JP2021047910A - Information providing device, information providing method, and information providing program - Google Patents

Abstract

To provide an information providing device, a method, and a program for performing examination in advance and determining purchase availability and presenting a purchase amount before applying for purchasing of sales credit.SOLUTION: An information providing device 100 of an information providing system 1 includes: a purchase availability determination unit 131 for determining whether or not purchase of sales credit is possible based on transaction information of a user, transaction information of a transaction partner, and financial information of a user as its function; a purchase amount evaluation unit 132 for evaluating a purchasable amount of sales credit from the transaction information of the user, the transaction information of the transaction partner, and the financial information of the user; a pre-examination acceptance unit 133 for accepting application of pre-examination related to purchase of sales credit; a pre-examination results presenting unit 134 for presenting purchase determination results of sales credit and a purchasable amount; a transmission unit 135 for receiving application information on purchasing sales credit; and a notification unit 136 for receiving notification information relative to application of a user.SELECTED DRAWING: Figure 1

Description

The present disclosure relates to an information providing device, an information providing method, and an information providing program that determines whether or not it is possible to purchase accounts receivable and presents the purchase amount.

For managers who run businesses such as small and medium-sized enterprises and sole proprietorships, procuring the necessary funds for the business is a very important matter for the stable continuation of the business. As one means for raising business funds, in recent years, a means called factoring has been used in which funds are raised by having a predetermined purchasing institution that purchases accounts receivable purchase the accounts receivable.

For example, Patent Document 1 discloses a system for performing batch factoring across a plurality of financial institutions. In this system, when performing batch factoring in transactions between companies and monetizing them, the account of the financial institution originally used by the supplier company (original creditor) is not required. It pays the funds and remits the funds related to the lump sum factoring.

Japanese Unexamined Patent Publication No. 2017-107367

By the way, even if there is a demand for funds to improve cash flow, it is a high psychological hurdle for the managers of small and medium-sized enterprises and individual businesses to apply for the purchase of accounts receivable from financial institutions. is there. In the first place, although there is a demand for funds, it is often the case that the owners of small and medium-sized enterprises and individual businesses do not assume that they can use the receivables purchase service, and the screening criteria are unclear. , It is considered that there are many cases where the application for purchase of accounts receivable is not considered.

Therefore, for example, the manager of a small or medium-sized enterprise or a sole proprietorship conducts a preliminary examination before applying to the purchasing institution for the purchase of accounts receivable, determines whether or not the purchase is possible, and presents the purchase price. Such a system was desired.

Therefore, in this disclosure, for example, a manager of a small or medium-sized enterprise or a sole proprietorship conducts a preliminary examination before applying to a purchasing institution for the purchase of accounts receivable, determines whether or not the purchase is possible, and presents the purchase price. The information providing device, the information providing method, and the information providing program are described.

The information providing device in one aspect of the present disclosure is an information providing device that determines whether or not it is possible to purchase the accounts receivable and presents the purchase price, and is the transaction information of the obligee of the accounts receivable and the transaction information. Preliminary examination is performed based on financial information and transaction information of the obligor of accounts receivable, and it is possible to purchase accounts receivable with a purchase availability judgment unit that determines whether or not the accounts receivable can be purchased. If it is determined to be, the purchase amount assessment department that assesses the purchaseable amount of the accounts receivable based on the transaction information and financial information of the obligee of the accounts receivable and the transaction information of the obligor of the accounts receivable. , Preliminary examination reception department that accepts applications for pre-examination related to purchase of accounts receivable from creditors, and presentation of pre-examination results that presents the judgment result of whether or not the accounts receivable can be purchased and the amount of accounts receivable that can be purchased to the creditor When there is an application for purchase of accounts receivable from the department and the creditor, the transmission department that sends the application information from the creditor to the purchasing institution that purchases the accounts receivable, and the purchase of the accounts receivable from the creditor It is provided with a notification unit that receives notification information from the purchasing institution and notifies the creditor of the application.

The information providing method in one aspect of the present disclosure is an information providing method in which it is determined whether or not it is possible to purchase the accounts receivable and the purchase amount is presented, and the accounts receivable are performed by the purchaseability determination unit. Preliminary examination based on the transaction information and financial information of the obligees of the receivables and the transaction information of the obligors of the accounts receivable, and the purchase availability determination step to determine whether or not the accounts receivable can be purchased. If it is determined that the purchase amount assessment department can purchase the accounts receivable, the sale will be based on the transaction information and financial information of the obligee of the accounts receivable and the transaction information of the obligor of the accounts receivable. The purchase amount assessment step for assessing the purchaseable amount of accounts receivable, the pre-examination reception step for accepting applications for pre-examination related to the purchase of accounts receivable from creditors, and the pre-examination result presentation department performed by the pre-examination reception department There was a pre-examination result presentation step that presents the judgment result of whether or not the accounts receivable can be purchased and the purchaseable amount of the accounts receivable to the creditor, and the transmission department applies for the purchase of the accounts receivable. In the case, the transmission step of sending the application information from the creditor to the purchasing institution that purchases the accounts receivable, and the notification information from the purchasing institution for the application for the purchase of the accounts receivable from the creditor performed by the notification department. It includes a notification step of accepting and notifying the creditor.

