition unit for obtaining business identification information,
A credit information input receiving unit for receiving input of credit information, which is information relating to the credit owned by the business in association with the business identification information,
A credit information storage unit that stores the received credit information;
A guarantee request transmission unit for transmitting a guarantee request, which is information for requesting a guarantee including accumulated credit information, to the guarantee service device,
A guarantee information receiving unit for receiving guarantee information corresponding to the transmitted guarantee request from the guarantee service device,
A guarantee information output unit for outputting the received guarantee information,
A warranty claim device having
A method of operating a guarantee service device of a credit guarantee system comprising:
Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee request receiving step for receiving a guarantee request for guaranteeing at least a part of the remaining debts in the event of default with respect to the receivables, including receivable information that is information relating to the receivables;
A warranty claim browsing output step of outputting the warranty claim for viewing;
An insurance claim generation step of generating an insurance claim in association with the warranty claim based on the warranty claim;
An insurance claim transmitting step of transmitting the generated insurance claim to an insurance service device described below,
Insurance underwriting information receiving step of receiving insurance underwriting information associated with the insurance content according to the transmitted insurance claim;
An insurance content browsing step for browsing the insurance content associated with the insurance underwriting information;
Based on the received insurance underwriting information, at least a portion of the breach of obligation when the default of the claim related to the guarantee request of the business entity identified by the business operator identification information in association with the business operator identification information is performed. A guarantee information transmitting step of transmitting guarantee information comprising:
Method of operating a warranty service device that performs Business default information, a default information receiver that receives default information that is information on defaults including remaining debt information that has arisen regarding specific receivables owned by the business,
An insurance claim information generation unit that generates insurance claim information that is insurance claim based on insurance underwriting information corresponding to a guarantee corresponding to a loan related to the default, based on the received default information;
An insurance claim information transmitting unit that transmits the generated insurance claim information,
An insurance-payment-information receiving unit that receives insurance-payment information that is information about insurance payment according to the transmitted insurance claim information;
A deposit payment information generation unit that generates deposit payment information that is information related to deposit payment based on the received insurance payment information,
A deposit payment information transmitting unit for transmitting the generated deposit payment information,
A warranty service device further comprising:
An insurance claim information receiving unit that receives insurance claim information;
An insurance payment information generation unit that generates insurance payment information based on the received insurance claim information,
An insurance payment information transmitting unit for transmitting the generated insurance payment information,
An insurance service device further comprising:
Business entity identification information, a default information generation unit that generates default information that is information on default including the remaining debt information,
A default information transmitting unit that transmits the generated default information;
A deposit payment information receiving unit for receiving the deposit payment information according to the transmitted default information;
A deposit information output unit for outputting the acquired deposit information,
A warranty claim device further comprising:
An operation method of the guarantee service device of the claim guarantee system according to claim 13, comprising:
Debt default information acquisition step of acquiring default information, which is information on defaults including information on remaining debts arising with respect to a specific claim held by the business operator, and
Based on the acquired default information, an insurance claim information generating step of generating insurance claim information that is an insurance claim based on insurance underwriting information corresponding to a guarantee corresponding to the loan related to the default,
An insurance claim information transmitting step of transmitting the generated insurance claim information,
An insurance payment information receiving step of receiving insurance payment information that is information on insurance payment according to the transmitted insurance claim information,
Deposit payment information generation step of generating deposit payment information, which is information about deposit payment based on the received insurance payment information,
Deposit payment information transmission step of transmitting the generated deposit payment information,
The operation method of the warranty service device according to claim 13, further comprising: Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee request receiving unit for receiving a guarantee request for guaranteeing at least a part of the remaining debts in the event of default with respect to the receivables, including receivable information that is information relating to the receivables;
A warranty claim holding unit for holding the received warranty claim,
A warranty claim browsing output unit for outputting the held warranty claim for viewing,
An insurance claim generation unit that generates an insurance claim in association with the warranty claim based on the warranty claim;
An insurance claim transmitting unit that transmits the generated insurance claim to an insurance service device described below,
An insurance underwriting information receiving unit that receives insurance underwriting information associated with insurance content in accordance with the transmitted insurance claim;
An insurance content browsing unit for browsing the insurance content associated with the insurance underwriting information;
An insurance underwriting information holding unit that holds the received insurance underwriting information,
