JP2019125263A - Loan condition information providing device, loan condition information providing method and program therefor - Google Patents

Abstract

To provide a loan condition information providing device, a loan condition information providing method and a program therefor easily enabling information of a plurality of loan customers to be compared with one another.SOLUTION: A loan condition information providing device 100 comprises a storage unit 130 for storing account information of a business operator, a provision unit 122 for providing the account information to respective financial institution servers of a plurality of financial institutions, an acquisition unit 121 for acquiring loan condition information on loan conditions to a business operator, which is evaluated based on the account information, from the respective financial institution servers of the plurality of financial institutions, and an output unit 123 for providing a screen which displays the loan condition information acquired from the respective financial institution servers of the plurality of financial institutions, to an operator terminal used by a business operator.SELECTED DRAWING: Figure 2B

Description

  The present invention relates to a loan condition information provision device, a loan condition information provision method, and a program therefor.

  In recent years, in the financial industry, a movement called FinTech, which provides new financial services and strengthens existing services by using ICT, has become active. For example, as an example of FinTech related technology, there is known a system for accepting an application for a loan transaction via the Internet and performing a loan based on the examination result (for example, Patent Document 1).

JP 2014-35583 A

  The conventional system described in Patent Document 1 is provided by a lender. Therefore, the user of the conventional system can only confirm the result of the examination at the lender that he / she operates. As a result, when trying to compare the loan conditions of a plurality of lenders, the user of such a system had to undergo examination in each lender's system, which took time and effort.

  Therefore, in view of the above circumstances, the present invention has an object to easily compare information of a plurality of lenders.

  A loan condition information providing apparatus according to an embodiment of the present invention includes: a storage unit storing accounting information of a business; a providing unit providing accounting information to a financial institution server of each of a plurality of financial institutions; and a plurality of financial institutions An acquisition unit for acquiring, from each financial institution server, financing condition information on lending conditions to a business, which is evaluated based on accounting information, and the financing condition information acquired from the financial institution server of each of a plurality of financial institutions And an output unit for providing a screen to be displayed to a business operator terminal used by the business operator.

  In the present specification and the like, "part" does not simply mean a physical configuration, but includes the case where the function of the configuration is realized by software. Further, even if the function of one configuration is realized by two or more physical configurations, the function of two or more configurations may be realized by one physical configuration.

  According to the present invention, information on a plurality of lenders can be easily compared.

It is a block diagram which shows an example of a structure of the system in one Embodiment of this invention. It is a figure which shows an example of the functional block of the determination apparatus in one Embodiment of this invention. It is a figure which shows an example of the functional block of the loan conditions information provision apparatus in one Embodiment of this invention. It is a figure which shows an example of establishment information DB in one Embodiment of this invention. It is a figure which shows an example of the screen which the output part in one Embodiment of this invention outputs. It is a figure which shows an example of the screen which the output part in one Embodiment of this invention outputs. It is a figure which shows an example of the screen which the output part in one Embodiment of this invention outputs. It is a figure which shows an example of the screen which the output part in one Embodiment of this invention outputs. It is a figure which shows an example of the screen which the output part in one Embodiment of this invention outputs. It is a figure which shows an example of the screen which the output part in one Embodiment of this invention outputs. It is a sequence diagram which shows the processing flow of the system in one Embodiment of this invention. It is a figure which shows an example of the hardware constitutions of the terminal device in one Embodiment of this invention, a management terminal, and a server apparatus.

[Embodiment]
Hereinafter, one of the embodiments of the present invention will be described in detail. The following embodiments are exemplifications for describing the present invention, and the present invention is not limited to the embodiments. Moreover, the present invention can be variously modified without departing from the scope of the invention. Further, those skilled in the art can adopt an embodiment in which each of the elements described below is replaced with an equivalent one, and such an embodiment is also included in the scope of the present invention. In the following, to facilitate understanding, an embodiment in which the present invention is realized using an information processing apparatus will be described as an example, but as described above, the present invention is not limited thereto.