Further, the information providing program in one aspect of the present disclosure is an information providing program that determines whether or not it is possible to purchase the accounts receivable and presents the purchase amount, and is a transaction of the obligee of the accounts receivable. Preliminary examination based on information and financial information and transaction information of the obligor of the accounts receivable, a purchase availability judgment step to determine whether or not the accounts receivable can be purchased, and the purchase of the accounts receivable If it is determined that it is possible, the purchase amount is assessed based on the transaction information and financial information of the obligee of the accounts receivable and the transaction information of the obligor of the accounts receivable. Preliminary examination that accepts applications for pre-examination related to the purchase of accounts receivable from creditors, and pre-examination that presents the judgment result of whether or not the accounts receivable can be purchased and the amount of accounts receivable that can be purchased to the creditor. The result presentation step, the transmission step of sending the application information from the creditor to the purchasing institution that purchases the accounts receivable when the creditor applies for the purchase of the accounts receivable, and the accounts receivable from the creditor. The electronic computer is made to execute the notification step of receiving the notification information from the purchasing institution and notifying the creditor for the purchase application.

According to this disclosure, a preliminary examination is conducted based on the transaction information and financial information of the creditor of the accounts receivable and the transaction information of the debtor, and the purchaseable amount of the accounts receivable is assessed if it is available for purchase. .. Therefore, for example, it is possible for the manager of a small or medium-sized enterprise or a sole proprietorship to carry out a preliminary examination before applying to the purchasing institution for the purchase of accounts receivable. As a result, it is possible to lower the psychological hurdle of applying for the purchase of accounts receivable to financial institutions and provide appropriate purchase information of accounts receivable.

It is a functional block block diagram which shows the information provision system which concerns on one Embodiment of this disclosure. It is a schematic diagram which shows the example of the relationship with the user terminal 200, the information providing apparatus 100, and the purchasing institution server 300 of FIG. It is a functional block block diagram which shows the user terminal 200 of FIG. It is a flowchart which shows the operation of the pre-examination process in the information providing apparatus 100 of FIG. It is a screen display figure which shows the example of the login screen W1 displayed on the display part 220 of FIG. It is a screen display figure which shows the example of the billing information input screen W2 displayed on the display part 220 of FIG. It is a flowchart which shows the operation of the pre-examination result presentation processing in the information providing apparatus 100 of FIG. It is a screen display figure which shows the example of the preliminary examination application screen W3 displayed on the display part 220 of FIG. It is a screen display figure which shows the example of the billing information display screen W4 displayed on the display part 220 of FIG. It is a screen display figure which shows the example of the preliminary examination result display screen W5 displayed on the display part 220 of FIG. It is a functional block block diagram which shows the information providing apparatus 100A of the information providing system which concerns on one Embodiment of this disclosure. It is a flowchart which shows the operation of the pre-examination processing in the information providing apparatus 100A of FIG. It is a functional block block diagram which shows the computer 700 which concerns on one Embodiment of this disclosure.

Hereinafter, embodiments of the present disclosure will be described with reference to the drawings. The embodiments described below do not unreasonably limit the contents of the present disclosure described in the claims. Also, not all of the components shown in the embodiments are essential components of the present disclosure.

(Embodiment 1)
<Structure>
FIG. 1 is a functional block configuration diagram showing an information providing system 1 according to the first embodiment of the present disclosure. This information providing system 1 is not limited, but as an example, determines whether or not it is possible for a user who is a manager of a small or medium-sized enterprise or a private business to purchase the accounts receivable of the user. It is a system that presents the purchase price and provides application information to purchasing institutions such as financial institutions that purchase accounts receivable.

The service provided by the information providing system 1 is not limited to the provision of purchase information of accounts receivable as described above, and may be a general accounting processing service related to the user's company or individual business. You may use the financial information, transaction information, etc. entered in the service. Further, when it is determined that the cash flow is poor in the accounting process, the purchase information of the accounts receivable may be provided as a service for improving the cash flow.

In addition, the accounts receivable referred to here are the sales proceeds of goods and services that have been billed but have not been collected. Usually, transactions between companies and sole proprietors are margin transactions, in which goods and services are provided first, invoices are issued, and settlement is made later. In this case, the billing information for which the bill has been confirmed but the price has not been collected is called an account receivable.

The information providing system 1 includes an information providing device 100, a user terminal 200, a purchasing institution server 300, and a network NW. The information providing device 100, the user terminal 200, and the purchasing institution server 300 are connected to each other via the network NW. The network NW is a communication network for communication, and is not limited to the Internet, an intranet, a LAN (Local Area Network), a WAN (Wide Area Network), a wireless LAN (Wireless LAN), and a wireless WAN (Wireless LAN). It is composed of a communication network including Wireless WAN (WAN), Virtual Private Network (VPN), and the like.

When the information providing device 100 receives the input of the accounts receivable from the user terminal 200 by the operation of the user who is the creditor, the information providing device 100 performs a preliminary examination for determining in advance whether or not the accounts receivable can be purchased, and the purchase of the accounts receivable is completed. If possible, assess the amount that can be purchased in advance, and when the user accepts an application for pre-examination of the purchase of accounts receivable, the result of the pre-examination will be presented, and if the user applies for purchase, the purchasing institution It is a device that provides user's application information to. The information providing device 100 is not limited, but is composed of, for example, a computer (desktop, laptop, tablet, etc.) that provides various Web services, a device including a server device, and the like. The server device is not limited to a server device that operates independently, and may be a distributed server system or a cloud server that operates in cooperation by communicating via a network NW.

The user terminal 200 is a device that accepts an application operation for purchase of accounts receivable, which is input by the user, and displays the determination result of whether or not the accounts receivable is available for purchase and the information on the purchaseable amount provided by the information providing device 100. It is not limited, but is composed of smartphones, mobile terminals, computers (desktops, laptops, tablets, etc.) and the like. In this user terminal 200, as an example, not limited to, an application for receiving the purchase information of accounts receivable in the information providing system 1 is installed, or a URL or the like for accessing the information providing device 100 is set. By tapping or double-clicking them to start or display them on the browser, the service of providing purchase information of accounts receivable or accounting is started.