Based on the received insurance underwriting information, at least a portion of the breach of obligation when the default of the claim related to the guarantee request of the business entity identified by the business operator identification information in association with the business operator identification information is performed. A guarantee information transmitting unit for transmitting guarantee information comprising:
Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee service device for guaranteeing at least a part of the remaining bonds in the event of default with respect to the claims, including claim information
An insurance claim receiving unit that receives an insurance claim transmitted from the warranty service device,
An insurance claim holding unit that holds the received insurance claim;
An insurance claim output unit that outputs the held insurance claim,
An insurance underwriting information generating unit that generates insurance underwriting information based on the outputted insurance claims,
An insurance content holding unit that holds the insurance content to be underwritten in the insurance underwriting information,
An insurance underwriting information transmitting unit that transmits the generated insurance underwriting information to the warranty service device;
An insurance service device having
A business identification information acquisition unit for obtaining business identification information,
A credit information input receiving unit for receiving input of credit information, which is information relating to the credit owned by the business in association with the business identification information,
A credit information storage unit that stores the received credit information;
A guarantee request transmission unit for transmitting a guarantee request, which is information for requesting a guarantee including accumulated credit information, to the guarantee service device,
A guarantee information receiving unit for receiving guarantee information corresponding to the transmitted guarantee request from the guarantee service device,
A guarantee information output unit for outputting the received guarantee information,
A warranty claim device having
An operation method of an insurance service device of a credit guarantee system comprising:
An insurance claim receiving step of receiving an insurance claim transmitted from the warranty service device;
An insurance claim output step of outputting an insurance claim,
Underwriting information generating step of generating insurance underwriting information based on the outputted insurance claim,
Insurance underwriting information transmitting step of transmitting the generated insurance underwriting information to the warranty service device,
The operation method of the insurance service device that performs the operation. Business default information, a default information receiver that receives default information that is information on defaults including remaining debt information that has arisen regarding specific receivables owned by the business,
An insurance claim information generation unit that generates insurance claim information that is insurance claim based on insurance underwriting information corresponding to a guarantee corresponding to a loan related to the default, based on the received default information;
An insurance claim information transmitting unit that transmits the generated insurance claim information,
An insurance-payment-information receiving unit that receives insurance-payment information that is information about insurance payment according to the transmitted insurance claim information;
A deposit payment information generation unit that generates deposit payment information that is information related to deposit payment based on the received insurance payment information,
A deposit payment information transmitting unit for transmitting the generated deposit payment information,
A warranty service device further comprising:
An insurance claim information receiving unit that receives insurance claim information;
An insurance payment information generation unit that generates insurance payment information based on the received insurance claim information,
An insurance payment information transmitting unit for transmitting the generated insurance payment information,
An insurance service device further comprising:
Business entity identification information, a default information generation unit that generates default information that is information on default including the remaining debt information,
A default information transmitting unit that transmits the generated default information;
A deposit payment information receiving unit for receiving the deposit payment information according to the transmitted default information;
A deposit information output unit for outputting the acquired deposit information,
A warranty claim device further comprising:
An operation method of the insurance service device of the claim guarantee system according to claim 15, comprising:
Insurance claim information receiving step of receiving insurance claim information;
An insurance payment information generating step of generating insurance payment information based on the received insurance claim information,
An insurance payment information transmitting step of transmitting the generated insurance payment information,
The operation method of the insurance service device according to claim 15, further comprising: Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee request receiving unit for receiving a guarantee request for guaranteeing at least a part of the remaining debts in the event of default with respect to the receivables, including receivable information that is information relating to the receivables;
A warranty claim holding unit for holding the received warranty claim,
A warranty claim browsing output unit for outputting the held warranty claim for viewing,
An insurance claim generation unit that generates an insurance claim in association with the warranty claim based on the warranty claim;
An insurance claim transmitting unit that transmits the generated insurance claim to an insurance service device described below,
An insurance underwriting information receiving unit that receives insurance underwriting information associated with insurance content in accordance with the transmitted insurance claim;
An insurance content browsing unit for browsing the insurance content associated with the insurance underwriting information;
An insurance underwriting information holding unit that holds the received insurance underwriting information,
Based on the received insurance underwriting information, at least a portion of the breach of obligation when the default of the claim related to the guarantee request of the business entity identified by the business operator identification information in association with the business operator identification information is performed. A guarantee information transmitting unit for transmitting guarantee information comprising:
Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee service device for guaranteeing at least a part of the remaining bonds in the event of default with respect to the claims, including claim information
An insurance claim receiving unit that receives an insurance claim transmitted from the warranty service device,
An insurance claim holding unit that holds the received insurance claim;
An insurance claim output unit that outputs the held insurance claim,
An insurance underwriting information generating unit that generates insurance underwriting information based on the outputted insurance claims,
An insurance content holding unit that holds the insurance content to be underwritten in the insurance underwriting information,
An insurance underwriting information transmitting unit that transmits the generated insurance underwriting information to the warranty service device;
An insurance service device having
A business identification information acquisition unit for obtaining business identification information,
A credit information input receiving unit for receiving input of credit information, which is information relating to the credit owned by the business in association with the business identification information,
A credit information storage unit that stores the received credit information;
A guarantee request transmission unit for transmitting a guarantee request, which is information for requesting a guarantee including accumulated credit information, to the guarantee service device,
A guarantee information receiving unit for receiving guarantee information corresponding to the transmitted guarantee request from the guarantee service device,
A guarantee information output unit for outputting the received guarantee information,
A warranty claim device having
An operation method of a guarantee claim device of a credit guarantee system comprising:
A business identification information acquisition step of obtaining business identification information,
Claim information input receiving step of accepting input of claim information, which is information on the claim owned by the company in association with the company identification information,
A guarantee request transmitting step of transmitting a guarantee request, which is information for requesting a guarantee including credit information, to the guarantee service device;
A guarantee information receiving step of receiving guarantee information according to the transmitted guarantee request from the guarantee service device;
A guarantee information output step of outputting the received guarantee information,
The operation method of the guarantee claim device that performs the following. Business default information, a default information receiver that receives default information that is information on defaults including remaining debt information that has arisen regarding specific receivables owned by the business,
An insurance claim information generation unit that generates insurance claim information that is insurance claim based on insurance underwriting information corresponding to a guarantee corresponding to a loan related to the default, based on the received default information;
An insurance claim information transmitting unit that transmits the generated insurance claim information,
An insurance-payment-information receiving unit that receives insurance-payment information that is information about insurance payment according to the transmitted insurance claim information;
A deposit payment information generation unit that generates deposit payment information that is information related to deposit payment based on the received insurance payment information,
A deposit payment information transmitting unit for transmitting the generated deposit payment information,
A warranty service device further comprising:
An insurance claim information receiving unit that receives insurance claim information;
An insurance payment information generation unit that generates insurance payment information based on the received insurance claim information,
An insurance payment information transmitting unit for transmitting the generated insurance payment information,
An insurance service device further comprising:
Business entity identification information, a default information generation unit that generates default information that is information on default including the remaining debt information,
A default information transmitting unit that transmits the generated default information;
A deposit payment information receiving unit for receiving the deposit payment information according to the transmitted default information;
A deposit information output unit for outputting the acquired deposit information,
A warranty claim device further comprising:
An operation method of a guarantee claim device of the claim guarantee system according to claim 17, comprising:
Business entity identification information, default information generation step of generating default information that is information on default including the remaining debt information,
Default information transmission step of transmitting the generated default information,
A deposit payment information receiving step for receiving the deposit payment information according to the transmitted default information;
A deposit payment information output step for outputting the received deposit payment information,
18. The method according to claim 17, further comprising: Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee request receiving unit for receiving a guarantee request for guaranteeing at least a part of the remaining debts in the event of default with respect to the receivables, including receivable information that is information relating to the receivables;
A warranty claim holding unit for holding the received warranty claim,
A warranty claim browsing output unit for outputting the held warranty claim for viewing,
An insurance claim generation unit that generates an insurance claim in association with the warranty claim based on the warranty claim;
An insurance claim transmitting unit that transmits the generated insurance claim to an insurance service device described below,
An insurance underwriting information receiving unit that receives insurance underwriting information associated with insurance content in accordance with the transmitted insurance claim;
An insurance content browsing unit for browsing the insurance content associated with the insurance underwriting information;
An insurance underwriting information holding unit that holds the received insurance underwriting information,
Based on the received insurance underwriting information, at least a portion of the breach of obligation when the default of the claim related to the guarantee request of the business entity identified by the business operator identification information in association with the business operator identification information is performed. A guarantee information transmitting unit for transmitting guarantee information comprising:
Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee service device for guaranteeing at least a part of the remaining bonds in the event of default with respect to the claims, including claim information
An insurance claim receiving unit that receives an insurance claim transmitted from the warranty service device,
An insurance claim holding unit that holds the received insurance claim;
An insurance claim output unit that outputs the held insurance claim,
An insurance underwriting information generating unit that generates insurance underwriting information based on the outputted insurance claims,
An insurance content holding unit that holds the insurance content to be underwritten in the insurance underwriting information,
An insurance underwriting information transmitting unit that transmits the generated insurance underwriting information to the warranty service device;
An insurance service device having
A business identification information acquisition unit for obtaining business identification information,
A credit information input receiving unit for receiving input of credit information, which is information relating to the credit owned by the business in association with the business identification information,
A credit information storage unit that stores the received credit information;
A guarantee request transmission unit for transmitting a guarantee request, which is information for requesting a guarantee including accumulated credit information, to the guarantee service device,
A guarantee information receiving unit for receiving guarantee information corresponding to the transmitted guarantee request from the guarantee service device,
A guarantee information output unit for outputting the received guarantee information,
A warranty claim device having
An operation program of a guarantee service device of a credit guarantee system comprising:
Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee request receiving step for receiving a guarantee request for guaranteeing at least a part of the remaining debts in the event of default with respect to the receivables, including receivable information that is information relating to the receivables;
A warranty claim browsing output step of outputting the warranty claim for viewing;
An insurance claim generation step of generating an insurance claim in association with the warranty claim based on the warranty claim;
An insurance claim transmitting step of transmitting the generated insurance claim to an insurance service device described below,
Insurance underwriting information receiving step of receiving insurance underwriting information associated with the insurance content according to the transmitted insurance claim;
An insurance content browsing step for browsing the insurance content associated with the insurance underwriting information;
Based on the received insurance underwriting information, at least a portion of the breach of obligation when the default of the claim related to the guarantee request of the business entity identified by the business operator identification information in association with the business operator identification information is performed. A guarantee information transmitting step of transmitting guarantee information comprising:
The operation program of the warranty service device that executes. Business default information, a default information receiver that receives default information that is information on defaults including remaining debt information that has arisen regarding specific receivables owned by the business,
An insurance claim information generation unit that generates insurance claim information that is insurance claim based on insurance underwriting information corresponding to a guarantee corresponding to a loan related to the default, based on the received default information;
An insurance claim information transmitting unit that transmits the generated insurance claim information,
An insurance-payment-information receiving unit that receives insurance-payment information that is information about insurance payment according to the transmitted insurance claim information;
A deposit payment information generation unit that generates deposit payment information that is information related to deposit payment based on the received insurance payment information,
A deposit payment information transmitting unit for transmitting the generated deposit payment information,
A warranty service device further comprising:
An insurance claim information receiving unit that receives insurance claim information;
An insurance payment information generation unit that generates insurance payment information based on the received insurance claim information,
An insurance payment information transmitting unit for transmitting the generated insurance payment information,
An insurance service device further comprising:
Business entity identification information, a default information generation unit that generates default information that is information on default including the remaining debt information,
A default information transmitting unit that transmits the generated default information;
A deposit payment information receiving unit for receiving the deposit payment information according to the transmitted default information;
A deposit information output unit for outputting the acquired deposit information,
A warranty claim device further comprising:
An operation program for a guarantee service device of the claim guarantee system according to claim 19, comprising:
Debt default information acquisition step of acquiring default information, which is information on defaults including information on remaining debts arising with respect to a specific claim held by the business operator, and
Based on the acquired default information, an insurance claim information generating step of generating insurance claim information that is an insurance claim based on insurance underwriting information corresponding to a guarantee corresponding to the loan related to the default,
An insurance claim information transmitting step of transmitting the generated insurance claim information,
An insurance payment information receiving step of receiving insurance payment information that is information on insurance payment according to the transmitted insurance claim information,
Deposit payment information generation step of generating deposit payment information, which is information about deposit payment based on the received insurance payment information,
Deposit payment information transmission step of transmitting the generated deposit payment information,