<1. System Overview>
FIG. 1 shows an example of the configuration of a system 10 including a loan condition information providing apparatus 100 according to the present embodiment. As shown in FIG. 1, in the system 10, a loan condition information providing device 100, a terminal device 200, and a plurality of determination devices (which is an example of a financial institution server) 300 are mutually connected via a network N. It is configured.

  In the system 10 according to the present embodiment, the financing condition information providing device 100 provides a service for managing information related to accounting to a user (hereinafter, also referred to as a “business operator”). A business operator who wants to receive a service provided in the system 10 operates the terminal device 200 to access the loan condition information providing device 100 and register for the service. When the information of the enterprise is registered in the lending condition information providing device 100, the lending condition information providing device 100 presents to the enterprise the amount of funds (loan amount, credit limit) that the enterprise can procure. In addition to the loan amount, the loan condition information provision device 100 may present, for example, an interest rate, credit rating, repayment deadline, and the like.

  The network N is configured by a wireless network or a wired network. Examples of communication networks include cellular phone networks, personal handy-phone system (PHS) networks, wireless local area networks (LANs), 3G (3rd generation), LTE (long term evolution), 4G (4th generation), WiMax There are networks conforming to (registered trademark), infrared communication, Bluetooth (registered trademark), wired LAN, telephone line, light line network, IEEE 1394, and the like.

  The terminal device 200 may be any information processing device that can be connected to the loan condition information providing device 100 via the network N, such as a personal computer (PC), a notebook PC, a tablet terminal, a smartphone, a mobile phone, and a personal digital assistant (PDA). It can be used. The terminal device 200 includes a processor, a keyboard, a mouse, an input device such as various operation buttons and a touch panel, a display device such as a liquid crystal display, a communication interface for connecting to the communication network N, a disk drive or a semiconductor memory (ROM, RAM, etc.) Storage resources.

  The loan condition information provision device 100 is a general purpose computer. The loan condition information providing device 100 does not have to be a single computer, and may be composed of a plurality of computers distributed in the network N. In addition, the plurality of determination devices 300 are servers associated with a funding source (for example, a financial institution or the like) that provides a loan to the business.

<2. Functional configuration>
<2-1. Determination device 300>
The functional configuration of the determination apparatus 300 will be described with reference to FIG. 2A. FIG. 2A is a functional block diagram of the determination apparatus 300. As shown in FIG. As shown in FIG. 2A, the determination apparatus 300 includes an acquisition unit 301, a calculation unit 302, and a provision unit 303.

  The acquiring unit 301 acquires business establishment information (details will be described later, but the information on the business is, for example, basic information and detailed data) from the financing condition information providing device 100. For example, the acquiring unit 301 may be configured to receive the business entity information transmitted from the financing condition information providing apparatus 100, in addition to sucking up the business entity information from the storage unit of the financing condition information providing apparatus 100. In addition, the acquisition unit 301 may acquire business establishment information at a predetermined interval (for example, one month), or acquires business establishment information every time the business establishment information is updated in the financing condition information provision device 100. May be

  The calculation unit 302 calculates the financing condition information based on the business establishment information acquired by the acquisition unit 301 (details will be described later, but the information of the business operator is, for example, basic information and detailed data). The loan condition information is information including at least a loan condition such as a loanable amount, an annual interest rate, and a loanable period. Note that the calculation unit 302 may also calculate loan condition information based on information representing the creditworthiness of a business operator, which is acquired from a designated credit information institution such as JICC (Japan Credit Information Agency) or CIC (CREDIT INFORMATION CENTER), for example. Good. The calculation unit 302 may calculate the financing condition information in accordance with the timing when the acquiring unit 301 acquires the business establishment information, or may calculate the financing condition information at an arbitrary interval.

  The providing unit 303 provides the financing condition information providing device 100 with the financing condition information calculated by the calculating unit 302. As a method of providing loan condition information, various methods such as a method of writing the loan condition information in a database accessible from the loan condition information providing device 100 other than the method of the providing unit 303 transmitting the loan condition information to the loan condition information providing device 100 Methods can be used.