The purchasing institution server 300 is a server device installed in, for example, a financial institution that purchases accounts receivable from small and medium-sized enterprises, sole proprietors, and the like. The purchasing institution server 300 is not limited, but is composed of, for example, a computer (desktop, laptop, tablet, etc.) that provides various Web services, a device including a server device, and the like. Similar to the information providing device 100, the server device is not limited to the server device that operates independently, and may be a distributed server system or a cloud server that cooperates by communicating via the network NW.

FIG. 2 is a schematic diagram showing an example of the relationship between the user terminal 200, the information providing device 100, and the purchasing institution server 300 of FIG. As shown in FIG. 2, the information providing system 1 in the present embodiment is operated by itself when, for example, a user (creditor) U who is a manager of a small or medium-sized enterprise or a private business wishes to purchase accounts receivable. The information providing device 100 is accessed via the user terminal 200, and an application for pre-examination is made.

Then, the information providing device 100 determines in advance whether or not the accounts receivable can be purchased from the transaction information and financial information of the user U, and the transaction information of the business partner (debtor), and if the purchase is possible, the purchaseable amount. Is assessed in advance, so the judgment result of whether or not the purchase is possible and the purchaseable amount when the purchase is possible are presented. The user U decides whether or not to actually purchase the product from the presented purchase availability determination information and the purchaseable amount.

When the user U decides to actually purchase the information, the information providing device 100 applies for the purchase on behalf of the user U to the purchase institution server 300 such as a financial institution that provides the purchase service of the accounts receivable. Send application information. At this time, in the information providing device 100, for example, the personal information (name, age, etc.) of the user U, the attribute information, the transaction information and the financial information related to the company or the individual business of the user U stored in the information providing device 100, and further. Send the transaction information of the business partner.

In the purchasing institution server 300, whether or not the accounts receivable can be purchased based on the credit determination system unique to the purchasing institution of the business partner, which considers the risk of so-called bad debt from the application information of the user U, for example, from the transaction information of the business partner. To judge. The determination of whether or not the receivables can be purchased by the purchasing institution server 300 is hereinafter referred to as the main examination. By configuring the information provision system 1 in this way, it is possible to undergo a preliminary examination before applying for the purchase of accounts receivable to the purchasing institution. The purpose is to lower the psychological hurdles for applications for purchase of accounts receivable and to lead to the execution of purchases.

As shown in FIG. 1, the information providing device 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

The communication unit 110 is a communication interface for communicating with the user terminal 200 and the purchasing institution server 300 via the network NW by wire or wirelessly, and any communication protocol is used as long as mutual communication can be executed. May be good. The communication unit 110 is not limited, and for example, communication is performed by a communication protocol such as TCP / IP (Transmission Control Protocol / Internet Protocol).

The storage unit 120 stores programs, input data, and the like for executing various control processes and each function in the control unit 130, and is not limited, but as an example, a RAM (Random Access Memory) and a ROM (Read Only). It is composed of a memory including a memory) and a storage including an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory and the like. Further, the storage unit 120 stores the transaction DB 121, the financial DB 122, and the purchase model DB (purchase model) 123. Further, the storage unit 120 temporarily stores data when communication is performed between the user terminal 200 and the purchasing institution server 300, and data generated by each process described later.

The transaction DB 121 stores transaction information of a company or an individual business that is a user of the information providing system 1. Specifically, transaction information such as billing information related to delivery of goods, business consignment costs, various payment information such as purchase of equipment, etc. generated in the business of the company, etc. is the information of the business partner, expense item, etc. It is stored for each user as information such as the date of occurrence and the transaction amount. In addition, by aggregating this transaction information, the company or the like treats it as financial information for a predetermined period such as daily, monthly, or yearly.

The financial DB 122 stores financial information of a company or an individual business that is a user of the information providing system 1. Specifically, information on assets such as current assets such as cash and securities of the company concerned and fixed assets, information on current liabilities such as bills payable and borrowings, information on liabilities such as fixed liabilities, and information on net assets are stored. ..

The purchase model DB 123 includes transaction information and financial information of the user who is the creditor of the accounts receivable when the company or the individual business which is the user of the information providing system 1 has purchased the accounts receivable in the past. , Model information for calculating the purchaseable amount is stored based on the transaction information of the business partner who is the obligor of the accounts receivable. This model information is based on, for example, the transaction information stored in the transaction DB 121, the financial information stored in the financial DB 122, and the information on the purchase amount of accounts receivable made to the user in the past. This is model information generated by machine learning.

The control unit 130 controls the overall operation of the information providing device 100 by executing a program stored in the storage unit 120, and is not limited to, but as an example, a CPU (Central Processing Unit), an MPU ( A device including a Micro Processing Unit (GPU), a GPU (Graphics Processing Unit), a microprocessor (Microprocessor), a processor core (Processor core), a multiprocessor (Multiprocessor), an ASIC (Application-Specific Integrated Circuit), and an FPGA (Field Programmable Gate Array). Etc. The control unit 130 includes a purchase availability determination unit 131, a purchase amount assessment unit 132, a pre-examination reception unit 133, a pre-examination result presentation unit 134, a transmission unit 135, and a notification unit 136. The purchase availability determination unit 131, the purchase amount assessment unit 132, the pre-examination reception unit 133, the pre-examination result presentation unit 134, the transmission unit 135, and the notification unit 136 are activated by the program stored in the storage unit 120 to provide information. It is executed by the providing device 100.

The purchase availability determination unit 131 converts the user's transaction information stored in the transaction DB 121, the transaction information of the business partner, and the user's financial information stored in the financial DB 122 into the purchase model stored in the purchase model DB 123. Based on this, it is determined whether or not the accounts receivable can be purchased. Here, the user is a creditor who has input billing data, but if the debtor who is a business partner is also registered as a user, the transaction information of the debtor is also referred to. The purchase determination of the accounts receivable is not limited, but is made for each account receivable (transaction), that is, for each invoice data.

