JP2021170202A - Fund raising assist device, fund raising assist method, fund raising assist program, and fund raising assist system - Google Patents

Abstract

To provide a fund raising service for a creditor which does not require purchase of accounts receivable and provide benefits also to a debtor.SOLUTION: According to an aspect of the present disclosure, a fund raising assist device includes: a request acquisition unit which acquires a prepayment request for at least a part of money from a creditor terminal associated with a creditor having a credit for receiving payment of money in the future from a debtor; an acceptance inquiry unit which inquires to a debtor terminal associated with the debtor for the propriety of the prepayment of the credit; and a payment instruction unit which instructs payment, to the creditor, of currency corresponding to at least a part of the money when the prepayment request is acquired and the prepayment for the credit is accepted by the debtor.SELECTED DRAWING: Figure 1

Description

The present disclosure relates to financing support devices, financing support methods, financing support programs, and financing support systems.

Conventionally, factoring is known as one of the financing methods. Factoring is a financial service that enables a business operator to raise funds for a user by purchasing accounts receivable owned by the user (creditor). In recent years, some businesses have used factoring frameworks to provide financing services for freelance and sole proprietors.

Patent Document 1 proposes a factoring device that automatically offsets claims and debts by receiving the transfer of both the claims and debts of the paying company in the factoring business.

JP-A-2019-219933

According to the factoring framework, the business operator needs to manage the credit of the user (creditor) in connection with the purchase of the accounts receivable. In general, factoring has the benefit of being able to raise funds early from the creditor's point of view, but has no particular benefit from the debtor's point of view.

The purpose of this disclosure is to provide a financing service for creditors that does not involve the purchase of accounts receivable and is also beneficial to the debtor.

According to one aspect of the disclosure, the financing support device is a request to obtain a prepayment request for at least a portion of the money from a creditor terminal associated with a creditor who has a claim to be paid in the future by the debtor. The acquisition department, the approval inquiry department that inquires the debtor terminal associated with the debtor whether or not to pay the prepayment for the claim, and the creditor when the prepayment request is acquired and the debtor approves the prepayment for the debt. It is provided with a payment instruction unit that instructs payment of money equivalent to at least a part of money.

According to the present disclosure, it is possible to provide a financing service for creditors that does not involve the purchase of accounts receivable and is also beneficial to the debtor.

It is a block diagram which shows the structure of the fund procurement support system of 1st Embodiment. It is a block diagram which shows the structure of the fund procurement support apparatus of 1st Embodiment. It is a figure which shows the data structure of the invoice database of 1st Embodiment. It is a figure which shows the whole flow of the fund procurement support process of 1st Embodiment. It is a figure which shows the example of the invoice selection screen displayed on the contractor terminal in the fund procurement support process of 1st Embodiment. It is a figure which shows the example of the desired amount designation screen displayed on the contractor terminal in the fund procurement support process of 1st Embodiment. It is a figure which shows the example of the inquiry answer screen displayed on the ordering party terminal in the fund procurement support process of 1st Embodiment. It is a figure which shows the example of the payment guidance screen displayed on the contractor terminal in the fund procurement support process of 1st Embodiment. It is a block diagram which shows the structure of the fund procurement support system of 2nd Embodiment. It is a block diagram which shows the structure of the fund procurement support apparatus of 2nd Embodiment. It is a figure which shows the whole flow of the fund procurement support process of 2nd Embodiment. It is a block diagram which shows the structure of the fund procurement support system of 3rd Embodiment. It is a block diagram which shows the structure of the fund procurement support apparatus of 3rd Embodiment. It is a figure which shows the whole flow of the fund procurement support process of 3rd Embodiment.

Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. In addition, in the drawing for demonstrating the embodiment, the same components are in principle the same reference numerals, and the repeated description thereof will be omitted.

(1) First Embodiment The first embodiment will be described.

(1-1) Configuration of Funding Support System The configuration of the financing support system of the first embodiment will be described. FIG. 1 is a block diagram showing the configuration of the fund procurement support system of the first embodiment.

As shown in FIG. 1, the fund procurement support system 1 includes a fund procurement support device 10, an orderer terminal 20, a contractor terminal 30, a DB management device 40, and a transfer reception device 50.

The fund procurement support device 10 is connected to the orderer terminal 20, the contractor terminal 30, and the transfer reception device 50 via a network (for example, the Internet) NW. The fund procurement support device 10 is connected to the DB management device 40.

The ordering party terminal 20 is, for example, an information processing device associated with a company CO. The contractor terminal 30 is, for example, an information processing device associated with the user US. User US is typically a freelance or sole proprietor.
The company CO orders the business from the user US, and the user US carries out the business. The company CO pays the user US a fee for performing the business by the due date. Therefore, in relation to the ordering of business, the company CO corresponds to the ordering party and the user US corresponds to the contractor. On the other hand, since the user US (contractor) has a claim to receive compensation (that is, money) from the company CO (orderer) in the future, the user US and the company CO (orderer) are the creditor and the company CO (orderer), respectively. It can also be called a debtor. Similarly, the orderer terminal 20 and the contractor terminal 30 can be referred to as a debtor terminal and a creditor terminal, respectively.

The fund procurement support device 10 is an information processing device (for example, a Web server) associated with a business operator OP that is entrusted with payment management work of a fee (outsourcing cost) paid from a company CO to a user US. When the business operator OP uses the fund procurement support device 10 to act for such payment management work, the company CO can obtain the benefit of being freed from the burden of payment management of small outsourcing costs to a large number of user USs. can.

Further, the business operator OP uses the fund procurement support device 10 to receive at least a part of the remuneration related to the business ordered by the user US from the company CO that has concluded the contract with the business operator OP in response to the request from the user US. This allows the user US to receive (ie, prepay the reward) prior to the due date of the reward. Therefore, the company CO can also provide benefits (for example, early financing) to the user US who is the contractor by entrusting the payment management business to the business operator OP. As a result, the corporate CO can not only be freed from the burden of payment management, but also be able to enclose excellent contractors or contractors who can handle short delivery times and improve business efficiency.

The DB management device 40 manages a database including an invoice database. As an example, the invoice database has a table for each company CO that outsources payment management work for outsourced costs to the business operator OP, and the table is addressed to the company CO by any user US. Invoice data representing the contents of the issued invoice is accumulated. The DB management device 40 is, for example, a database server.

