JP7402143B2 - Business support devices, business support methods, and business support programs - Google Patents

Description

The present invention relates to a business support device, a business support method, and a business support program.

Some products (for example, household fuel cells, safe driving support vehicles, etc.) receive financial subsidies from the national or local governments when purchased. When a company that sells such products in installments manages a customer's payment schedule, it may be necessary to add the subsidy payment amount to the payment schedule.

In the field of managing scheduled payment amounts, Patent Document 1 describes a method for calculating scheduled payment amounts for each payment method and debt item.

JP 2019-212179 Publication

However, although it has traditionally been possible to manage payment schedules using repayment methods where the scheduled payment amount is fixed every month or with increased bonuses, it is not possible to manage payment schedules by adding any amount to the payment schedule at any time. There wasn't. Therefore, it was necessary to manage the addition timing and amount separately outside the system.

The present invention has been made in view of the above, and it is possible to develop a payment schedule by adding an arbitrary amount to the monthly payment amount at a preset timing when making installment payments at the time of product purchase. The purpose is to provide a business support device, a business support method, and a business support program.

In order to solve the above-mentioned problems and achieve the purpose, a business support device according to the present invention is a business support device including a control unit, and the product is eligible for payment of money provided by the national or local government. Check whether the product purchased by the customer is eligible for the payment by referring to the product master that manages the payment target category for each product and the timing for adding the payment amount of the payment money to the payment schedule for each product. , If the purchased product is eligible for payment, the payment amount for each predetermined period is determined by referring to the product master based on the advance balance linked to the customer, the repayment method of the advance balance, and the payment amount. The present invention is characterized by comprising a creation means for creating payment schedule data with addition, which is payment schedule data according to the repayment method that manages the payment amount, and in which the payment amount is added at the addition timing.

Further, in the business support device according to the present invention, when the purchased product is not eligible for payment, the repayment method manages the payment amount for each predetermined period based on the advance balance and the repayment method. A feature of the present invention is that payment schedule data is created according to the following.

Further, in the business support device according to the present invention, the creation means creates the payment schedule data when information input on an input screen for inputting information necessary for creating the payment schedule data satisfies a predetermined condition. The feature is that an error screen is displayed without any error.

Further, in the business support device according to the present invention, the creation means does not create the payment schedule data with addition when the payment amount input on the input screen is equal to or greater than the advance balance input on the input screen. It is characterized by displaying an error screen.

Further, in the business support device according to the present invention, the creation means is configured to determine that the repayment method input on the input screen is a repayment method in which the payment amount is increased in the bonus month, and that the payment amount input on the input screen is a repayment method that increases the payment amount in the bonus month. and when the sum of the bonus amounts input on the input screen is greater than or equal to the advance balance input on the input screen, an error screen is displayed without creating the payment schedule data with addition. .

Further, in the business support device according to the present invention, the creation means is configured to perform an addition timing at which the scheduled number of payments inputted on the input screen is linked to the product input on the input screen stored in the product master. If the amount is less than , an error screen is displayed without creating the payment schedule data with addition.

Further, the business support method according to the present invention is a business support method executed by an information processing device including a control unit, the business support method being executed by the control unit, in which a product receives payment money paid by the national or local government. The customer determines whether the product purchased by the customer is eligible for the payment by referring to the product master that manages the payment classification for each product and the timing for adding the payment amount of the payment amount to the payment schedule for each product. and if the purchased product is eligible for the payment, the product master is referred to and the payment is made every predetermined period based on the advance balance linked to the customer, the repayment method of the advance balance, and the payment amount. The present invention is characterized in that it includes a step of creating payment schedule data with addition, which is payment schedule data according to the repayment method for managing the payment amount, and in which the payment amount is added at the addition timing.