20. The operation program according to claim 19, further comprising: Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee request receiving unit for receiving a guarantee request for guaranteeing at least a part of the remaining debts in the event of default with respect to the receivables, including receivable information that is information relating to the receivables;
A warranty claim holding unit for holding the received warranty claim,
A warranty claim browsing output unit for outputting the held warranty claim for viewing,
An insurance claim generation unit that generates an insurance claim in association with the warranty claim based on the warranty claim;
An insurance claim transmitting unit that transmits the generated insurance claim to an insurance service device described below,
An insurance underwriting information receiving unit that receives insurance underwriting information associated with insurance content in accordance with the transmitted insurance claim;
An insurance content browsing unit for browsing the insurance content associated with the insurance underwriting information;
An insurance underwriting information holding unit that holds the received insurance underwriting information,
Based on the received insurance underwriting information, at least a portion of the breach of obligation when the default of the claim related to the guarantee request of the business entity identified by the business operator identification information in association with the business operator identification information is performed. A guarantee information transmitting unit for transmitting guarantee information comprising:
Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee service device for guaranteeing at least a part of the remaining bonds in the event of default with respect to the claims, including claim information
An insurance claim receiving unit that receives an insurance claim transmitted from the warranty service device,
An insurance claim holding unit that holds the received insurance claim;
An insurance claim output unit that outputs the held insurance claim,
An insurance underwriting information generating unit that generates insurance underwriting information based on the outputted insurance claims,
An insurance content holding unit that holds the insurance content to be underwritten in the insurance underwriting information,
An insurance underwriting information transmitting unit that transmits the generated insurance underwriting information to the warranty service device;
An insurance service device having
A business identification information acquisition unit for obtaining business identification information,
A credit information input receiving unit for receiving input of credit information, which is information relating to the credit owned by the business in association with the business identification information,
A credit information storage unit that stores the received credit information;
A guarantee request transmission unit for transmitting a guarantee request, which is information for requesting a guarantee including accumulated credit information, to the guarantee service device,
A guarantee information receiving unit for receiving guarantee information corresponding to the transmitted guarantee request from the guarantee service device,
A guarantee information output unit for outputting the received guarantee information,
A warranty claim device having
Operating program of an insurance service device of a credit guarantee system comprising:
An insurance claim receiving step of receiving an insurance claim transmitted from the warranty service device;
An insurance claim output step of outputting an insurance claim,
Underwriting information generating step of generating insurance underwriting information based on the outputted insurance claim,
Insurance underwriting information transmitting step of transmitting the generated insurance underwriting information to the warranty service device,
The operation program of the insurance service device that executes the. Business default information, a default information receiver that receives default information that is information on defaults including remaining debt information that has arisen regarding specific receivables owned by the business,
An insurance claim information generation unit that generates insurance claim information that is insurance claim based on insurance underwriting information corresponding to a guarantee corresponding to a loan related to the default, based on the received default information;
An insurance claim information transmitting unit that transmits the generated insurance claim information,
An insurance-payment-information receiving unit that receives insurance-payment information that is information about insurance payment according to the transmitted insurance claim information;
A deposit payment information generation unit that generates deposit payment information that is information related to deposit payment based on the received insurance payment information,
A deposit payment information transmitting unit for transmitting the generated deposit payment information,
A warranty service device further comprising:
An insurance claim information receiving unit that receives insurance claim information;
An insurance payment information generation unit that generates insurance payment information based on the received insurance claim information,
An insurance payment information transmitting unit for transmitting the generated insurance payment information,
An insurance service device further comprising:
Business entity identification information, a default information generation unit that generates default information that is information on default including the remaining debt information,
A default information transmitting unit that transmits the generated default information;
A deposit payment information receiving unit for receiving the deposit payment information according to the transmitted default information;
A deposit information output unit for outputting the acquired deposit information,
A warranty claim device further comprising:
An operation program for an insurance service device of the claim guarantee system according to claim 21, comprising:
Insurance claim information receiving step of receiving insurance claim information;
An insurance payment information generating step of generating insurance payment information based on the received insurance claim information,
An insurance payment information transmitting step of transmitting the generated insurance payment information,
The operation program of the insurance service device according to claim 21, further comprising: Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee request receiving unit for receiving a guarantee request for guaranteeing at least a part of the remaining debts in the event of default with respect to the receivables, including receivable information that is information relating to the receivables;
A warranty claim holding unit for holding the received warranty claim,
A warranty claim browsing output unit for outputting the held warranty claim for viewing,