The transfer reception device 50 is an information processing device (for example, a Web server) associated with the bank BA0 that holds a predetermined advance account AO. In the replacement account AO, funds are deposited for the business operator OP to temporarily reimburse the payment of expenses from the corporate CO. The transfer reception device 50 receives a transfer instruction from the advance account AO, and sends the amount specified by the transfer instruction from the advance account AO to the transfer destination (for example, the account of the user US) specified by the transfer instruction. Transfer.

(1-1-1) Configuration of Funding Support Device The configuration of the financing support device of the first embodiment will be described. FIG. 2 is a block diagram showing the configuration of the fund procurement support device of the first embodiment.

As shown in FIG. 2, the fund procurement support device 10 includes a storage device 11, a processor 12, an input / output interface 13, and a communication interface 14.

The storage device 11 is configured to store programs and data. The storage device 11 is, for example, a combination of a ROM, a RAM, and a storage (for example, a flash memory or a hard disk).

The program includes, for example, the following program.
-OS (Operating System) program-Application program that executes information processing

The data includes, for example, the following data.
-Database referenced in information processing-Data obtained by executing information processing (that is, the execution result of information processing)

The processor 12 is configured to realize the function of the financing support device 10 by activating the program stored in the storage device 11. The processor 12 is an example of a computer.

Specifically, the processor 12 executes the program to execute the request acquisition unit 121, the approval inquiry unit 122, the prepayment amount determination unit 123, the payment guidance notification unit 124, the payment instruction unit 125, the advance payment request unit 126, and the like. It functions as a billing unit 127.

The request acquisition unit 121 acquires a prepaid request for at least a part of the reward from the contractor terminal 30. Prepaid means, from the standpoint of the user US (creditor), receiving (at least a portion of) the money that can be received from the corporate CO (debtor) by the due date before the due date. ..

The prepayment request may include claim identification information that identifies the claim selected by the user US as the basis for the prepayment request to the enterprise CO. An example of the claim identification information is an invoice ID that identifies the invoice selected by the user US.
The prepayment request may include amount information that specifies the amount that User US wants to prepay.

The approval inquiry unit 122 inquires the ordering terminal 20 of the company CO that is the target of the request whether or not the prepayment of the claim (for example, the invoice) can be made. The approval inquiry unit 122 may inquire the ordering party terminal 20 whether or not to pay in advance for a claim based on the claim identified by the above-mentioned claim identification information (for example, the invoice identified by the invoice ID). .. The approval inquiry unit 122 may make an inquiry to the ordering party terminal 20 by referring to the contractor database described later. For example, the approval inquiry unit 122 may make an inquiry to the ordering terminal 20 triggered by the creation of the invoice data described later or the registration of the invoice data in the invoice database. The approval inquiry unit 122 acquires the inquiry response (that is, the inquiry result regarding whether or not the prepayment is possible regarding the claim) issued by the ordering party terminal 20.

The prepayment amount determination unit 123 determines the amount of money (prepayment amount) to be prepayed to the user US based on the amount information included in the prepayment request from the user US and the inquiry result regarding whether or not the prepayment is possible for the claim. do.

The payment guidance notification unit 124 notifies the user US of the payment guidance. Information subject to payment guidance includes, for example, approved invoices, denied invoices, total invoice amounts related to approved invoices, prepayment amount, fee to business operator OP, and fee from prepayment amount. At least information on the deducted net prepayment amount, the payment date of the net prepayment amount, the balance of the total invoice amount for the approved invoice minus the above prepayment amount, and the payment date of the remaining amount of money. One can be included.
As an example, the payment guidance notification unit 124 notifies the contractor terminal 30 of information necessary for the contractor terminal 30 to generate a payment guidance screen described later.

When the prepayment request is obtained and the prepayment is approved by the company CO, the payment instruction unit 125 pays the user US at least a part of the above remuneration without managing the credit of the user US. Instruct payment (prepayment). The payment instruction unit 125 instructs the user US to pay the invoice amount of the approved invoice in total. However, in reality, the advance payment is offset by the fee collected by the operator OP from the user US, so the net money instructed by the payment instruction unit 125 to be paid corresponds to the sum of the net advance payment amount and the balance. .. Payments may be made at once or on multiple different days. The former example corresponds to the case where there is no balance, and the payment instruction unit 125 instructs the full prepayment. The latter example corresponds to the case where there is a balance, and the payment instruction unit 125 instructs to pay the amount of the prepaid amount first, and instructs the payment of the remaining amount to be paid at a later date.
Specifically, the payment instruction unit 125 instructs the transfer reception device 50 to transfer money for the prepaid amount from the advance account AO to the account (creditor account) associated with the user US. The payment instruction unit 125 instructs the transfer reception device 50 to transfer the remaining amount of money from the advance account AO to the account associated with the user US.

The advance payment requesting unit 126 charges the company CO for the advance payment based on the amount paid to the user US (that is, the prepaid amount + the balance) according to the instruction of the payment instruction unit 125.
The advance payment requesting unit 126 may request the advance payment from the company CO on a regular basis (for example, monthly) or according to the balance of the advance payment. The conditions for claiming the advance payment can be determined by a contract (for example, a business consignment contract) between the company CO and the business operator OP. The advance payment can be added up in units of corporate CO.

The cost billing unit 127 bills the business consignment cost from the company CO to the business operator OP on a regular basis (for example, every month). The billing conditions for the business consignment cost can be determined by a contract (for example, a business consignment contract) between the company CO and the business operator OP.

The input / output interface 13 is configured to acquire a user's instruction from an input device connected to the fund procurement support device 10 and output information to an output device connected to the fund procurement support device 10.
The input device is, for example, a keyboard, a pointing device, a touch screen, a sensor, or a combination thereof.
The output device is, for example, a display, a speaker, or a combination thereof.

The communication interface 14 is configured to control communication between the fund procurement support device 10 and an external device (for example, the orderer terminal 20, the contractor terminal 30, the DB management device 40, and the transfer reception device 50). ..

(1-1-2) Configuration of Ordering Party Terminal and Contractor Terminal The ordering party terminal 20 and the contractor terminal 30 are general-purpose information processing devices such as smartphones, tablets, and PCs (Personal Computers). The ordering party terminal 20 and the contractor terminal 30 each include, for example, a storage device, a processor, an input / output interface, and a communication interface.

(1-2) Database The database of the first embodiment will be described.

(1-2-1) Invoice database The invoice database will be described. The invoice database is stored in the storage device of the DB management device 40. FIG. 3 is a diagram showing a data structure of the invoice database of the first embodiment.