The purchase availability determination unit 131 determines the purchase availability under the following conditions, for example. The transaction information stored in the transaction DB 121 is
-The amount of one receivable is within the specified range.
-The period from the transaction occurrence date to the credit due date (payment due date) is within the specified range.
-The business partner is a corporation.
・ There must be one or more payment records from the same business partner.
In addition, the financial information stored in the financial DB 122 is
・ Net assets and operating income must be equal to or greater than the specified amount.
・ The cash and deposit balance must be 1 yen or more.
In the case of, it is determined that the purchase is possible. This condition is stored in, for example, the purchase model DB 123.

Further, the purchase determination of the accounts receivable by the purchase availability determination unit 131 is performed at a predetermined timing after the occurrence of the accounts receivable. As an example, but not a limitation, when a user operates a user terminal 200 to access the information providing device 100 and inputs information on accounts receivable, that is, invoice data in the accounting processing service provided by the information providing device 100, or It is done in daily batch processing.

When the purchase amount assessment unit 132 determines that the accounts receivable can be purchased by the purchase availability determination unit 131, the transaction information of the user (creditor) and the business partner (debtor) stored in the transaction DB 121 The amount of accounts receivable that can be purchased is assessed based on the purchase model stored in the purchase model DB 123 from the transaction information of the above and the financial information of the user stored in the financial DB 122. Here, the purchaseable amount of accounts receivable is not limited, but as an example, when there are a plurality of purchasing institutions, it means the highest amount of the purchase amount at each purchasing institution. This purchaseable amount is assessed by, for example, by accounts receivable, that is, by invoice data, without limitation.

In addition, the purchase amount assessment unit 132 assesses the purchaseable amount at a predetermined timing after the occurrence of the accounts receivable. As an example, but not a limitation, when a user operates a user terminal 200 to access the information providing device 100 and inputs information on accounts receivable, that is, invoice data in the accounting processing service provided by the information providing device 100, or It is done in daily batch processing.

The purchase judgment unit 131 determines the purchase of the accounts receivable, and the purchase amount assessment unit 132 assesses the purchaseable amount in advance before the user applies for the preliminary examination, and the accounts receivable are generated as described above. Immediately after this, or in the daily batch processing of the day. The purchase determination result and the assessment result are performed for each invoice data, and since the invoice data is stored in the transaction DB 121, it is stored in association with the invoice data of the transaction DB 121. Alternatively, it is directly stored in the transaction DB 121.

The pre-examination reception unit 133 operates the user terminal 200 to access the information providing device 100, and operates the user terminal 200 to apply for the pre-examination related to the purchase of accounts receivable. , Accepted via the communication unit 110. The application for pre-examination is not limited, but as an example, the accounting service provided by the information providing device 100 provides guidance on the purchase of accounts receivable, and a button (pre-examination application means) that is pressed when desired is a user terminal. Since it is displayed (provided) in 200, an application is made by pressing this button. In addition, the display of this guide and the button is not limited, but as an example, the accounts receivable that can be purchased as a result of the purchase judgment of the accounts receivable by the purchase availability judgment unit 131 and the assessment of the purchaseable amount by the purchase amount assessment unit 132. Is performed for users who have one or more cases, and is not performed for users who do not have any accounts receivable that can be purchased.

Since the user applies for the pre-examination by pressing a button on the user terminal 200 or the like in the pre-examination result presentation unit 134, the purchase determination result of the accounts receivable by the purchase availability determination unit 131 and the purchase are made to the user. The amount of money that can be purchased by the amount assessment unit 132 is transmitted to the user terminal 200 via the communication unit 110 and presented to the user. At this time, the purchase determination result and the purchaseable amount of the accounts receivable are displayed for each invoice data, and when there are a plurality of invoice data, a plurality of invoice data are displayed. Further, as an example, not limited to, a button (purchase application means) for actually accepting an application for purchase of accounts receivable to a purchasing institution is displayed on the user terminal 200.

Since the transmission unit 135 applies for the purchase of the accounts receivable (main examination) by pressing the button for accepting the application for the purchase of the accounts receivable by operating the user terminal 200, the information of the application is input. , Accepted via the communication unit 110. At this time, an application for purchase of accounts receivable (main examination) can be made for each accounts receivable, that is, for each invoice data. Further, the transmission unit 135 transmits the user's application information to the purchase institution server 300 of the purchase institution. The user application information includes, for example, the user's personal information (name, age, etc.), attribute information such as the name of a company or a private business, the user's transaction information stored in the transaction DB 121, and the user stored in the financial DB 122. Financial information is included. The selection of invoice data desired to be purchased by the user is not limited to one, and a plurality of invoice data may be selected.

Since the notification information is transmitted from the purchasing institution server 300 in response to the user's application to the purchasing institution server 300 sent by the transmitting unit 135, the notification unit 136 receives the notification information via the communication unit 110. .. Further, the notification unit 136 transmits the received notification information to the user terminal 200 via the communication unit 110. The user terminal 200 displays, for example, the received notification information from the purchasing institution server 300. The notification information from the purchasing institution server 300 is, for example, a notification that an application for purchase of accounts receivable has been accepted, a status notification and result notification of the main examination, status information for purchasing the accounts receivable, and the like.

FIG. 3 is a functional block configuration diagram showing the user terminal 200 of FIG. The user terminal 200 includes a communication unit 210, a display unit 220, an operation unit 230, a storage unit 240, and a control unit 250.

The communication unit 210 is a communication interface for communicating with the information providing device 100 by wire or wirelessly via the network NW, and any communication protocol may be used as long as mutual communication can be executed. The communication unit 210 is not limited, and for example, communication is performed by a communication protocol such as TCP / IP.

