Press Release
March 16, 2023
JTB Business Travel Solutions, Inc.

JTB Business Travel Solutions concludes a commission sales agreement withChillStack to form a business alliance- Aiming to prevent fraudulent expense usage by using both J’sNAVI NEO, an expense settlement andbusiness travel management solution, and Stena Expense, a cloud-based automatic fraud expense
detection system -JTB Business Travel Solutions, Inc., a company that provides J’sNAVI NEO, an expense settlement andbusiness travel management solution (headquartered in Koto-ku, Tokyo; President & CEO: Masamitsu
Shibuya; hereinafter referred to as “JTB-CWT”) concluded an commission sales agreement with ChillStack,Inc., a provider of Stena Expense, a cloud service that automatically detects fraud expense usage in thepersonal expense reimbursement process (headquartered in Shibuya-ku, Tokyo; President and CEO:Michiaki Ito; hereinafter referred to as “ChillStack”).

Background of the Business Alliance and Value Provision

Since its foundation in 2000, JTB-CWT has accumulated proven achievements and experience as apioneer in the business travel management business in Japan and has supported the development of morethan 3,000 contracted companies in total based on them. Developed and sold by JTB-CWT based on its
knowledge and expertise, the J'sNAVI series of expense settlement and business travel management
solutions has been introduced by about 600 companies in total and is used by more than 850,000 users.
J’sNAVI NEO has been providing effective functions to prevent fake business travel and applications that
violate the rules, including a ticket data transfer function that can import actual usage data for bullet trains,
airplanes, hotels, and other venues, and a compliance checking function that displays alerts for applications
that do not comply with company rules. However, the digitization of vouchers and the complexity ofaccounting operations are expected to be accelerated by the revised Electronic Book Preservation Act andthe invoicing system, which has made us believe that additional fraud prevention functions are necessary.
With this background, JTB-CWT concluded a commission sales agreement to strengthen the risk
management functions by using both J’sNAVI NEO, which realizes greater efficiency in expense settlement
operations, and Stena Expense, which checks the validity and authenticity of the request for expense
settlement using AI’s abnormality detection. Together with ChillStack, JTB-CWT will help improve thehealth and governance of client companies by increasing the efficiency in the expense settlement processof each individual employee and preventing fraud and errors.
Notice of Free Online Seminars

Seminar title: Fraud Detection Professional Explains: Countermeasures against Common Fraud inExpense Settlement
Date and time:(1) Tuesday, April 18, 14:00–15:00
Click here to apply.
https://www.jsnavineo.com/webinar_list/230418webinar/?utm_source=prtimes&utm_medium=referral&ut
m_campaign=230418(2) Thursday, April 20, 11:00–12:00
Click here to apply.
https://www.jsnavineo.com/webinar_list/230420webinar/?utm_source=prtimes&utm_medium=referral&ut
m_campaign=230420*Note that the contents of (1) and (2) are the same.
About J’sNAVI NEO

J’sNAVI NEO is an expense settlement and business travel management solution that integrates an online
business travel arrangement system and an expense settlement system. It can be used not only for thesettlement of travel and entertainment expenses but also for the application, arrangement, settlement, andpayment for domestic and international business travel. By consolidating expense settlement and businesstravel-related operations, which have been separately handled, client companies will be able to make theiroperations more efficient and labor saving.
Features of J’sNAVI NEO
Supports the invoicing system.

(Planning to implement functions, such as checking the business registration numbers, registering the businesscategories, and displaying the amount of consumption tax for each applicable tax rate)
Compliant with the requirements of the revised Electronic Book Preservation Act (JIIMA certified).

Implemented a smartphone application that can link to corporate cards and fare search software,
import transportation IC card data and enable mobile approvals.

Journal data can be transferred to various accounting systems using CSV or via API.



Implemented JTB’s online ticket reservation system, which allows client companies to be billed
in one lump sum for travel arrangements.

Official J’sNAVI NEO website
https://www.jsnavineo.com/
About Stena Expense

This is a system in which AI’s fraud detection function detects fraudulent or abnormal (inappropriate) expense
usage based on the application and approval data from the personal expense reimbursement process in a clientcompany. While continuing to use the existing expense settlement system, Stena Expense not only detects
fraud, such as double charging or overcharging for transportation expenses, from expense settlement data, butalso detects the usage that is considered to be inappropriate or abnormal, such as frequent use of expenses
with a specific individual or frequent use of a specific restaurant/store, by grasping each individual employee’s
application history. As a result of digital transformation using AI technology, big data of expense applications
can be analyzed in a chronological and comprehensive way, which is impossible with the human eye, and theproductivity and governance of indirect departments can be strengthened.
Features of Stena ExpenseAble to examine all data in a comprehensive and chronological way without increasing the burden
on expense approvers and checkers.

Able to examine appropriateness of expense usage based on application history and trends.

The basis of the analysis of fraud, inappropriateness and abnormalities is displayed so that thecause and reason will be clear.

An easy-to-understand Web user interface makes it easy for the staff in both accounting andoperations departments to use it.

Official Stena Expense website
https://expense.stena.chillstack.com/
About JTB Business Travel Solutions, Inc.
Company name: JTB Business Travel Solutions, Inc.

Representative: Masamitsu Shibuya, President & CEO
Location: NBF Toyosu Canal Front, 5-6-52, Toyosu, Koto-ku, Tokyo
Established in: August 2000
Corporate website: https://www.jtb-cwt.com/
About ChillStack, Inc.
Company name: ChillStack, Inc.
Representative: Michiaki Ito, President and CEO
Location: YS2 Building 3F, 1-54-4, Yoyogi, Shibuya-ku Tokyo
Established in: November 2018
Corporate website: https://chillstack.com<Contact for press inquiries>
Corporate Planning Department, JTB Business Travel Solutions, Inc.
Phone: +81-(0)3-5548-8284<Contact for inquiries from customers and companies>
T&E Solutions Department, JTB Business Travel Solutions, Inc.
Phone: +81-(0)3-5548-8447
In charge: Nakamura