  The determination apparatus 300 can also provide accounting software, POS cash register function, credit card payment service, EC service, bank account, bill creation service, and the like by ASP service and cloud service.

2-2. Functional Configuration of Financing Condition Information Providing Device 100>
The function of the loan condition information provision device 100 will be described using FIG. 2B. FIG. 2B is a block diagram showing the function of the loan condition information provision device 100. As shown in FIG. As shown in FIG. 2B, the lending condition information providing device 100 includes, as functional units, a storage unit 130, a registration receiving unit 120, an acquiring unit 121, a providing unit 122, and an output unit 123.

  In the storage unit 130, a business establishment information DB 131 and a loan condition information DB 132 are stored. FIG. 3 is a diagram showing an example of the establishment information DB 131. As shown in FIG. In the establishment information DB 131, establishment ID, basic information, cooperation destination information, and detailed data are registered in association with each other. In the following description, basic information, collaboration destination information, and detailed data are collectively referred to as business office information.

  Basic information is basic information on a business. Examples of basic information include corporate information (corporate name, corporate phone number, corporate address, etc.), representative information (representative name, representative contact information, and representative's date of birth), and business information (owned) Account information, classification of business documents, nearest station, address etc.). The information included in the basic information is not limited to corporate information, but may be information on an individual business owner. Also, although the details will be described later, the basic information may include information (declaration category etc.) necessary for final declaration.

  The cooperation destination information is information on the cooperation destination for automatically acquiring the detail data of the business. The cooperation destination is, for example, a POS, a mail order site, etc. in addition to a bank, a net bank, a financial institution such as a credit card company. As linkage destination information, for example, POS cash register, bank account, identifier of accounting software, etc., information of account opened at linkage destination, login information (user ID and password) for logging in to homepage of linkage destination, The contract number etc. is registered.

  Detail data (an example of accounting information) is a record of a transaction made by the business. For example, the specification data includes a transaction date, a transaction amount, a counterparty, details of the transaction, an account item, and the like.

  The establishment information DB 131 may be configured to further register application information. The application information is information necessary for the company to apply for a loan. As an example of the application information, the application date and time, the desired amount of borrowing, the loan period, the number of repayments, and the use of funds, etc. may be mentioned.

  In the loan condition information DB 132, the loan condition information acquired from the determination device 300 is registered. As described above, the loan condition information is information including at least a loanable amount, an annual interest rate, a loanable period, and the like.

  The registration accepting unit 120 accepts registration of services from a business entity. Specifically, the registration receiving unit 120 causes the terminal device 200 to present a predetermined registration screen (see FIGS. 4 to 9), and receives an input of basic information, cooperation destination information, and the like from the business operator. The registration reception unit 120 registers the received basic information in the business establishment information DB 131.

  The registration accepting unit 120 may accept registration of an image such as an identity verification document, a financial statement, a final income statement, a certified copy, etc., captured by the terminal device 200. In addition, when acquiring transaction data from the cooperation destination, when the account information (ID and password) is required (for example, when the external service requires the account information), the registration accepting unit 120 When the specification is received, account information can also be received and stored in the business office information DB 131.

  The registration accepting unit 120 may be configured to accept an application for a loan to a funding source. In this case, the registration receiving unit 120 can receive information (application information) necessary for applying for a loan from the business entity, and can provide the received information to the determination apparatus 300.

  The acquisition unit 121 refers to the business office information DB 131 and acquires specification data from the collaboration destination. The acquiring unit 121 can acquire detailed data by crawling a plurality of collaboration destinations at predetermined intervals (for example, once a day), and can update corresponding records of the business establishment information DB 131. The acquiring unit 121 may acquire the specification data in accordance with an instruction from another device such as the terminal device 200.

  The providing unit 122 provides the determination apparatus 300 with the establishment information registered in the establishment information DB 131. For example, the providing unit 122 can transmit the establishment information to the determination apparatus 300 as a method of providing the establishment information. In addition, when the determination apparatus 300 can access establishment information DB131, the determination apparatus 300 may download establishment information.