Further, the business support program according to the present invention is a business support program to be executed by an information processing device including a control unit, and the product to be executed by the control unit is provided by the national or local government. By referring to the product master that manages each product, the payment target classification that determines whether the payment amount is eligible for payment and the addition timing at which the payment amount of the payment amount is added to the payment schedule for each product. If the purchased product is eligible for the payment, refer to the product master and receive the specified amount based on the advance balance linked to the customer, the repayment method of the advance balance, and the payment amount. The present invention is characterized in that it includes a creation step of creating payment schedule data with addition, which is payment schedule data according to the repayment method that manages the payment amount for each period, and in which the payment amount is added at the addition timing.

According to the present invention, it is possible to develop a payment schedule in which an arbitrary amount is added to the monthly payment amount at a preset timing when paying in installments at the time of product purchase.

FIG. 1 is a block diagram showing an example of the configuration of a business support device 100. FIG. 2 is a diagram showing an example of the product master 106a. FIG. 3 is a diagram showing an example of the contract information master 106b. FIG. 4 is a diagram showing an example of the payment schedule data 106c. FIG. 5 is a diagram illustrating an example of a flowchart regarding processing executed by the business support device 100. FIG. 6 is a diagram showing an example of the advance payment information screen MA. FIG. 7 is a diagram showing an example of payment schedule data 106c. FIG. 8 is a diagram showing an example of the error screen MB.

Embodiments of a business support device, a business support method, and a business support program according to the present invention will be described in detail below based on the drawings. Note that the present invention is not limited to this embodiment. In particular, in this embodiment, money provided by the national or local government will be described as a subsidy, but the present invention is not limited to this.

[1. composition]
Here, an example of the configuration of the business support device 100 according to the present embodiment will be described with reference to FIG. 1 and the like. FIG. 1 is a block diagram showing an example of the configuration of a business support device 100.

The business support device 100 is constructed based on a commercially available desktop personal computer. Note that the business support device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may also be a portable type such as a commercially available notebook personal computer, a PDA (Personal Digital Assistant), a smartphone, or a tablet personal computer. It may also be an information processing device.

The business support device 100 includes a control section 102, a communication interface section 104, a storage section 106, and an input/output interface section 108. Each part included in the business support device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicatively connects the business support device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of connecting the business support device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). Note that the data stored in the storage unit 106 may be stored in the server 200, for example.

An input device 112 and an output device 114 are connected to the input/output interface unit 108 . As the output device 114, in addition to a monitor (including a home television), a speaker or a printer can be used. As the input device 112, in addition to a keyboard, a mouse, and a microphone, a monitor that cooperates with the mouse to realize a pointing device function can be used. Note that in the following description, the output device 114 may be referred to as a monitor 114, and the input device 112 may be referred to as a keyboard 112 or a mouse 112.

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for giving instructions to a CPU (Central Processing Unit) to perform various processes in cooperation with an OS (Operating System). As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, etc. can be used.

The storage unit 106 stores, for example, a product master 106a, a contract information master 106b, and payment schedule data 106c.

FIG. 2 is a diagram showing an example of the product master 106a. The product master 106a includes product identification information (for example, product name) of the product to be sold, the contract date, and a subsidy target flag that indicates whether the product is eligible for subsidy payment (corresponding to the payment target classification of the present invention). and a subsidy addition timing (corresponding to the addition timing of the present invention) for adding the subsidy payment amount to the payment schedule.

FIG. 3 is a diagram showing an example of the contract information master 106b. The contract information master 106b is a master that manages contract information with customers, and includes customer identification information (for example, customer number, etc.), contract identification information (for example, contract number, etc.), advance balance linked to the customer, including.

FIG. 4 is a diagram showing an example of the payment schedule data 106c. The payment schedule data 106c is a data table according to the repayment method that manages the payment amount for each predetermined period, and includes the repayment date, the repayment amount, the principal amount, the fee, and the bonus amount.

Returning to FIG. 2, the control unit 102 is a CPU or the like that centrally controls the business support device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs specifying various processing procedures, required data, etc., and performs various information processing based on these stored programs. Execute.