Invoice data is accumulated in the invoice database. As an example, as shown in FIG. 3, each table of the invoice database has an "invoice ID" field, a "contractor ID" field, a "transfer destination" field, an "amount" field, and a "payment date". Includes fields, a Status field, and a Payment Approval field.
The invoice database of FIG. 3 has a table for each company CO (orderer).

The value of the invoice ID is stored in the "invoice ID" field.
In the "Contractor ID" field, the value of the contractor ID that identifies the contractor (user US) of the business related to the invoice identified by the invoice ID is stored.

In the "transfer destination" field, the value of the transfer destination data indicating the transfer destination of the business reward related to the invoice identified by the invoice ID is stored.

In the "Amount" field, the value of the amount data indicating the amount of the reward for the business related to the invoice identified by the invoice ID is stored.

In the "Payment due date" field, the value of the payment due date data indicating the payment due date of the remuneration of the business related to the invoice identified by the invoice ID is stored.

In the "status" field, the value of the status data indicating the status of the workflow of the business related to the invoice identified by the invoice ID is stored.

The "Payment Approval" field stores the value of the payment approval flag indicating whether or not the payment of the business fee for the invoice identified by the invoice ID has been approved by the ordering party (company CO).

(1-2-2) Other Databases A database other than the invoice database (for example, a contractor database) is also stored in the storage device of the DB management device 40.

In the contractor database, information on the debt held by the company CO (for example, the orderer ID) is associated with the ID (for example, the orderer ID) that identifies the company CO (debtor) who has concluded a contract (for example, a business consignment contract) with the business operator OP. , User US (creditor) information) is registered.

(1-3) Funding support processing The financing support processing of the first embodiment will be described. FIG. 4 is a diagram showing the overall flow of the fund procurement support process of the first embodiment. FIG. 5 is a diagram showing an example of an invoice selection screen displayed on the contractor terminal in the fund procurement support process of the first embodiment. FIG. 6 is a diagram showing an example of a desired amount designation screen displayed on the contractor terminal in the fund procurement support process of the first embodiment. FIG. 7 is a diagram showing an example of an inquiry response screen displayed on the ordering party terminal in the fund procurement support process of the first embodiment. FIG. 8 is a diagram showing an example of a payment guidance screen displayed on the contractor terminal in the fund procurement support process of the first embodiment.

As shown in FIG. 4, the user US executes the prepaid request (S130).
Specifically, the user US operates the contractor terminal 30 to activate the fund procurement support application (contractor side).

The contractor terminal 30 displays the invoice selection screen P10 as shown in FIG. 5 in response to the operation of the user US. The invoice selection screen P10 is a user interface for asking the user US to select an invoice on which the prepayment is based. The invoice selection screen P10 organizes and displays the invoice information for each company CO that has ordered the business from the user US. In the ABC company tab T10, an invoice object O10 representing the contents of the invoice related to the business ordered by the user US from ABC company is arranged. The user US checks the check box C10 of the invoice object O10 corresponding to the invoice to be selected. The contractor terminal 30 dynamically calculates the upper limit of the prepaid amount that can be specified by the user US based on the total invoice amount of the selected invoice by a predetermined algorithm, and displays it in the maximum usage amount display field F10. Update the amount. When the user US finishes selecting the invoice, the user US presses the OK button B10. The contractor terminal 30 generates credit identification information (as an example, a list of selected invoice IDs) according to the selection contents of the user US.

The contractor terminal 30 displays the desired amount designation screen P11 as shown in FIG. 6 in response to the pressing of the OK button B10. The desired amount designation screen P11 is a user interface for asking the user US to specify the desired amount to be paid in advance. On the desired amount designation screen P11, number keys K11 for the user US to input the desired amount are arranged. The contractor terminal 30 updates the amount displayed in the desired amount input field F11 in response to the operation of the number key K11 by the user US. When the user US finishes specifying the desired amount, the user US presses the OK button B11. The contractor terminal 30 generates the amount information according to the amount specified by the user US.

As an example, the contractor terminal 30 issues a prepayment request including creditor identification information and amount information, and transmits the prepayment request to the fund procurement support device 10 via the network NW.

After step S130, the funding support device 10 executes the acquisition of the prepayment request (S110).
Specifically, the communication interface 14 receives the prepaid request transmitted in step S130, and the request acquisition unit 121 acquires the received prepaid request.

After step S110, the funding support device 10 executes an inquiry for approval of the prepayment request (S111).
Specifically, the approval inquiry unit 122 inquires the ordering terminal 20 of the company CO, which is the subject of the request, whether or not the claim subject to the prepayment request acquired in step S110 can be prepaid.

After step S111, the enterprise CO performs prepaid approval (S120).
Specifically, the person in charge of the company CO operates the ordering party terminal 20 to start the fund procurement support application (ordering party side).

The ordering party terminal 20 displays the inquiry response screen P12 as shown in FIG. 7 according to the operation of the person in charge of the company CO. The inquiry response screen P12 is a user interface for asking the person in charge of the corporate CO to answer whether or not the prepayment of the claim from the user US is possible. The inquiry response screen P12 organizes and displays the invoices for the business ordered by the company CO by status. Invoice objects O12 representing the contents of the invoice to be inquired by the approval inquiry unit 122 are arranged in the response waiting tab T12. The person in charge of the company CO checks the check box C10 of the invoice object O10 corresponding to the invoice for which the approval or denial is answered. When the person in charge of the company CO finishes selecting the invoice, he / she presses the approval button B12a or the denial button B12b. The invoice object O10 corresponding to the invoice that has already been answered is deleted from the response waiting tab T12.
The ordering party terminal 20 issues an inquiry response according to the content of the response from the person in charge of the company CO, and transmits the inquiry response to the fund procurement support device 10 via the network NW.

After step S120, the funding support device 10 executes the prepaid amount determination (S112).
Specifically, the prepayment amount determination unit 123 determines the prepayment amount based on the amount information included in the prepayment request acquired in step S110 and the inquiry response obtained in step S120.
As an example, when all the invoices selected as the basis of the prepayment request are approved, the prepayment amount determination unit 123 determines the desired usage amount of the user US indicated by the amount information as the prepayment amount. If a part of the invoice selected as the basis of the prepayment request is denied, the prepayment amount determination unit 123 responds to the invoice amount denied from the user US's desired usage amount indicated by the amount information. The amount obtained by subtracting the excess amount is determined as the prepaid amount. The prepayment amount determination unit 123 determines that there is no prepayment amount if all of the invoices selected as the basis for the prepayment request are denied.

After step S112, the fund procurement support device 10 executes the payment guidance notification (S113).
Specifically, the payment guidance notification unit 124 generates information necessary for generating the payment guidance screen, and causes the communication interface 14 to transmit the information to the contractor terminal 30 via the network NW.