  The output unit 123 acquires loan condition information from each of the plurality of determination devices 300, and presents the acquired information to the terminal device 200 of the user. The output unit 123 may obtain loan condition information by crawling the plurality of determination devices 300 at predetermined intervals (for example, once a month) (pull type), and the determination device 300 may obtain the loan condition information. In the case of the configuration for transmission, the transmitted financing condition information may be received and acquired (push type). The output unit 123 records the received loan condition information in the loan condition information DB 132. Note that the determination device 300 may write the loan condition information directly to the loan condition information DB 132.

  It is preferable that the output unit 123 presents, to the terminal device 200, a screen on which the loan condition information from a plurality of funding sources can be compared for the acquired loan condition information (see FIG. 6). As an example, the output unit 123 can display a list of loan condition information from a plurality of funding sources. At this time, the output unit 123 preferably displays the loan condition information based on the predetermined priority. For example, the output unit 123 may display the loan condition information in the order of good loan conditions (in order of high loanable amount, in order of low annual interest, in order of long loan available period, etc.). Further, for example, the output unit 123 may preferentially display the financing condition information from the funding source whose account is held by the business operator, with reference to the business establishment information DB 131.

  Furthermore, it is preferable that the output unit 123 highlight and display the financing condition information of the funding source where the financing condition information has changed. At this time, the output unit 123 may preferentially display the loan condition information in which the loan condition information has changed.

  The proposing unit 124 urges the business operator to register information for calculating the financing condition information, when there is a company that can not calculate the financing condition information among a plurality of funding sources. For example, in the case where there is a funding source for which the financing condition information could not be calculated because detailed data of a period (for example, two months or more) necessary for evaluation is not registered in the establishment information DB 131 The operator can be prompted to register detailed data.

<3. Screen example>
An example of a screen presented by the loan condition information providing apparatus 100 according to the present embodiment will be described with reference to FIGS. 4 to 9.

  FIG. 4 is an example of the home screen. The home screen has display areas A1 to A6. Display area A1 is an area where business office information is displayed. In the example of FIG. 4, since the business establishment information is not registered yet, a button for transitioning to an image prompting the input of the business establishment information and the basic information registration screen (FIG. 7) for registering basic information of the business establishment information B1 is displayed.

  The display area A2 is an area in which the progress of the setup, that is, the registration of the business office information necessary for providing the service is displayed. The display area A2 displays an icon I1 corresponding to account creation, an icon I2 corresponding to the input of business office information, an icon I3 corresponding to data linkage, and an icon I4 corresponding to journal entry. In the example of the home screen in FIG. 4, although the account has been created, since the input of the office information, the data linkage, and the input of the journal entry are not performed, the icons I2 to I4 are grayed out and displayed.

  When the icon I2 is pressed, the screen changes to a screen for registering basic information (FIG. 7), and when the icon I3 is pressed, the screen changes to a screen for registering data linkage destinations (FIG. 8). A transition is made to the screen for inputting (FIG. 9).

  The display area A3 is an area in which the total balance of one or more accounts linked with data is displayed. In the example of FIG. 4, since data cooperation is not implemented, 0 is displayed on the total amount. In the display area A3, a data cooperation button B2 for performing data cooperation is displayed. Data linkage is a function of receiving specification of, for example, a financial institution from a user, and automatically acquiring detailed data managed by the financial institution. When the data cooperation button B2 is pressed, the screen changes to a screen (FIG. 8) for registering data cooperation destinations.

  The display area A4 is an area for opening an online banking account and newly contracting a credit card. In the screen of FIG. 4, “AA bank” is displayed as a bank that newly opens an account, and “BB card” is displayed as a credit card that is newly contracted. Note that the bank or credit card company displayed in the display area A4 may be arbitrarily changeable by the user. When the registration button B4 is pressed, the screen changes to the HP of a bank or a credit card company, and procedures such as opening an account can be made.

  The display area A5 is an area for setting a linked funding source. In the example of FIG. 4, the funding source has not been set yet. When the cooperation button B6 displayed in the display area A5 is pressed, the screen changes to a funding source setting screen (FIG. 5).