The control unit 102 includes a creation unit 102a, which functionally and conceptually corresponds to the creation means of the present invention.

The creation unit 102a refers to the product master 106a to check whether the product purchased by the customer is eligible for subsidy payment, and if the purchased product is eligible for subsidy payment, the preparation unit 102a checks the advance balance linked to the customer (for example, The subsidy payment amount is added at the addition timing by referring to the product master 106a, based on the payment amount (such as those managed in the contract information master 106b), the repayment method of the advance balance, and the subsidy payment amount. The payment schedule data 106c (corresponding to the payment schedule data with addition of the present invention) is created.

Note that if the purchased product is not eligible for subsidy payment, the creation unit 102a creates normal payment schedule data 106c to which no subsidy payment amount has been added, based on the advance balance and the repayment method of the advance balance. You may create one.

Further, if the information input on the input screen for inputting information necessary for creating the payment schedule data 106c satisfies predetermined conditions, the creation unit 102a displays an error screen without creating the payment schedule data 106c. Good too. For example, if the payment amount input on the input screen is greater than or equal to the advance balance input on the input screen, the creation unit 102a does not create the payment schedule data 106c in which the subsidy payment amount is added at the addition timing. An error screen may be displayed. Further, for example, the creation unit 102a may determine that the repayment method input on the input screen is a repayment method in which the payment amount is increased in the bonus month, and that the payment amount input on the input screen and the bonus input on the input screen are If the sum of the amounts is greater than or equal to the advance balance entered on the input screen, an error screen may be displayed without creating the payment schedule data 106c in which the subsidy payment amount is added at the addition timing. Further, for example, if the scheduled number of payments input on the input screen is less than the addition timing associated with the product input on the input screen, which is stored in the product master 106a, the creation unit 102a may issue a subsidy. An error screen may be displayed without creating the payment schedule data 106c in which the amount is added at the addition timing.

A specific example of the processing executed by each processing unit constituting the control unit 102 will be described in detail below.

[2. Specific example of processing]
Here, a specific example of processing executed by the business support device 100 will be described with reference to FIG. 5 and the like. In this explanation, it is assumed that the product master 106a shown in FIG. 2 and the contract information master 106b shown in FIG. The case of creating payment schedule data for "fuel cells for fuel cells" will be explained.

FIG. 6 is a diagram showing an example of the advance payment information screen MA. When creating payment schedule data, the operator inputs information such as the product, advance balance, repayment method, and subsidy amount to be added to the payment schedule into the advance information screen MA (step S1). In this explanation, it is assumed that the operator inputs information as shown in FIG. 6, such as the advance information screen MA (when the payment method is fixed every month) or the advance information screen MB (when the payment method is fixed every month). Although the input field for the product is not shown in Figure 6, the advance information screen MA1 and the advance information screen MA2 only show a part of the advance information screen, and the actual advance information screen does not include the input field for the product. It is assumed that a field is also included, and the product "household fuel cell" is entered.

When the input to the advance payment information screen MA is completed, the creation unit 102a refers to the product master 106a to confirm whether the input product is eligible for subsidy payment (step S2). In this explanation, referring to the product master 106a shown in FIG. 2, the subsidy target flag for the product "household fuel cell" is "1: target", so it is confirmed that the product is eligible for subsidy payment.

As a result of the confirmation, if the input product is eligible for subsidy payment (step S2, Yes), the creation unit 102a generates the payment schedule data 106c based on the information input on the advance information screen MA. A sum is created by adding money at the addition timing (step S3). More specifically, since the subsidy addition timing for the product "household fuel cell" in the product master 106a shown in FIG. 2 is "4th month", the advance information screen MA1 (advance information screen MA2) shown in FIG. Based on the information inputted in , payment schedule data 106c is created in which a subsidy of "200,000" is added at the fourth scheduled payment.