After step S113, the user US executes payment guidance confirmation (S131).
Specifically, the contractor terminal 30 displays the payment guidance screen P13 as shown in FIG. 8 in response to an operation from the user US. The payment guide screen P13 shows the approved invoice, the rejected invoice, the total invoice amount related to the approved invoice, the prepayment amount, the fee to the business operator OP, and the net prepayment amount obtained by subtracting the fee from the prepayment amount. Includes information on the payment date of the net prepayment amount, the balance of the total invoice amount for the approved invoice minus the prepayment amount, and the payment date of the remaining amount of money.

After step S113, the fund procurement support device 10 executes the advance payment transfer instruction (S114).
Specifically, the payment instruction unit 125 instructs the transfer reception device 50 to transfer money for the prepayment amount (actually, the net prepayment amount) from the advance account AO to the account associated with the user US.
If there is no prepayment amount, step S114 is omitted.
After step S114 (eg, the same day, or the next business day of the financial institution holding the account associated with User US), User US can receive a down payment (actually, the net down payment) ( S132).

After step S113, the fund procurement support device 10 executes the balance transfer instruction (S115).
Specifically, the payment instruction unit 125 instructs the transfer reception device 50 to transfer the remaining amount of money from the advance account AO to the account associated with the user US.
If there is no balance, step S115 is omitted.
After step S115 (eg, due date for each invoice), User US can receive the balance (S133).

After step S114 and step S115, the funding support device 10 executes the advance payment request (S116).
Specifically, the advance payment requesting unit 126 charges the company CO for the advance payment based on the amount (prepaid amount + balance) paid to the user US in steps S114 and S115.
After step S116, the company CO pays the advance payment (S121).

After step S114 and step S115, the fund procurement support device 10 executes the billing of the business consignment cost (S117).
Specifically, the cost billing unit 127 charges the company CO for the business consignment cost.
After step S117, the company CO pays the business consignment fee (S122).

As described above, the fund procurement support device 10 according to the first embodiment receives a prepayment request for at least a part of the remuneration from the user US who has received an order for business from the company CO contracted with the business operator OP. When the inquiry response to approve the prepayment is obtained from the company CO, the prepayment is transferred from the advance payment account AO to the user US account. Therefore, according to the fund procurement support device 10, since the business operator OP makes a prepayment in response to the approval from the company CO, it is possible to have the user US raise funds without purchasing the accounts receivable. That is, since the business operator OP does not bear the risk caused by the user US, it is not necessary to manage the credit of the user US. On the other hand, according to the fund procurement support service provided by the fund procurement support device 10, the company CO can outsource the remuneration management work of the user US to the business operator OP, so that the man-hours of the work can be reduced. In addition, the company CO can also provide benefits (for example, early financing) to the user US, which is the contractor, by entrusting the payment management business to the business operator OP. As a result, the corporate CO can not only be freed from the burden of payment management, but also be able to enclose excellent contractors or contractors who can handle short delivery times and improve business efficiency.

(2) Second Embodiment The second embodiment will be described.

(2-1) Configuration of Funding Support System The configuration of the financing support system of the second embodiment will be described. FIG. 9 is a block diagram showing the configuration of the fund procurement support system of the second embodiment.

As shown in FIG. 9, the fund procurement support system 2 includes a fund procurement support device 60, an orderer terminal 20, a contractor terminal 30, a DB management device 40, and a transfer reception device 51.

The fund procurement support device 60 is connected to the orderer terminal 20, the contractor terminal 30, and the transfer reception device 51 via a network (for example, the Internet) NW. The fund procurement support device 60 is connected to the DB management device 40.

The transfer reception device 51 is an information processing device (for example, a Web server) associated with the bank BA1 that holds the corporate account (debtor account) AC associated with the corporate CO (debtor). The business operator OP can instruct the bank BA1 to transfer the transfer from the corporate account AC on behalf of the corporate CO by contract with the corporate CO. In the corporate account AC, funds for paying expenses from the corporate CO to the user US are deposited. The transfer reception device 51 receives a transfer instruction from the corporate account AC, and transfers the amount specified by the transfer instruction from the corporate account AC to the transfer destination (for example, the account of the user US) specified by the transfer instruction.

(2-1-1) Configuration of Funding Support Device The configuration of the financing support device of the second embodiment will be described. FIG. 10 is a block diagram showing the configuration of the fund procurement support device of the second embodiment.

As shown in FIG. 10, the fund procurement support device 60 includes a storage device 11, a processor 62, an input / output interface 13, and a communication interface 14.

The processor 62 is configured to realize the function of the financing support device 60 by activating the program stored in the storage device 11. The processor 62 is an example of a computer.

Specifically, the processor 62 functions as a request acquisition unit 121, an approval inquiry unit 122, a prepayment amount determination unit 123, a payment guidance notification unit 124, a payment instruction unit 625, and a cost billing unit 127 by executing a program. do.

When the prepayment request is obtained and the prepayment is approved by the company CO, the payment instruction unit 625 pays the user US at least a part of the above remuneration without managing the credit of the user US. Instruct payment (prepayment). The payment instruction unit 625 instructs the user US to pay the invoice amount of the approved invoice in total. However, in reality, the prepayment is offset by the fee collected by the operator OP from the user US, so the net money instructed by the payment instruction unit 625 to be paid corresponds to the sum of the net prepayment amount and the balance. .. Payments may be made at once or on multiple different days. The former example corresponds to the case where there is no balance, and the payment instruction unit 625 instructs the full amount to be paid in advance. The latter example corresponds to the case where there is a balance, and the payment instruction unit 625 instructs to pay the amount of the prepaid amount first, and instructs to pay the remaining amount of money at a later date.
Specifically, the payment instruction unit 625 instructs the transfer reception device 51 to transfer money for the prepaid amount from the corporate account AC to the account (creditor account) associated with the user US. The payment instruction unit 625 instructs the transfer reception device 51 to transfer the remaining amount of money from the corporate account AC to the account associated with the user US.

(2-2) Funding support processing The financing support processing of the second embodiment will be described. FIG. 11 is a diagram showing an overall flow of the fund procurement support process of the second embodiment.

As shown in FIG. 11, the user US executes the prepaid request (S130).
After step S130, the funding support device 60 executes the acquisition of the prepayment request (S110) and the inquiry for approval of the prepayment request (S111).
After step S111, the enterprise CO performs prepaid approval (S120).