  The display area A6 is an area for displaying a notification list. Note that the notification is not displayed in the example of FIG.

  FIG. 5 is an example of a funding source setting screen. The funding source setting screen has display areas A7 and A8.

  The display area A7 is an area for displaying a list of financial institutions that can be selected as a funding source. In addition, what can be selected as a funding source is not limited to a financial institution. In the display area A7, the name of a financial institution, a logo, and a selection button B7 are displayed for each financial institution. In the selection button B7, the financial institution whose "ON" is selected is displayed as a funding source in the display area A5 of the home screen.

  The display area A8 is an area for displaying, among the financial institutions (funding sources) displayed in the display area A7, a list of financial institutions determined to be able to provide a loan to the user. On the display rear A8, the name of the financial institution, the loan conditions, and the application button B9 are displayed. By pressing the application button B9, the user can apply for borrowing. Specifically, when the application button B9 is pressed, a screen for requesting the user to input application information is displayed. The input application information is transmitted to the determination device 300. In the determination device 300, the examination is performed again based on the application information, and a loan is actually executed for the user based on the result of the examination.

  FIG. 6 is an example of a home screen after selecting a financial institution to which a fund is to be procured. Although the display area A6 is not displayed in FIG. 6 because of the display area of the screen, it may be displayed.

  In the display area A5 of FIG. 6, on the funding source setting screen, the names of the financial institutions and the financing conditions are listed and displayed for the financial institutions that the user has selected as the funding source. Further, in the display area A5, an application button B9 (similar to the function in FIG. 5) for applying for a loan to the selected financial institution is displayed. In the example of FIG. 6, the funding sources are displayed in descending order of the loan amount. However, the present invention is not limited to this, and may be displayed in ascending order of the annual interest rate, or may be displayed with priority the funding sources in which the user has an account. Further, in the example of FIG. 6, all the funding sources for which "ON" is selected are displayed on the funding source setting screen, but the present invention is not limited to this. It may be displayed. Furthermore, when there is a change in the loan condition information, the changed loan condition information may be preferentially displayed or highlighted. The emphasis of the loan condition information may be the whole of the loan condition information, or may be only the item of the loan condition information that has changed (for example, the amount that can be loaned, the annual interest rate, etc.).

FIG. 7 is an example of the basic information registration screen. For example, the following information can be registered on the basic information registration screen.
·Office name. If there is no business name, you may enter a personal name.
-Name of representative-Division of business-Declaration of submitted documents. For example, "general" can be selected when reporting business income, "real estate" when reporting real estate income, and "general / real estate" when both are declared.
・ Declaration classification. Submit the blue tax return approval application to the tax office, and select "blue tax return" if the blue tax return has been notified, or "white tax return" otherwise.
· Industry classification · Prefecture (location of business)
・ The necessity of use of manufacturing cost item. Select the use when you want to use the manufacturing cost item in the manufacturing industry etc. If you choose to use, an account item dedicated to manufacturing costs will be created, and if you register using the corresponding items, the breakdown will be reflected in the "Calculation of manufacturing costs" section of the blue declaration statement.
In addition to the above, it is also possible to select whether or not the accounting period and the declaration of the consumption tax are required on the basic information registration screen.

  FIG. 8 is an example of the cooperation destination registration screen. In the cooperation destination registration screen, by specifying names such as bank account (for example, internet banking account), credit card, POS cash register, mail order site, prepaid card, transportation IC etc., cooperation destination such as financial institutions etc. Information can be registered. At this time, information (login information, contract number, password, etc.) necessary for automatically acquiring a specification from the cooperation destination can also be registered.

  FIG. 9 is an example of a journal entry screen. In the journal entry screen, item data is sorted by setting account items in the item data automatically acquired from the linkage destination. In the loan condition information providing apparatus 100 according to the present embodiment, when the specification data is acquired from the cooperation destination, the account item is automatically set based on the contents of the specification. The user can change from the journal entry screen to the correct account item if there is an error in the set account item.