The display unit 220 is a user interface used for displaying the operation content input by the user and the transmission content from the information providing device 100, and is composed of a liquid crystal display or the like. The display unit 220 displays the purchase determination result and the purchaseable amount of the accounts receivable by the pre-examination result presentation unit 134, and displays the notification information from the purchase institution server 300 by the notification unit 136.

The operation unit 230 is a user interface used for a user to input an operation instruction, and is composed of a keyboard, a mouse, a touch panel, and the like. The operation unit 230 is used for inputting an application for pre-examination related to the purchase of accounts receivable in the pre-examination reception unit 133 and inputting an application for purchase of accounts receivable (main examination) in the transmission unit 135.

The storage unit 240 stores programs for executing various control processes and each function in the control unit 250, input data, and the like. The storage unit 240 is not limited, and as an example, a memory including a RAM, a ROM, and the like, an HDD, and the like. It is composed of storage including SSD, flash memory and the like. In addition, the storage unit 240 temporarily stores the data that has communicated with the information providing device 100.

The control unit 250 controls the entire operation of the user terminal 200 by executing a program stored in the storage unit 240, and is not limited to, but as an example, a CPU, an MPU, a GPU, a microprocessor, and a processor. It is composed of a core, a multiprocessor, an ASIC, a device including an FPGA, and the like.

<Processing flow>
The processing flow of an example of the information providing method executed by the information providing device 100 of the information providing system 1 will be described. First, with reference to FIG. 4, the flow of the pre-examination process, which is a part of the information providing method, executed by the information providing device 100 will be described. FIG. 4 is a flowchart showing the operation of the pre-examination process in the information providing device 100 of FIG.

As the process of step S101, the information providing device 100 performs user authentication in order to provide the user with a pre-examination related to the purchase of accounts receivable by the information providing system 1 and an accounting service including the pre-examination. Therefore, the user is requested to input the account information and the password, and the user authentication is performed by collating the registered information based on the input information. If they match, the information providing device 100 is logged in.

FIG. 5 is a screen display diagram showing an example of the login screen W1 displayed on the display unit 220 of FIG. In step S101, since the user operates the user terminal 200 to access the information providing device 100, the URL of the login screen is transmitted according to the instruction of the information providing device 100, and the login screen is displayed. Alternatively, the login screen is displayed according to the instruction of the application installed in the user terminal 200 in advance. By these operations, the login screen W1 as shown in FIG. 5 is displayed on the display unit 220 of the user terminal 200.

When the login screen W1 as shown in FIG. 5 is displayed on the user terminal 200, the user operates the operation unit 230 to display the account input field IN1 and the password input field IN2 provided on the login screen W1. Enter your account information (email address in this embodiment) and password respectively. After that, by pressing the login button B1, the user authentication in step S101 is performed, and the user is logged in to the information providing device 100.

As the process of step S102, in the information providing device 100, the user inputs the billing data by operating the user terminal 200, and the input information is received via the communication unit 110. As a result, accounts receivable are generated, and the input invoice data is stored in the transaction DB 121.

FIG. 6 is a screen display diagram showing an example of the billing information input screen W2 displayed on the display unit 220 of FIG. When the user authentication is performed in step S101 and the user is logged in to the information providing device 100, the screen of the service provided by the information providing device 100 is displayed. For example, when the information providing device 100 provides all services of accounting processing related to a company or a private business, the initial screen of the accounting service is displayed.

In the example shown in FIG. 6, billing data is input using the billing information input screen W2, which is one of the accounting services. In the input field IN3 provided in the billing information input screen W2, for example, items such as a business partner (company) name, a billing item, a unit price, and a total billing amount are input. The invoice data input on the billing information input screen W2 is stored in the transaction DB 121. The input information is also reflected in the financial DB 122.

As the process of step S103, the purchase availability determination unit 131 of the information providing device 100 stores the transaction information of the user (creditor), the transaction information of the business partner, and the financial DB 122, which are input in step S102 and stored in the transaction DB 121. From the financial information of the user, it is determined whether or not the accounts receivable can be purchased based on the purchase model stored in the purchase model DB 123. The process of step S103 is performed immediately after the billing data is input in step S102, or in a daily batch process that is activated in a predetermined time zone. The purchase determination result of the accounts receivable is stored, for example, in association with the invoice data of the transaction DB 121.

As the process of step S104, when the purchase amount assessment unit 132 determines that the purchase of the accounts receivable made in step S103 is possible, the transaction information of the user (creditor) stored in the transaction DB 121, From the transaction information of the business partner and the financial information of the user stored in the financial DB 122, the purchaseable amount of the accounts receivable is assessed based on the purchase model stored in the purchase model DB 123. The assessment result of the purchaseable amount of the accounts receivable is stored, for example, in association with the invoice data of the transaction DB 121.

Next, with reference to FIG. 7, the flow of the pre-examination result presentation process, which is a part of the information providing method, executed by the information providing device 100 will be described. FIG. 7 is a flowchart showing the operation of the pre-examination result presentation process in the information providing device 100 of FIG.

As the process of step S201, the user authentication for logging in to the information providing device 100 is performed as in the process of step S101.

As the process of step S202, the accounting processing service provided by the information providing device 100 provides guidance on the purchase of accounts receivable, and a button (preliminary examination application means) pressed when desired is displayed on the user terminal 200. This guidance and button display are not limited, but as an example, as a result of the purchase judgment of the accounts receivable performed in step S103 and the assessment of the purchaseable amount performed in step S104, the accounts receivable that can be purchased is 1. It is performed for users who have more than one case.