After step S120, the fund procurement support device 60 executes the determination of the prepayment amount (S112) and the notification of payment guidance (S113).
After step S113, the user US executes payment guidance confirmation (S131).

After step S113, the fund procurement support device 60 executes the advance payment transfer instruction (S614).
Specifically, the payment instruction unit 625 instructs the transfer reception device 51 to transfer money for the prepayment amount (actually, the net prepayment amount) from the corporate account AC to the account associated with the user US.
If there is no prepayment amount, step S614 is omitted.
After step S614 (eg, the same day, or the next business day of the financial institution holding the account associated with User US), User US can receive a down payment (actually, the net down payment) (in fact, the net upfront money) ( S132).

After step S113, the fund procurement support device 60 executes the balance transfer instruction (S615).
Specifically, the payment instruction unit 625 instructs the transfer reception device 51 to transfer the remaining amount of money from the corporate account AC to the account associated with the user US.
If there is no balance, step S615 is omitted.
After step S615 (eg, due date for each invoice), User US can receive the balance (S133).

Since the balance of the corporate account AC is reduced by step S614 and step S615, the corporate CO needs to manage the balance of the corporate account AC (S621) as appropriate. The balance management may be performed by a human being, or may be performed by, for example, an auto charge function or a withdrawal from another account.

After step S614 and step S615, the fund procurement support device 60 executes the billing of the business consignment cost (S117).
After step S117, the company CO pays the business consignment fee (S122).

As described above, the fund procurement support device 60 according to the second embodiment receives a prepayment request for at least a part of the remuneration from the user US who has received an order for business from the company CO contracted with the business operator OP. When the inquiry response to approve the prepayment is obtained from the company CO, the prepayment is transferred from the company account AC to the user US account. Therefore, according to the fund procurement support device 60, since the business operator OP makes a prepayment in response to the approval from the company CO, it is possible to have the user US raise funds without purchasing the accounts receivable. That is, since the business operator OP does not bear the risk caused by the user US, it is not necessary to manage the credit of the user US. Further, since the advance payment to the user US is realized by the funds deposited in the corporate account AC, the business operator OP does not bear the risk caused by the corporate CO. On the other hand, according to the fund procurement support service provided by the fund procurement support device 60, the company CO can outsource the remuneration management work of the user US to the business operator OP, so that the man-hours of the work can be reduced. In addition, the company CO can also provide benefits (for example, early financing) to the user US, which is the contractor, by entrusting the payment management business to the business operator OP. As a result, the corporate CO can not only be freed from the burden of payment management, but also be able to enclose excellent contractors or contractors who can handle short delivery times and improve business efficiency.

(3) Third Embodiment The third embodiment will be described.

(3-1) Configuration of Funding Support System The configuration of the financing support system of the third embodiment will be described. FIG. 12 is a block diagram showing the configuration of the fund procurement support system of the third embodiment.

As shown in FIG. 12, the fund procurement support system 3 includes a fund procurement support device 70, an orderer terminal 20, a contractor terminal 30, a DB management device 40, a transfer reception device 50, and a card processing reception device 80. And.

The fund procurement support device 70 is connected to the orderer terminal 20, the contractor terminal 30, and the card processing reception device 80 via a network (for example, the Internet) NW. The fund procurement support device 70 is connected to the DB management device 40.

The card processing reception device 80 is a credit card company CR that issues a corporate card CC, which is a credit card associated with a corporate CO (debtor), or a settlement agent that mediates between the credit card company CR and the corporate CO. An information processing device (eg, a Web server) associated with a company. The card processing receiving device 80 accepts card processing (for example, at least one of billing, provisional billing, and validity confirmation) addressed to a credit card (for example, corporate card CC) issued by the credit card company CR.

(3-1-1) Configuration of Funding Support Device The configuration of the financing support device of the third embodiment will be described. FIG. 13 is a block diagram showing the configuration of the fund procurement support device of the third embodiment.

As shown in FIG. 13, the fund procurement support device 70 includes a storage device 11, a processor 72, an input / output interface 13, and a communication interface 14.

The processor 72 is configured to realize the function of the financing support device 70 by activating the program stored in the storage device 11. The processor 72 is an example of a computer.

Specifically, the processor 72 executes a program to execute a request acquisition unit 121, an approval inquiry unit 122, a prepayment amount determination unit 123, a payment guidance notification unit 724, a payment instruction unit 725, a cost billing unit 127, and a card. It functions as a processing unit 728.

The payment guidance notification unit 724 notifies the user US of the payment guidance when the prepayment is approved by the company CO and the card processing addressed to the company card CC by the card processing unit 728 described later is successful. Information subject to payment guidance includes, for example, approved invoices, denied invoices, total invoice amounts related to approved invoices, prepayment amount, fee to business operator OP, and fee from prepayment amount. At least information on the deducted net prepayment amount, the payment date of the net prepayment amount, the balance of the total invoice amount for the approved invoice minus the above prepayment amount, and the payment date of the remaining amount of money. One can be included.
As an example, the payment guidance notification unit 724 notifies the contractor terminal 30 of information necessary for the contractor terminal 30 to generate a payment guidance screen described later.

When the prepayment request is obtained, the prepayment is approved by the company CO, and the billing to the company card CC is successful, the payment instruction unit 725 pays the user US the above-mentioned reward without performing credit management of the user US. Instruct to pay at least a part of the money (prepayment). When the prepayment is approved by the company CO and the card processing addressed to the company card CC is successful, the payment instruction unit 725 instructs the user US to pay the total amount of money for the invoice for the approved invoice. do. However, in reality, the advance payment is offset by the fee collected by the operator OP from the user US, so the net money instructed by the payment instruction unit 725 to be paid corresponds to the sum of the net advance payment and the balance. .. Payments may be made at once or on multiple different days. The former example corresponds to the case where there is no balance, and the payment instruction unit 725 instructs the full prepayment. The latter example corresponds to the case where there is a balance, and the payment instruction unit 725 instructs to pay the amount of the prepaid amount first, and instructs the payment of the remaining amount to be paid at a later date.
Specifically, the payment instruction unit 725 instructs the transfer reception device 50 to transfer money for the prepaid amount from the advance account AO to the account (creditor account) associated with the user US. The payment instruction unit 725 instructs the transfer reception device 50 to transfer the remaining amount of money from the advance account AO to the account associated with the user US.