<4. Processing flow>
An example of the processing flow of the lending condition information providing apparatus 100 according to the present embodiment will be described with reference to FIG. First, a business operator who desires to apply for a service according to the present embodiment operates the terminal device 200 to access the loan condition information providing device 100, and performs member registration (S11). At this time, the registration receiving unit 120 of the lending condition information providing device 100 receives the registration of the basic information and the cooperation destination information as the business establishment information. The registration reception unit 120 registers the received business establishment information in the business establishment information DB 131 (S12).

  The transmission unit 122 transmits the establishment information registered in the establishment information DB 131 to the determination apparatus 300 (S22). In the determination device 300, the calculation unit 302 acquires the transmitted office information, and calculates loan condition information (S31). Further, the providing unit 303 of the determination device 300 provides the calculated loan condition information to the loan condition information providing device 100 (S32).

  The output unit 123 acquires the provided loan condition information, and registers the acquired loan condition information in the loan condition information DB 132 (S23). The output unit 123 acquires loan condition information from the plurality of determination devices 300, and presents the terminal device 200 with the respective loan condition information so as to be comparable (S24).

  As described above, according to the loan condition information providing device 100 according to the present embodiment, loan condition information from a plurality of funding sources can be presented to the business operator so as to be comparable. This allows the business operator to easily select the funding source for the conditions that were available to him.

<Hardware configuration>
Hereinafter, with reference to FIG. 11, an example of a hardware configuration in the case of realizing the above-described loan condition information providing device 100, the determination device 300, and the terminal device 200 by the computer 800 will be described. The function of each device can also be realized by being divided into a plurality of devices.

  As shown in FIG. 11, the computer 800 includes a processor 801, a memory 803, a storage device 805, an input I / F unit 807, a data I / F unit 809, a communication I / F unit 811, and a display device 813.

  The processor 801 controls various processes in the computer 800 by executing programs stored in the memory 803. For example, the registration acceptance unit 120, the acquisition unit 121, the provision unit 122, the output unit 123 and the proposal unit 124 of the loan condition information providing device 100, and the acquisition unit 301, the calculation unit 302, the provision unit 303, etc. After being temporarily stored in the memory 803, the program can be realized mainly as a program operating on the processor 801.

  The memory 803 is, for example, a storage medium such as a random access memory (RAM). The memory 803 temporarily stores program code of a program to be executed by the processor 801 and data necessary for executing the program.

  The storage device 805 is a non-volatile storage medium such as a hard disk drive (HDD) or a flash memory, for example. The storage device 805 stores an operating system and various programs for realizing the above-described components. In addition to this, the storage device 805 can also store a business establishment information DB 131, a loan condition information DB 132, and the like. Such programs and data are referred to by the processor 801 by being loaded into the memory 803 as necessary.

  The input I / F unit 807 is a device for receiving an input from the administrator. Examples of the input I / F unit 807 include a keyboard, a mouse, a touch panel, various sensors, a wearable device, and the like. The input I / F unit 807 may be connected to the computer 800 via an interface such as USB (Universal Serial Bus).

  A data I / F unit 809 is a device for inputting data from the outside of the computer 800. A specific example of the data I / F unit 809 is a drive device for reading data stored in various storage media. It is also conceivable that the data I / F unit 809 is provided outside the computer 800. In that case, the data I / F unit 809 is connected to the computer 800 via an interface such as USB.

  The communication I / F unit 811 is a device for performing data communication with the external apparatus of the computer 800 via the Internet N in a wired or wireless manner. The communication I / F unit 811 may be provided outside the computer 800. In that case, the communication I / F unit 811 is connected to the computer 800 via an interface such as USB.

  The display device 813 is a device for displaying various information. Examples of the display device 813 include, for example, a liquid crystal display, an organic EL (Electro-Luminescence) display, a display of a wearable device, and the like. The display device 813 may be provided outside the computer 800. In that case, the display device 813 is connected to the computer 800 via, for example, a display cable or the like.