An insurance claim generation unit that generates an insurance claim in association with the warranty claim based on the warranty claim;
An insurance claim transmitting unit that transmits the generated insurance claim to an insurance service device described below,
An insurance underwriting information receiving unit that receives insurance underwriting information associated with insurance content in accordance with the transmitted insurance claim;
An insurance content browsing unit for browsing the insurance content associated with the insurance underwriting information;
An insurance underwriting information holding unit that holds the received insurance underwriting information,
Based on the received insurance underwriting information, at least a portion of the breach of obligation when the default of the claim related to the guarantee request of the business entity identified by the business operator identification information in association with the business operator identification information is performed. A guarantee information transmitting unit for transmitting guarantee information comprising:
Claims held by the business operator for purchasers who purchase goods and / or services (hereinafter referred to as "products") provided by the business operator identified by the business operator identification information in association with the business operator identification information by post-payment A guarantee service device for guaranteeing at least a part of the remaining bonds in the event of default with respect to the claims, including claim information
An insurance claim receiving unit that receives an insurance claim transmitted from the warranty service device,
An insurance claim holding unit that holds the received insurance claim;
An insurance claim output unit that outputs the held insurance claim,
An insurance underwriting information generating unit that generates insurance underwriting information based on the outputted insurance claims,
An insurance content holding unit that holds the insurance content to be underwritten in the insurance underwriting information,
An insurance underwriting information transmitting unit that transmits the generated insurance underwriting information to the warranty service device;
An insurance service device having
A business identification information acquisition unit for obtaining business identification information,
A credit information input receiving unit for receiving input of credit information, which is information relating to the credit owned by the business in association with the business identification information,
A credit information storage unit that stores the received credit information;
A guarantee request transmission unit for transmitting a guarantee request, which is information for requesting a guarantee including accumulated credit information, to the guarantee service device,
A guarantee information receiving unit for receiving guarantee information corresponding to the transmitted guarantee request from the guarantee service device,
A guarantee information output unit for outputting the received guarantee information,
A warranty claim device having
An operation program of a guarantee claim device of a credit guarantee system comprising:
A business identification information acquisition step of obtaining business identification information,
Claim information input receiving step of accepting input of claim information, which is information on the claim owned by the company in association with the company identification information,
A guarantee request transmitting step of transmitting a guarantee request, which is information for requesting a guarantee including credit information, to the guarantee service device;
A guarantee information receiving step of receiving guarantee information according to the transmitted guarantee request from the guarantee service device;
A guarantee information output step of outputting the received guarantee information,
Operating program of the warranty claim device that executes Business default information, a default information receiver that receives default information that is information on defaults including remaining debt information that has arisen regarding specific receivables owned by the business,
An insurance claim information generation unit that generates insurance claim information that is insurance claim based on insurance underwriting information corresponding to a guarantee corresponding to a loan related to the default, based on the received default information;
An insurance claim information transmitting unit that transmits the generated insurance claim information,
An insurance-payment-information receiving unit that receives insurance-payment information that is information about insurance payment according to the transmitted insurance claim information;
A deposit payment information generation unit that generates deposit payment information that is information related to deposit payment based on the received insurance payment information,
A deposit payment information transmitting unit for transmitting the generated deposit payment information,
A warranty service device further comprising:
An insurance claim information receiving unit that receives insurance claim information;
An insurance payment information generation unit that generates insurance payment information based on the received insurance claim information,
An insurance payment information transmitting unit for transmitting the generated insurance payment information,
An insurance service device further comprising:
Business entity identification information, a default information generation unit that generates default information that is information on default including the remaining debt information,
A default information transmitting unit that transmits the generated default information;
A deposit payment information receiving unit for receiving the deposit payment information according to the transmitted default information;
A deposit information output unit for outputting the acquired deposit information,
A warranty claim device further comprising:
An operation program for a guarantee claim device of the claim guarantee system according to claim 23, comprising:
Business entity identification information, default information generation step of generating default information that is information on default including the remaining debt information,
Default information transmission step of transmitting the generated default information,
A deposit payment information receiving step for receiving the deposit payment information according to the transmitted default information;
A deposit payment information output step for outputting the received deposit payment information,
24. The operation program for a warranty claim device according to claim 23, further comprising:

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