FIG. 7 is a diagram showing an example of payment schedule data 106c. Payment schedule data created by the creation unit 102a based on the information input to the advance information screen MA1 shown in FIG. 6 is payment schedule data 106c1 shown on the left side of FIG. The payment schedule data created by the creation unit 102a based on the information input to the advance information screen MA2 shown in FIG. 6 is the payment schedule data 106c2 shown on the right side of FIG.

Further, as a result of checking whether the input product is eligible for subsidy payment, if the input product is not eligible for subsidy payment (step S2, No), the creation unit 102a determines whether the input product is eligible for subsidy payment or not (step S2, No). Based on the information obtained, payment schedule data 106c is created without adding the subsidy (step S4).

Through the above process, the timing and amount arbitrarily set by the operator can be reflected in the payment schedule for products for which subsidies are provided. If the timing and amount of addition can be incorporated into the payment schedule, omissions in billing and mistakes in amounts can be prevented. In addition, the cash-in schedule has been refined and is expected to have an effect on cash flow.

Note that the creation unit 102a may display an error screen without creating the payment schedule data 106c if the information input to the advance payment information screen MA satisfies a predetermined condition. A specific example of displaying an error screen will be described below.

FIG. 8 is a diagram showing an example of the error screen MB. For example, if the payment method is fixed every month, and the payment information screen MA3 shown in Example 1 of Figure 8 is entered, the subsidy "1,000,000" will be changed to the advance principal "1,000,000." Since the amount is the same, an error screen MB1 may be displayed indicating that the subsidy amount is greater than the advance principal amount. In addition, if the payment method is bonus increase, and the advance information screen MA4 shown in Example 2 of Figure 8 is entered, the sum of the subsidy "800,000" and the bonus increase "200,000" will be the advance source. Since the amount is the same as the money "1,000,000," an error screen MB2 may be displayed indicating that the sum of the subsidy and bonus increase is greater than the advance principal. In addition, in the case of a product for which the subsidy target flag "1: Target" and the subsidy addition timing "4 (month)" are set in the product master 106a, the advance information screen MA5 shown in Example 3 of FIG. , the scheduled number of payments "3" is less than the subsidy addition timing "4 (month)", so an error screen MB3 is displayed indicating that there is a discrepancy between the scheduled number of payments and the subsidy addition timing. May be displayed.

[3. Other embodiments]
In addition to the embodiments described above, the present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all of the processes described as being performed manually can be performed manually. Alternatively, some of the steps can be performed automatically using known methods.

In addition, unless otherwise specified, information including processing procedures, control procedures, specific names, parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings are included. It can be changed arbitrarily.

Further, regarding the business support device 100, each illustrated component is functionally conceptual, and does not necessarily need to be physically configured as illustrated.

For example, the processing functions provided in the business support device 100, especially each processing function performed by the control unit, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU. Alternatively, it may be implemented as hardware using wired logic. Note that the program is recorded on a non-temporary computer-readable recording medium that includes programmed instructions for causing the information processing device to execute the processing described in this embodiment. Machine read to 100. That is, a storage unit such as a ROM or an HDD (Hard Disk Drive) stores a computer program that cooperates with an OS to give instructions to a CPU and perform various processes. This computer program is executed by being loaded into the RAM, and constitutes a control unit in cooperation with the CPU.

Further, this computer program may be stored in an application program server connected to the business support device 100 via an arbitrary network, and it is also possible to download all or part of it as necessary. be.

Further, a program for executing the processing described in this embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, this "recording medium" includes a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), and an EEPR. OM (registration) Trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), DVDs (Digital Versatile Discs), Blu-ray (registered trademark) Discs, etc. shall include any “portable physical medium”.

Further, a "program" is a data processing method written in any language or writing method, and does not matter in the form of source code or binary code. Note that a "program" is not necessarily limited to a unitary structure, but may be distributed as multiple modules or libraries, or may work together with separate programs such as an OS to achieve its functions. Including things. Note that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium in each device shown in the embodiments, and the installation procedure after reading.