FIG. 8 is a screen display diagram showing an example of the preliminary examination application screen W3 displayed on the display unit 220 of FIG. When the user authentication is performed in step S201 and the user is logged in to the information providing device 100, the screen of the service provided by the information providing device 100 is displayed. For example, when the information providing device 100 provides all services of accounting processing in general, the initial screen of accounting service is displayed, and in the accounting service, the pre-examination application screen W3 is displayed as the processing of step S202. Will be done.

In the example shown in FIG. 8, the purchase service of accounts receivable is displayed as one of the cash flow improvement services on the pre-examination application screen W3. As described above, the display of the cash flow improvement service on the pre-examination application screen W3 can be purchased as a result of the purchase judgment of the accounts receivable performed in step S103 and the assessment of the purchaseable amount performed in step S104. It is performed for users who have one or more accounts receivable, and not for users who do not have any accounts receivable that can be purchased. When the user presses the service guidance button (preliminary examination application means) B2 on the pre-examination application screen W3, the process of accepting the pre-examination in the subsequent step S203 is performed. As a result, it is possible to receive a judgment as a result of the preliminary examination with a simple application procedure.

As the process of step S203, in the pre-examination reception unit 133 of the information providing device 100, the user applies for the pre-examination related to the purchase of the accounts receivable by operating the user terminal 200. Accept via. Specifically, the application for pre-examination is made by pressing the service guidance button B2 on the pre-examination application screen W3 in the example shown in FIG.

As the process of step S204, in the pre-examination result presentation unit 134, since the user applies for the pre-examination by operating the user terminal 200 in step S203, the purchase of the accounts receivable performed in step S103 is made to the user. The result of the determination and the assessment of the purchaseable amount performed in step S104 is transmitted to the user terminal 200 via the communication unit 110 and presented to the user. Further, at this time, a button (purchase application means) for actually accepting the purchase application for the accounts receivable to the purchasing institution is displayed on the user terminal 200.

FIG. 9 is a screen display diagram showing an example of the billing information display screen W4 displayed on the display unit 220 of FIG. Further, FIG. 10 is a screen display diagram showing an example of the pre-examination result display screen W5 displayed on the display unit 220 of FIG. The billing information display screen W4 shown in FIG. 9 is screen information displayed when an operation for displaying a list of billing data is performed on the billing information input screen W2 as shown in FIG. On the billing information display screen W4, the information of the business partner is displayed in the business partner display column T1, and the information of the transaction amount is displayed in the transaction amount display column T2.

FIG. 10 is a screen display diagram showing an example of the preliminary examination result display screen W5 displayed on the display unit 220 of FIG. On the pre-examination result display screen W5 shown in FIG. 10, the purchaseable amount T3 is displayed with respect to the list of billing data displayed on the billing information display screen W4 shown in FIG. The billing data in which the purchaseable amount T3 is displayed is determined to be available for purchase, and the purchaseable amount is assessed.

On the pre-examination result display screen W5 shown in FIG. 10, the selection radio button S1 is displayed for the billing data that is determined to be available for purchase and the purchaseable amount has been assessed, and the purchase application button (purchase application means). B4 is displayed. When the selection radio button S1 is selected and the purchase application button B4 is pressed, an application for purchase (main examination) of accounts receivable, which is a subsequent process, is made.

As a process of step S205, since the user applies for the purchase of accounts receivable by operating the user terminal 200 in the transmission unit 135, the information of the application is received via the communication unit 110. Specifically, the selection radio button S1 in the example shown in FIG. 10 is selected, and the purchase application button B4 is pressed to apply for the preliminary examination. In addition, the transmission unit 135 transmits the user's application information to the purchase institution server 300 of the purchase institution.

As a process of step S206, in the notification unit 136, notification information is transmitted from the purchase institution server 300 in response to the application to the purchase institution server 300 of the user transmitted in step S205, so that the notification information is the communication unit. Accepted via 110. Further, in the notification unit 136, the received notification information is transmitted to the user terminal 200 via the communication unit 110. With this notification information, the user can grasp the status toward the purchase of the accounts receivable.

<Effect>
As described above, the information providing device and the information providing method according to the present embodiment are the purchaseability determination unit that performs a preliminary examination based on the transaction information and financial information of the creditor of the accounts receivable and the transaction information of the debtor. Since it is equipped with a purchase amount assessment department that assesses the purchaseable amount of accounts receivable when it is possible to purchase, for example, the manager of a small or medium-sized enterprise or an individual business can contact a financial institution with a purchase institution. It is possible to carry out a preliminary examination before applying for the purchase of accounts receivable. Therefore, it is possible to lower the psychological hurdle of applying for the purchase of accounts receivable to the purchasing institution and provide appropriate purchase information of the accounts receivable. This can facilitate the use of factoring as a means of improving cash flow.

In addition, the pre-screening application method, which is operated when the user wishes for pre-screening, is provided (displayed) only to the user who has one or more accounts receivable that can be purchased as a result of the pre-screening. It is possible to appropriately provide only the necessary users without providing unnecessary information to the users who do not have any accounts receivable that can be purchased.

Furthermore, the purchase availability judgment unit and the purchase amount assessment department make judgments and assessments for each accounts receivable, that is, for each invoice data, and the transmission unit makes an application for purchase, so only the necessary amount is required. It is possible to have the accounts receivable purchased.

(Embodiment 2)
FIG. 11 is a functional block configuration diagram showing an information providing device 100A of the information providing system 1 according to the second embodiment of the present disclosure. When the information providing device 100A receives the input of the accounts receivable from the user who is the creditor, the information providing device 100A determines in advance whether or not the accounts receivable can be purchased and assesses the purchaseable amount, and the user determines the purchaseable amount of the accounts receivable. The function of the control unit 130 is the same as that of the information providing system 1 according to the first embodiment in that the result of the pre-examination is presented when the application for the pre-examination of purchase is accepted and the application information of the user is provided to the purchasing organization. This is different from the information providing system 1 according to the first embodiment in that the demand amount calculation unit 137 is provided.

In the present embodiment, since the user's fund demand can be grasped from the financial information of the user who is the creditor, it is an object of the present invention to provide the purchase information of the accounts receivable based on the fund demand amount.

The demand amount calculation unit 137 calculates the fund demand amount within a predetermined period of the user based on the user's financial information stored in the financial DB 122. For example, from the amount of current liabilities stored in the financial DB 122, it is possible to grasp the demand for funds required by a predetermined time (for example, the end of the current month), that is, the amount required for payment, repayment, or the like. Similarly, since the amount of money to be deposited by that time can be grasped, the shortage amount can also be grasped. Calculate this demand for funds.

The pre-examination result presentation unit 134 in the present embodiment presents the purchaseable amount within the range of the fund demand amount calculated by the demand amount calculation unit 137 among the purchaseable amount by the purchase amount assessment unit 132. As an example, not a limitation, if the amount of funds required is 1 million yen, there are multiple accounts receivable that can be purchased, and only one case is 1 million yen or more, only one case will be presented. You may also recommend this one case and present other receivables that can be purchased. This makes it possible to purchase accounts receivable that match the amount of funds required.

<Processing flow>
Among the processing flows of an example of the information providing method executed by the information providing apparatus 100 of the information providing system 1, the flow of the preliminary examination processing will be described with reference to FIG. 12 and different from the first embodiment. FIG. 12 is a flowchart showing the operation of the pre-examination process in the information providing device 100A of FIG.

As the process of step S105, which is a subsequent process of step S103, the demand amount calculation unit 137 of the information providing device 100 calculates the fund demand amount within a predetermined period of the user based on the user's financial information stored in the financial DB 122. Will be done.

As the process of step S204, in the pre-examination result presentation unit 134, the user terminal 200 is operated by the user in step S203 to apply for the pre-examination. The amount that can be purchased is presented within the range of. Other configurations and processing flows are the same as those in the first embodiment.

According to the present embodiment, in addition to the effect of the first embodiment, the provision of the demand amount calculation unit makes it possible to present the purchaseable amount within the range of the fund demand amount. This makes it possible to purchase accounts receivable that are more in line with the amount of funds required.

(Embodiment 3 (program))
FIG. 13 is a functional block configuration diagram showing an example of the configuration of the computer (electronic computer) 700. The computer 700 includes a CPU 701, a main storage device 702, an auxiliary storage device 703, and an interface 704.

Here, the purchase availability determination unit 131, the purchase amount assessment unit 132, the pre-examination reception unit 133, the pre-examination result presentation unit 134, the transmission unit 135, the notification unit 136, and the demand according to the first and second embodiments. The details of the control program (information providing program) for realizing each function constituting the amount calculation unit 137 will be described. These functional blocks are implemented in the computer 700. The operation of each of these components is stored in the auxiliary storage device 703 in the form of a program. The CPU 701 reads the program from the auxiliary storage device 703, expands it to the main storage device 702, and executes the above processing according to the program. Further, the CPU 701 secures a storage area corresponding to the above-mentioned storage unit in the main storage device 702 according to the program.

Specifically, the program conducts a preliminary examination on the computer 700 based on the transaction information and financial information of the creditors of the accounts receivable and the transaction information of the debtors of the accounts receivable, and purchases the accounts receivable. The purchase availability determination step to determine whether or not it is possible, and if it is determined that the accounts receivable can be purchased, the transaction information and financial information of the creditors of the accounts receivable, and the debt of the accounts receivable. A purchase amount assessment step that assesses the purchaseable amount of accounts receivable based on the transaction information of the creditor, a pre-examination acceptance step that accepts a pre-examination application for the purchase of accounts receivable from the creditor, and the accounts receivable Preliminary examination result presentation step to present the purchase availability judgment result and the purchaseable amount of the accounts receivable to the creditor, and when the creditor applies for the purchase of the accounts receivable, the application information from the creditor is the accounts receivable. A computer realizes a transmission step of sending to a purchasing institution that purchases receivables and a notification step of receiving notification information from the purchasing institution and notifying the creditor of an application for purchase of accounts receivable from the creditor. It is a control program.

The auxiliary storage device 703 is an example of a non-temporary tangible medium. Other examples of non-temporary tangible media include magnetic disks, magneto-optical disks, CD-ROMs, DVD-ROMs, semiconductor memories, etc. connected via interface 704. When this program is distributed to the computer 700 via the network, the distributed computer 700 may expand the program to the main storage device 702 and execute the above processing.

Further, the program may be for realizing a part of the above-mentioned functions. Further, the program may be a so-called difference file (difference program) that realizes the above-mentioned function in combination with another program already stored in the auxiliary storage device 703.

Although the embodiments related to the disclosure have been described above, these can be implemented in various other embodiments, and can be implemented by making various omissions, substitutions, and changes. These embodiments and modifications, as well as those omitted, replaced or modified, are included in the technical scope of the claims and the equivalent scope thereof.