The card processing unit 728 performs card processing to the company card CC when the prepayment is approved by the company CO.
Specifically, the card processing includes confirmation of the validity of the corporate card CC, billing of the billing amount related to the approved invoice (that is, the amount equivalent to the user US reward), and provisional billing of the billing amount. At least one of them is included. Temporary billing means securing a credit line for corporate card CC. Even if the card processing performed before the invoice is executed does not include billing (for example, if only validation, provisional billing, or a combination thereof is performed), the card processing unit 728 is used to collect the advance payment. The billing amount for the approved invoice may be billed after the fact.

(3-2) Funding Support Processing The financing support processing of the third embodiment will be described. FIG. 14 is a diagram showing the overall flow of the fund procurement support process of the third embodiment.

As shown in FIG. 14, the user US executes the prepaid request (S130).
After step S130, the funding support device 70 executes the acquisition of the prepayment request (S110) and the inquiry for approval of the prepayment request (S111).

After step S111, the enterprise CO performs prepaid approval (S120).
After step S120, the funding support device 70 executes the prepaid amount determination (S112).

After step S120, the funding support device 70 performs card processing (S718).
Specifically, the card processing unit 728 confirms the validity of the card processing receiving device 80, and charges or provisionally charges the invoice amount approved in step S120.

After step S112 and step S718, the funding support device 70 executes the payment guidance notification (S713).
Specifically, the payment guidance notification unit 724 generates information necessary for generating the payment guidance screen, and causes the communication interface 14 to transmit the information to the contractor terminal 30 via the network NW.

After step S713, the user US executes payment guidance confirmation (S131).

After step S718 and step S713, the funding support device 70 executes a prepayment transfer instruction (S714).
Specifically, the payment instruction unit 725 instructs the transfer reception device 50 to transfer money for the prepaid amount (actually, the net prepaid amount) from the advance account AO to the account associated with the user US.
If there is no prepayment amount, step S714 is omitted.
After step S714 (eg, the same day, or the next business day of the financial institution holding the account associated with User US), User US can receive a down payment (actually, the net down payment) (in fact, the net upfront money) ( S132).

After step S713, the fund procurement support device 70 executes the balance transfer instruction (S715).
Specifically, the payment instruction unit 725 instructs the transfer reception device 50 to transfer the remaining amount of money from the advance account AO to the account associated with the user US.
If there is no balance, step S715 is omitted.
After step S715 (eg, due date for each invoice), User US can receive the balance (S133).

When the card processing in step S718 includes billing, the amount subject to the billing is added to the corporate CO at a later date by the credit card company CR (or the settlement agency) with the other payment amounts addressed to the corporate card CC. The company CO needs to make a payment (S721) to the credit card company CR (or a settlement agency), for example, by direct debit.

After step S714 and step S715, the fund procurement support device 70 executes the billing of the business consignment cost (S117).
After step S117, the company CO pays the business consignment fee (S122).

As described above, the fund procurement support device 70 according to the third embodiment receives a prepayment request for at least a part of the remuneration from the user US who has received an order for business from the company CO contracted with the business operator OP. When the inquiry response to approve the prepayment is obtained from the company CO, the amount equivalent to the remuneration is charged to the company card CC. The fund procurement support device 70 transfers the advance payment from the advance payment account AO to the user US account when the card processing addressed to the corporate card CC is successful. Therefore, according to the fund procurement support device 70, since the business operator OP makes a prepayment in response to the approval from the company CO, it is possible to have the user US raise funds without purchasing the accounts receivable. That is, since the business operator OP does not bear the risk caused by the user US, it is not necessary to manage the credit of the user US. In addition, when provisionally billing or billing is performed as card processing, the business operator OP secures in advance the source of money to be paid to the user US on behalf of the corporate CO by the settlement of the corporate card CC, so that the business operator OP , No risk caused by corporate CO. On the other hand, according to the fund procurement support service provided by the fund procurement support device 70, the company CO can outsource the remuneration management work of the user US to the business operator OP, so that the man-hours of the work can be reduced. In addition, the company CO can also provide benefits (for example, early financing) to the user US, which is the contractor, by entrusting the payment management business to the business operator OP. As a result, the corporate CO can not only be freed from the burden of payment management, but also be able to enclose excellent contractors or contractors who can handle short delivery times and improve business efficiency.

(4) Modification Example A modification of the embodiment will be described.

A modified example is an example in which the user US (creditor) specifies the prepayment amount after the company CO (debtor) approves the prepayment.

The fund-raising support device according to the modified example is different from the fund-raising support device 10, the fund-raising support device 60, or the fund-raising support device 70 in the following points.
The fund procurement support device according to the modified example includes a prepayment amount inquiry unit that inquires the user US of the prepayment amount when the prepayment is approved by the company CO.
The fund procurement support device according to the modified example has a payment instruction unit 125, a payment instruction unit 625, or a payment instruction unit 725 based on the prepayment amount inquired by the prepayment amount inquiry unit instead of the prepayment amount determination unit 123 described above. It is provided with a prepaid amount determination unit that determines the amount of money (for example, money) to be prepaid according to the instruction of.

According to the fund procurement support device of the modified example, the prepayment amount can be inquired to the user US in the state where the prepayment possible limit is fixed. Therefore, the actual prepayment amount can be determined by the prepayment amount requested by the user US. Further, since the interval from the designation of the advance payment amount by the user US to the transfer of the advance payment is shorter than that of the embodiment, it is easy to respond to short-term fluctuations in the fund demand of the user US.

(5) Other Modifications Even if the storage device 11, the storage device 61, or the storage device 71 is connected to the fund procurement support device 10, the fund procurement support device 60, or the fund procurement support device 70 via the network NW. good.

In the description of the embodiment, it is decided that the database (for example, the invoice database) is managed by the DB management device 40. However, the database may be stored in the storage device 11, the storage device 61, or the storage device 71, and may be managed by the fund procurement support device 10, the fund procurement support device 60, or the fund procurement support device 70.

In the description of the embodiment, the business operator OP has described an example of collecting a fee from the user US. The operator OP may return at least a part of the collected fee to the enterprise CO. In this case, the fund procurement support device 10, the fund procurement support device 60, or the fund procurement support device 70 includes a fee return unit that returns at least a part of the collected fee to the company CO. The commission return department may return the fee by offsetting it with the business consignment cost, or may return the fee after collecting the business consignment cost.

In the description of the embodiment, the contractor requires the orderer to pay at least a part of the remuneration in advance based on the right (credit) of the contractor to receive the remuneration from the orderer for the performance of the business in the future. An example was explained. However, the embodiment is applicable not only to such receivables but also to all receivables held by creditors.