Other Embodiments
In the embodiment described above, the determination device 300 has been described as a device managed by a funding source such as a financial institution, but is not limited to this. For example, an apparatus (financial institution server) managed by a funding source such as a financial institution and the determination apparatus 300 may be separate apparatuses. In this case, the financing source acquires specification data from the loan condition information providing apparatus 100 using the financial institution server, and provides the acquired specification data to the determination apparatus 300 to calculate the loan condition information in the determination apparatus 300. May be In this case, the financial institution server acquires the loan condition information calculated by the determination device 300 and provides the same to the loan condition information provision device 100.

  Further, for example, in the funding source, after acquiring the specification data from the financing condition information providing apparatus 100 using the financial institution server, the specification data may not be provided to the determination apparatus 300. In this case, the staff etc. of the funding source manually set the loan condition information in the business based on the detailed data etc., and provide the set loan condition information to the loan condition information providing apparatus 100 using the financial institution server. It is also good.

  Also, for example, in the above-described embodiment, the funding source has described the example of calculating the financing condition information based on the specification data, but the present invention is not limited to this. For example, it may be calculated based on real estate, securities and the like. In this case, for example, the business entity may register the holding status of real estate, securities, etc. in the loan condition information providing apparatus 100, and the lending condition information providing apparatus 100 may provide the registered holding status to the financial institution server. .

  Each embodiment described above is for facilitating the understanding of the present invention, and is not for limiting and interpreting the present invention. The present invention can be modified / improved without departing from the gist thereof, and the present invention also includes the equivalents thereof. Furthermore, each embodiment is an example, and it goes without saying that partial substitution or combination of the configurations shown in different embodiments is possible, and these are also included in the scope of the present invention as long as they include the features of the present invention. .

DESCRIPTION OF SYMBOLS 10 System 100 Financing condition information provision apparatus 120 Registration reception part 121 Acquisition part 122 Provision part 123 Output part 130 Storage part 131 Office information DB
132 Financing condition information DB
200 terminal device 300 determination device

Claims (7)

A storage unit that stores accounting information of a business;
A providing unit for providing the accounting information to a financial institution server of each of a plurality of financial institutions;
An acquisition unit that acquires, from the financial institution server of each of the plurality of financial institutions, financing condition information related to the financing conditions for the business operator, which is evaluated based on the accounting information;
An output unit that provides a screen displaying the financing condition information acquired from the financial institution server of each of the plurality of financial institutions to a business operator terminal used by the business operator;
Financing condition information provision device provided with. The said loan condition information is
The apparatus according to claim 1, wherein the apparatus further comprises at least one of a loanable amount, a loanable period, and an interest rate. The output unit is
Rearranging the plurality of pieces of loan condition information based on a predetermined priority;
The loan condition information provision device according to claim 1 or 2. The output unit is
Rearranging the plurality of pieces of loan condition information in descending order of the loan conditions determined according to a predetermined rule;
The loan condition information provision device according to any one of claims 1 to 3. The output unit is
The loan condition information according to any one of claims 1 to 4, wherein the loan condition information acquired from the financial institution in which the business operator has opened an account is preferentially displayed among the plurality of the loan condition information. Provision device. The computer is
Storing the accounting information of the enterprise;
Providing the accounting information to a financial institution server of each of a plurality of financial institutions;
Acquiring, from a financial institution server of each of the plurality of financial institutions, financing condition information related to the financing conditions for the business operator, which is evaluated based on the accounting information;
Providing a screen displaying the financing condition information acquired from the financial institution server of each of the plurality of financial institutions to a business operator terminal used by the business operator;
How to provide financial condition information to carry out. Computer,
A means of storing accounting information of a business,
A means for providing the accounting information to a plurality of financial institution servers;
A means for acquiring, from the financial institution server of each of the plurality of financial institutions, the financing condition information on the financing conditions for the business operator, evaluated based on the accounting information; and the financial institution server of each of the plurality of financial institutions Means for providing a screen for displaying the financing condition information acquired from the business terminal used by the business operator,
A program to function as