1, 1A information providing system, 100, 100A information providing device, 110 communication unit, 120 storage unit, 121 transaction DB, 122 financial DB, 123 purchase model DB (purchase model), 130 control unit, 131 purchase availability determination unit, 132 Purchase price assessment unit, 133 pre-examination reception unit, 134 pre-examination result presentation unit, 135 transmission unit, 136 notification unit, 137 demand amount calculation unit, 200 user terminal, 210 communication unit, 220 display unit, 230 operation unit, 240 memory Department, 250 control unit, 300 purchasing agency server, NW network

Claims (12)

It is an information providing device that determines whether or not it is possible to purchase accounts receivable and presents the purchase price.
Preliminary examination is performed based on the transaction information and financial information of the creditor of the accounts receivable and the transaction information of the debtor of the accounts receivable, and it is determined whether or not the purchase of the accounts receivable is possible. Purchase availability judgment unit and
When it is determined that the accounts receivable can be purchased, the accounts receivable of the accounts receivable are based on the transaction information and financial information of the creditors of the accounts receivable and the transaction information of the debtor of the accounts receivable. The purchase amount assessment department that assesses the purchaseable amount, and
The pre-examination reception department that accepts applications for pre-examination related to the purchase of the accounts receivable from the creditors,
A pre-examination result presentation unit that presents the determination result of whether or not the accounts receivable can be purchased and the purchaseable amount of the accounts receivable to the creditor.
When there is an application for purchase of the accounts receivable from the creditor, a transmission unit that transmits the application information from the creditor to the purchasing institution that purchases the accounts receivable.
An information providing device including a notification unit that receives notification information from the purchasing institution and notifies the creditor of an application for purchase of the accounts receivable from the creditor. The purchase availability determination unit determines whether or not the accounts receivable can be purchased at a predetermined timing after the occurrence of the accounts receivable.
The information providing device according to claim 1, wherein the purchase amount assessment unit assesses the purchaseable amount of the accounts receivable determined that the accounts receivable can be purchased at the predetermined timing. The information providing device according to claim 2, wherein the predetermined timing is a predetermined timing before receiving the application for the preliminary examination from the creditor. Claims 1 to claim that the pre-examination reception unit provides a pre-examination application means for accepting an application for the pre-examination to the creditor who has one or more accounts receivable that can be purchased. The information providing device according to any one of 3. The purchase availability determination unit determines whether or not the accounts receivable can be purchased for each transaction related to the accounts receivable.
The purchase amount assessment unit assesses the purchaseable amount of the accounts receivable determined to be possible for the accounts receivable for each transaction related to the accounts receivable, according to claims 1 to 4. The information providing device according to any one item. According to claim 5, the pre-examination result presentation unit presents the determination result of whether or not the accounts receivable can be purchased and the purchaseable amount of the accounts receivable to the creditor for each transaction related to the accounts receivable. The information providing device described. The information providing device according to claim 6, wherein the pre-examination result presenting unit provides a purchase application means for accepting an application for purchase of the accounts receivable for each transaction related to the accounts receivable. A purchase model for calculating the purchase amount of the accounts receivable based on the transaction information and financial information of the creditor who purchased the accounts receivable in the past and the transaction information of the debtor of the accounts receivable. Remember,
The purchase availability determination unit determines whether or not the accounts receivable can be purchased based on the purchase model, and determines whether or not the accounts receivable can be purchased.
The purchase amount assessment unit assesses the purchaseable amount of the accounts receivable determined that the accounts receivable can be purchased based on the purchase model, any one of claims 1 to 7. The information providing device described in the section. It is equipped with a demand amount calculation unit that calculates the fund demand amount of the creditor based on the financial information of the creditor.
The information according to any one of claims 1 to 8, wherein the pre-examination result presentation unit presents the purchaseable amount of the accounts receivable that satisfies the fund demand amount of the creditor to the creditor. Providing equipment. The information providing device according to any one of claims 1 to 9, wherein the transmitting unit transmits transaction information, financial information, and attribute information of the creditor together with the application information of the creditor. It is an information provision method that determines whether or not it is possible to purchase accounts receivable and presents the purchase price.
It is possible to purchase the accounts receivable by conducting a preliminary examination based on the transaction information and financial information of the creditor of the accounts receivable and the transaction information of the debtor of the accounts receivable, which is performed by the purchase availability judgment unit. The purchase availability judgment step to determine whether or not there is, and
When it is determined that the accounts receivable can be purchased by the purchase price assessment department, the transaction information and financial information of the creditor of the accounts receivable and the transaction information of the debtor of the accounts receivable are added. Based on the purchase amount assessment step for assessing the purchaseable amount of the accounts receivable,
The pre-examination reception step, which is performed by the pre-examination reception department, accepts applications for pre-examination related to the purchase of the accounts receivable from the creditor.
The pre-examination result presentation step, which is performed by the pre-examination result presentation unit, presents the determination result of whether or not the accounts receivable can be purchased and the purchaseable amount of the accounts receivable to the creditor.
When the creditor applies for the purchase of the accounts receivable, the transmitting unit transmits the application information from the creditor to the purchasing institution that purchases the accounts receivable.
An information providing method including a notification step of receiving notification information from the purchasing institution and notifying the creditor with respect to an application for purchase of the accounts receivable from the creditor, which is performed by the notification unit. It is an information providing program that determines whether it is possible to purchase accounts receivable and presents the purchase price.
Preliminary examination is performed based on the transaction information and financial information of the creditor of the accounts receivable and the transaction information of the debtor of the accounts receivable, and it is determined whether or not the purchase of the accounts receivable is possible. Purchase availability judgment step and
When it is determined that the accounts receivable can be purchased, the accounts receivable of the accounts receivable are based on the transaction information and financial information of the creditors of the accounts receivable and the transaction information of the debtor of the accounts receivable. The purchase amount assessment step to assess the purchaseable amount, and
A pre-examination acceptance step that accepts an application for pre-examination related to the purchase of the accounts receivable from the creditor, and
A pre-examination result presentation step of presenting the determination result of whether or not the accounts receivable can be purchased and the purchaseable amount of the accounts receivable to the creditor, and
When there is an application for purchase of the accounts receivable from the creditor, a transmission step of transmitting the application information from the creditor to the purchasing institution that purchases the accounts receivable, and a transmission step.
An information providing program for causing a computer to perform a notification step of receiving notification information from the purchasing institution and notifying the creditor in response to an application for purchase of the accounts receivable from the creditor.

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