In the description of the embodiment, an example is shown in which the contractor specifies the desired amount of prepayment. However, the prepaid amount may be preset to be the sum of the invoiced amounts for the approved invoice. As a result, the contractor can save the trouble of specifying the desired amount to be paid in advance.

In the description of the embodiment, an example is shown in which the contractor specifies an invoice on which the prepayment request is based. However, the contractor may be able to select, for example, a setting in which an invoice with a status of completed is automatically specified. This saves the contractor the trouble of specifying the invoice on which the prepayment request is based.

In the description of the embodiment, an example is shown in which the contractor specifies an invoice on which the prepayment request is based. Generally, the invoice is issued after the work is completed. However, the contractor may be able to specify a progress report as the basis for the prepayment request. On the other hand, the ordering party may be able to select partial prepaid approval (for example, approval of 50% of the remuneration) for the progress report. This allows the contractor to raise funds more quickly.

In the description of the embodiment, an example is shown in which the ordering party approves the prepayment in response to the prepayment request from the contractor. However, the ordering party may be able to specify an invoice that approves the prepayment regardless of whether or not there is a prepayment request from the contractor. Alternatively, the ordering party may be able to select, for example, a setting that automatically approves prepayment for invoices with a status of business completion. That is, the order of the prepayment request for the claim from the creditor and the response to the prepayment availability inquiry for the claim from the obligor may be reversed from the description of the embodiment. This saves the ordering party from having to respond to inquiries about prepaid requests from the contractor one by one.

The fund raising support device may include a claim data creation unit that creates claim data (for example, invoice data) related to claims based on the operation contents of the creditor terminal or the debtor terminal. As an example, the credit data creation unit may create invoice data based on the input contents of the user US or the company CO for the invoice issuing UI displayed on the screen of the contractor terminal 30 or the orderer terminal 20. , User US or Company CO may create invoice data based on the contents of the invoice file uploaded. The approval inquiry unit 122 may inquire of the obligor whether or not the prepayment is possible in response to the creation of the claim data. The fund procurement support device may further include a bond data registration unit that registers the created bond data in a bond database (for example, an invoice database). The approval inquiry unit 122 may inquire of the obligor whether or not the prepayment is possible in response to the fact that the claim data is registered in the claim database.

In the description of the embodiment, an example of paying money for the prepaid amount has been described. However, instead of the money equivalent to the prepaid amount, a considerable amount of other money (for example, electronic money, virtual currency, or corporate currency (so-called points)) may be paid, or money and other money may be combined. You may pay.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited to the above embodiments. Further, the above-described embodiment can be improved or modified in various ways without departing from the spirit of the present invention. Moreover, the above-described embodiment and modification can be combined.

(6) Addendum The matters described in the embodiment are added below.

(Appendix 1)
With the Request Acquisition Department (121), which obtains at least a portion of the prepayment request for money from the creditor terminal (30) associated with the creditor (US) who has a claim to receive money from the debtor (CO) in the future. ,
An approval inquiry unit (122) that inquires the debtor terminal (20) associated with the debtor whether or not to pay in advance for the claim, and
With the Payment Instructor (125,625,725), which instructs the creditor to pay at least a portion of the money when the prepayment request is obtained and the debtor approves the prepayment for the claim. Funding support device (10, 60, 70).

(Appendix 2)
When a prepayment request is obtained and the debtor approves the prepayment of the claim, the payment instruction department will give the creditor at least a portion of the money without managing the credit of the creditor. The fund procurement support device according to Appendix 1, which instructs payment.

(Appendix 3)
The Approval Inquiry Department refers to the database in which the creditor's information is registered in association with the debtor's identification information, and inquires the debtor's terminal whether or not to make a prepayment for the debt. Support device.

(Appendix 4)
It also has a claim data creation unit that creates claim data related to claims based on the operation details for at least one of the debtor terminal and the creditor terminal.
In response to the creation of the claim data, the Approval Inquiry Department inquires the debtor terminal whether or not the claim can be prepaid.
The fund procurement support device according to any one of Appendix 1 to Appendix 3.

(Appendix 5)
The prepayment request contains claim identification information that identifies the claim selected by the creditor as the basis for the prepayment request to the debtor.
The Approval Inquiry Department inquires the debtor terminal whether or not to make a prepayment based on the claim identified by the claim identification information.
The fund procurement support device according to any one of Appendix 1 to Appendix 4.

(Appendix 6)
The prepayment request contains monetary information that specifies the amount of money the creditor requires prepayment.
The fund procurement support device further includes a prepayment amount determination unit (123) that determines the amount of money to be prepaid according to the instructions of the payment instruction unit based on the amount information and the inquiry result regarding the availability of prepayment for the claim.
The fund procurement support device according to any one of Appendix 1 to Appendix 5.

(Appendix 7)
When a prepayment request is obtained and the debtor approves the prepayment for the claim, the prepayment amount inquiry department that inquires the prepayment amount requesting the prepayment from the creditor,
The fund procurement support device according to any one of Appendix 1 to Appendix 5, further comprising a prepayment amount determination unit that determines the amount of money to be prepaid according to the instruction of the payment instruction unit based on the prepayment amount.

(Appendix 8)
The payment instruction unit (125) sends the transfer receiving device (50), which receives the transfer instruction from the predetermined replacement account (AO), to at least a part of the money from the replacement account to the creditor account associated with the creditor. Instruct the transfer and
The fund procurement support device further includes an advance payment requesting unit (126) that charges the obligor for an advance payment based on the amount paid to the creditor by the instruction of the payment instruction unit.
The fund procurement support device (10) according to any one of Supplementary note 1 to Supplementary note 7.

(Appendix 9)
The payment instruction unit (625) sends at least the money from the debtor account to the creditor account associated with the creditor to the transfer reception device (51) that receives the transfer instruction from the debtor account (AC) associated with the debtor. Order some transfers,
The fund procurement support device (60) according to any one of Supplementary note 1 to Supplementary note 7.

(Appendix 10)
If a prepayment request is obtained and the debtor approves the prepayment for the claim, the card processing will include at least one of billing, provisional billing, and validation to the credit card (CC) associated with the debtor. Further equipped with a card processing unit (728) to perform
The payment instruction unit (725) associates the transfer account with the creditor to the transfer reception device (50) that accepts the transfer instruction from the predetermined advance account (AO) when the card processing to the credit card is successful. Direct the transfer of at least a portion of the money to the creditor's account
The fund procurement support device (70) according to any one of Supplementary note 1 to Supplementary note 7.

(Appendix 11)
A claim is a fund procurement support device according to any one of Appendix 1 to Appendix 10, which is the right of the creditor to receive payment of compensation for the performance of the business ordered from the debtor in the future.

(Appendix 12)
It also has a fee-returning department that returns at least part of the fees collected from creditors to debtors.
The fund procurement support device according to any one of Supplementary note 1 to Supplementary note 11.

(Appendix 13)
Computers (10, 60, 70)
Obtaining a prepayment request for at least a portion of the money from the creditor terminal (30) associated with the creditor (US) who has a claim to receive money from the debtor (CO) in the future (S110).
Inquiring the debtor terminal (20) associated with the debtor whether or not the claim can be prepaid (S111), and
When a prepayment request is obtained and the debtor approves the prepayment of the claim, the creditor is instructed to pay at least a part of the money (S114, S614, S714). How to support financing.

(Appendix 14)
Computers (10, 60, 70),
A means of obtaining a prepayment request for at least a portion of money from a creditor terminal (30) associated with a creditor (US) who has a claim to receive money from the debtor (CO) in the future (S110),
A means of inquiring the debtor terminal (20) associated with the debtor for approval of prepayment regarding the claim (S111),
Means for instructing a creditor to pay at least a portion of money when a prepayment request is obtained and the debtor approves the prepayment for the claim (S114, S614, S714).
Funding support program to function as.

(Appendix 15)
A fund procurement support system including the fund procurement support device according to any one of Supplementary note 1 to Supplementary note 12.

1: Funding support system 2: Funding support system 3: Funding support system 10: Funding support device 11: Storage device 12: Processor 13: Input / output interface 14: Communication interface 20: Ordering party terminal 30: Contractor terminal 40: DB management device 50: Transfer reception device 51: Transfer reception device 60: Funding support device 61: Storage device 62: Processor 70: Funding support device 71: Storage device 72: Processor 80: Card processing reception device 121: Request Acquisition unit 122: Approval inquiry unit 123: Prepaid amount determination unit 124: Payment guidance notification unit 125: Payment instruction unit 126: Advance payment request unit 127: Expense billing unit 625: Payment instruction unit 724: Payment guidance notification unit 725: Payment instruction Unit 728: Card processing unit

Claims (15)

A request acquisition unit that acquires a prepayment request for at least a part of the money from a creditor terminal associated with a creditor who has a claim to be paid money from the debtor in the future.
An approval inquiry unit that inquires the obligor terminal associated with the obligor whether or not to pay in advance for the claim,
Provided with a payment instruction unit that instructs the creditor to pay money equivalent to at least a part of the money when the prepayment request is obtained and the prepayment for the claim is approved by the debtor. Funding support device. When the prepayment request is acquired and the prepayment for the claim is approved by the debtor, the payment instruction unit does not manage the credit of the creditor and at least of the money to the creditor. The fund-raising support device according to claim 1, which instructs the payment of a portion of money. The approval inquiry unit refers to a database in which the information of the creditor is registered in association with the identification information of the debtor, and inquires the debtor terminal whether or not to pay in advance for the claim, claim 1 or claim. The financing support device according to item 2. Further provided is a claim data creation unit that creates claim data related to the claim based on the operation contents for at least one of the debtor terminal and the creditor terminal.
In response to the creation of the claim data, the approval inquiry unit inquires the obligor terminal of whether or not the claim can be prepaid.
The fund procurement support device according to any one of claims 1 to 3. The prepayment request includes claim identification information that identifies the claim selected by the creditor as the basis for the prepayment request to the debtor.
The approval inquiry unit inquires the obligor terminal whether or not the prepayment is possible based on the claim identified by the claim identification information.
The fund procurement support device according to any one of claims 1 to 4. The prepayment request includes amount information that specifies the amount of money that the creditor requests prepayment.
The fund procurement support device further includes a prepayment amount determination unit that determines the amount of money to be prepaid according to the instruction of the payment instruction unit based on the amount information and the inquiry result regarding the availability of prepayment for the claim.
The fund procurement support device according to any one of claims 1 to 5. When the prepayment request is obtained and the prepayment for the claim is approved by the debtor, the prepayment amount inquiry unit that inquires the prepayment amount for requesting the prepayment from the creditor, and
The fund procurement support device according to any one of claims 1 to 5, further comprising a prepaid amount determination unit that determines the amount of money to be prepaid according to the instruction of the payment instruction unit based on the prepaid amount. The payment instruction unit instructs a transfer receiving device that receives a transfer instruction from a predetermined advance account to transfer at least a part of the money from the advance account to the creditor account associated with the creditor.
The fund procurement support device further includes an advance payment claiming unit that charges the obligor for an advance payment based on the amount paid to the creditor according to the instruction of the payment instruction unit.
The fund procurement support device according to any one of claims 1 to 7. The payment instruction unit transfers at least a part of the money from the debtor account to the creditor account associated with the creditor to a transfer reception device that receives a transfer instruction from the debtor account associated with the debtor. To direct,
The fund procurement support device according to any one of claims 1 to 7. Card processing that includes at least one of billing, provisional billing, and validation to the credit card associated with the debtor when the prepayment request is obtained and the debtor approves the prepayment for the claim. It is further equipped with a card processing unit that performs
When the card processing addressed to the credit card is successful, the payment instruction unit sends the transfer reception device that receives the transfer instruction from the predetermined advance account to the creditor account associated with the creditor from the advance account. Order the transfer of at least a portion of the money
The fund procurement support device according to any one of claims 1 to 7. The financing support device according to any one of claims 1 to 10, wherein the creditor has the right to receive payment of a reward for performing the business ordered from the debtor in the future. A fee-returning unit for returning at least a part of the fee collected from the creditor to the debtor is further provided.
The fund procurement support device according to any one of claims 1 to 11. The computer
Obtaining a prepayment request for at least a portion of the money from a creditor terminal associated with a creditor who has a claim that will be paid by the debtor in the future.
Inquiring the debtor terminal associated with the debtor whether or not to pay in advance for the claim,
It comprises instructing the creditor to pay at least a portion of the money when the prepayment request is obtained and the debtor approves the prepayment for the claim. Financing support method. Computer,
A means of obtaining a prepayment request for at least a portion of the money from a creditor terminal associated with a creditor who has a claim to be paid in the future by the debtor.
A means of inquiring the obligor terminal associated with the obligor for prepayment approval for the claim,
To function as a means for instructing the creditor to pay at least a portion of the money when the prepayment request is obtained and the debtor approves the prepayment for the claim. , Financing support program. A fund procurement support system including the fund procurement support device according to any one of claims 1 to 12.

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