The various databases stored in the storage unit are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and are used for various processing and website provision. Stores programs, tables, databases, web page files, etc.

Further, the business support device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. Further, the business support device 100 may be implemented by installing software (including programs, data, etc.) that causes the device to implement the processing described in this embodiment.

Furthermore, the specific form of dispersion and integration of devices is not limited to what is shown in the diagram, and all or part of them can be functionally or physically divided into arbitrary units according to various additions or functional loads. It can be configured in a distributed/integrated manner. That is, the embodiments described above may be implemented in any combination, or the embodiments may be implemented selectively.

The present invention is particularly useful for companies that handle installment sales of products targeted for subsidies by the national or local governments.

100 Business support device 102 Control unit
102a Creation unit 104 Communication interface unit 106 Storage unit
106a Product master
106b Contract information master
106c Payment schedule data 108 Input/output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims (8)

A business support device comprising a control unit,
The control unit includes:
Refer to the product master, which manages each product for each product, the payment target category that determines whether the product is eligible for payment from the national or local government, and the timing at which the payment amount of the payment is added to the payment schedule. to confirm whether the product purchased by the customer is eligible for the payment, and if the product purchased is eligible for the payment, the advance balance linked to the customer, the repayment method of the advance balance, and the payment amount based on the Then, by referring to the product master, create payment schedule data with addition, which is payment schedule data according to the repayment method that manages the payment amount for each predetermined period, and in which the payment amount is added at the addition timing. to have a means of creation;
A business support device featuring: The creation means creates payment schedule data according to the repayment method that manages the payment amount for each predetermined period based on the advance balance and the repayment method when the purchased product is not eligible for the payment;
The business support device according to claim 1, characterized in that: The creation means displays an error screen without creating the payment schedule data if information input on an input screen for inputting information necessary for creating the payment schedule data satisfies a predetermined condition;
The business support device according to claim 1 or 2, characterized in that: The creation means displays an error screen without creating the payment schedule data with addition if the payment amount input on the input screen is equal to or greater than the advance balance input on the input screen;
The business support device according to claim 3, characterized in that: The creation means is configured such that the repayment method input on the input screen is a repayment method in which the payment amount is increased in the bonus month, and the payment amount input on the input screen and the bonus amount input on the input screen. displaying an error screen without creating the payment schedule data with addition if the sum is greater than or equal to the advance balance entered on the input screen;
The business support device according to claim 3 or 4, characterized in that: When the number of planned payments inputted in the input screen is less than the addition timing associated with the product inputted in the input screen, which is stored in the product master, the creation means generates the payment plan data with addition. Displaying an error screen without creating a
The business support device according to any one of claims 3 to 5, characterized in that: A business support method executed by an information processing device including a control unit, the method comprising:
executed by the control unit,
Refer to the product master, which manages each product for each product, the payment target category that determines whether the product is eligible for payment from the national or local government, and the timing at which the payment amount of the payment is added to the payment schedule. to confirm whether the product purchased by the customer is eligible for the payment, and if the product purchased is eligible for the payment, the advance balance linked to the customer, the repayment method of the advance balance, and the payment amount based on the Then, by referring to the product master, create payment schedule data with addition, which is payment schedule data according to the repayment method that manages the payment amount for each predetermined period, and in which the payment amount is added at the addition timing. including a creation step;
A business support method characterized by: A business support program to be executed by an information processing device including a control unit,
for the control unit to execute,
Refer to the product master, which manages each product for each product, the payment target category that determines whether the product is eligible for payment from the national or local government, and the timing at which the payment amount of the payment is added to the payment schedule. to confirm whether the product purchased by the customer is eligible for the payment, and if the product purchased is eligible for the payment, the advance balance linked to the customer, the repayment method of the advance balance, and the payment amount based on the Then, by referring to the product master, create payment schedule data with addition, which is payment schedule data according to the repayment method that manages the payment amount for each predetermined period, and in which the payment amount is added at the addition timing. including a creation step;
A business support program featuring: