JP2023162584A - Program, method and information processing device - Google Patents

Abstract

To provide a program capable of reserving a financial institution account opening with a corporation name without establishment completion from written contents related to corporation registration inputted when a company is established, a method and an information processing device.SOLUTION: In an account opening support system in which a terminal device, a server and a financial institution server area mutually connected through a network in a communicable manner, a program to be executed by a server being a computer provided with a processor executes the steps of: acquiring articles of incorporation data at time of corporation registration application for the processor; applying to the financial institution server to open an account in the financial institution on the basis of the acquired articles of incorporation data; instructing the financial institution server applying the account opening to examine the account opening; and notifying a user of an examination result of the account opening transmitted from the financial institution server.SELECTED DRAWING: Figure 5

Description

The present disclosure relates to a program, a method, and an information processing device.

After establishing a company, it takes a considerable amount of time to open a financial institution account in the corporate name, which is a hurdle when starting a business. Specifically, in the case of a business that requires permission and approval, a corporate account is necessary in order to obtain business approval or obtain loan screening results, but if the procedures for opening a corporate account do not progress, psychological It becomes stressful.

Patent Document 1 describes a technology that reduces the debt of the ordering company and improves its financial condition by providing a mechanism for buying and selling electronically recorded monetary claims between the ordering company and the factoring company in bulk factoring transactions using electronically recorded monetary claims. is disclosed.

JP 2017-010299 Publication

The technique of Patent Document 1 describes that, in bulk factoring transactions using electronically recorded monetary claims, when creating accounting data etc. based on information on a company ordering factoring, the registered matters of the company are referred to. However, Patent Document 1 is a technology that refers to registered matters, corporate account information, etc. as reference information when creating accounting data after a corporation is established, and if the corporation has not yet been established, the account information Procedures such as opening a business may become complicated.

Therefore, the present disclosure provides a system that allows reservations to be made for opening a financial institution account in the name of a corporation whose establishment has not yet been completed, based on the information entered regarding corporate registration at the time of company establishment.

According to an embodiment of the present disclosure, there is provided a program executed by a computer including a processor, the program including the steps of: acquiring articles of incorporation data at the time of company incorporation; step of applying to the financial institution's server for account opening at A program is provided for performing the steps of notifying a user of the results.

According to the present disclosure, it is possible to make a reservation for opening an account at a financial institution in the name of a corporation whose establishment has not yet been completed, based on the information entered regarding corporate registration at the time of company establishment.

1 is a diagram showing the overall configuration of an account opening support system 1 according to a first embodiment; FIG. 1 is a block diagram showing a functional configuration of a terminal device 10 that constitutes an account opening support system 1 according to the first embodiment. FIG. 2 is a diagram showing a functional configuration of a server 20 that constitutes the account opening support system 1 of the first embodiment. FIG. 2 is a diagram illustrating an example of a data structure of a user information database 2021 and an articles of incorporation information database 2022 stored in the server 20 that constitutes the account opening support system 1 of the first embodiment. FIG. 2 is a flowchart illustrating an example of processing related to opening a corporate account by the account opening support system 1 of the first embodiment. FIG. 6 is a diagram showing an example of a screen when inputting necessary information for opening a corporate account in the account opening support system 1. FIG. 7 is a diagram showing an example of a screen when inputting necessary items when creating electronic articles of incorporation in the account opening support system 1.

Embodiments of the present disclosure will be described below with reference to the drawings. In the following description, the same parts are given the same reference numerals. Their names and functions are also the same. Therefore, detailed description thereof will not be repeated.

<Summary>
The account opening support system according to the present disclosure will be described below. This account opening support system provides users who wish to open a corporate account with various opening-related information (how to create a notification of incorporation when establishing a corporation, how to create documents related to opening a corporate account, etc.). , is a system for providing a service of providing electronic articles of incorporation data to a banking system for opening a corporate account after receiving necessary information from the user. Recently, more and more corporations are being established through electronic procedures. However, although it was possible to establish a corporation through web services, it was necessary to open a corporate account after the corporation was established, and it was necessary to go to various financial institutions and complete the opening procedures. Therefore, there is a need for a service that allows businesses to apply for a corporate account without going to a financial institution, even before the establishment of the corporation. Therefore, in this disclosure, in a system for supporting account opening, we have developed a technology that allows reservations to be made for opening a financial institution account in the name of a corporation that has not yet been established, based on the information entered regarding corporate registration at the time of company establishment. provide.

Therefore, the program in the account opening support system according to the present disclosure is a program executed by a computer equipped with a processor, and the program includes steps for the processor to acquire articles of incorporation data at the time of application for corporate registration, and the acquired articles of incorporation data. Based on the above, there are two steps: applying to the financial institution's server to open an account at the financial institution; sending an application instruction to the financial institution's server for account opening review; and notifying the user of the result of the account opening examination.

<First embodiment>
The account opening support system 1 according to the first embodiment will be described below. In the following description, for example, when the terminal device 10 accesses the server 20, the server 20 responds with information for generating a screen on the terminal device 10. The terminal device 10 generates and displays a screen based on the information received from the server 20.

<1 Overall configuration of account opening support system 1>
FIG. 1 is a diagram showing the overall configuration of an account opening support system 1 according to the first embodiment. As shown in FIG. 1, the account opening support system 1 includes a plurality of terminal devices (in FIG. 1, a terminal device 10A and a terminal device 10B are shown. Hereinafter, they may also be collectively referred to as "terminal devices 10"). , a server 20, and a financial institution server 30. Note that the hardware configuration and functional configuration of the financial institution server may be the same as those of the server 20, and are not illustrated here. The terminal device 10, the server 20, and the financial institution server 30 are connected via a network 80 so that they can communicate with each other. The network 80 is configured by a wired or wireless network.

The terminal device 10 is a device operated by each user. Here, the user is a person who uses the terminal device 10 to input a series of information related to the opening of a corporate account at a financial institution, etc., which is a function of the account opening support system 1. ). The terminal device 10 is realized by a stationary PC (Personal Computer), a laptop PC, or the like. In addition, the terminal device 10 may be, for example, a tablet compatible with a mobile communication system or a mobile terminal such as a smartphone.

The terminal device 10 is communicably connected to the server 20 via the network 80. The terminal device 10 is a wireless base station 81 compatible with communication standards such as 4G, 5G, and LTE (Long Term Evolution), and a wireless LAN (Local Area Network) standard such as IEEE (Institute of Electrical and Electronics Engineers) 802.11. It is connected to the network 80 by communicating with a corresponding communication device such as a wireless LAN router 82. As shown as a terminal device 10B in FIG. 1, the terminal device 10 includes a communication IF (Interface) 12, an input device 13, an output device 14, a memory 15, a storage section 16, and a processor 19.

The communication IF 12 is an interface for inputting and outputting signals so that the terminal device 10 communicates with an external device such as the server 20. The input device 13 is an input device (for example, a keyboard, a touch panel, a touch pad, a pointing device such as a mouse, etc.) for receiving input operations from a user. The output device 14 is an output device (display, speaker, etc.) for presenting information to the user. The memory 15 is for temporarily storing programs and data processed by the programs, and is a volatile memory such as DRAM (Dynamic Random Access Memory). The storage unit 16 is a storage device for storing data, and is, for example, a flash memory or an HDD (Hard Disc Drive). The processor 19 is hardware for executing a set of instructions written in a program, and is composed of an arithmetic unit, registers, peripheral circuits, and the like.

The server 20 is a device that manages a series of processes related to corporate account opening support. The server 20 registers user information, information on articles of incorporation data used for opening a corporate account, etc. in the storage unit, and acquires necessary user information from the various information registered in the storage unit. The server 20 performs a series of processes related to corporate account opening support based on the acquired user information.

Server 20 is a computer connected to network 80. The server 20 includes a communication IF 22 , an input/output IF 23 , a memory 25 , a storage 26 , and a processor 29 .

The communication IF 22 is an interface for inputting and outputting signals so that the server 20 communicates with external devices. The input/output IF 23 functions as an interface with an input device (not shown) for receiving input operations from the user and an output device (not shown) for presenting information to the user. The memory 25 is for temporarily storing programs and data processed by the programs, and is a volatile memory such as DRAM (Dynamic Random Access Memory). The storage 26 is a storage device for storing data, and is, for example, a flash memory or an HDD (Hard Disc Drive). The processor 29 is hardware for executing a set of instructions written in a program, and is composed of an arithmetic unit, registers, peripheral circuits, and the like.

<1.1 Configuration of terminal device 10>
FIG. 2 is a block diagram showing the functional configuration of the terminal device 10 that constitutes the account opening support system 1 of the first embodiment. As shown in FIG. 2, the terminal device 10 includes a plurality of antennas (an antenna 111, an antenna 112), a wireless communication section (a first wireless communication section 121, a second wireless communication section 122) corresponding to each antenna, and an operation It includes a reception section 130 (including a keyboard 1301 and a mouse 1302), a display 150, a storage section 170, and a control section 180. The terminal device 10 also has functions and configurations that are not particularly illustrated in FIG. 2 (for example, a battery for holding power, a power supply circuit that controls the supply of power from the battery to each circuit, etc.). As shown in FIG. 2, each block included in the terminal device 10 is electrically connected by a bus or the like.

The antenna 111 radiates a signal emitted by the terminal device 10 as a radio wave. Further, the antenna 111 receives radio waves from space and provides a received signal to the first wireless communication unit 121.

The antenna 112 radiates a signal emitted by the terminal device 10 as a radio wave. Further, the antenna 112 receives radio waves from space and provides a received signal to the second wireless communication unit 122.

The first wireless communication unit 121 performs modulation and demodulation processing for transmitting and receiving signals via the antenna 111 so that the terminal device 10 communicates with other wireless devices. The second wireless communication unit 122 performs modulation and demodulation processing for transmitting and receiving signals via the antenna 112 so that the terminal device 10 communicates with other wireless devices. The first wireless communication unit 121 and the second wireless communication unit 122 are communication modules including a tuner, an RSSI (Received Signal Strength Indicator) calculation circuit, a CRC (Cyclic Redundancy Check) calculation circuit, a high frequency circuit, and the like. The first wireless communication unit 121 and the second wireless communication unit 122 perform modulation/demodulation and frequency conversion of wireless signals transmitted and received by the terminal device 10 and provide received signals to the control unit 180.

The operation reception unit 130 has a mechanism for accepting user input operations. Specifically, the operation reception unit 130 includes a keyboard 1301 and a mouse 1302.

The keyboard 1301 receives input operations from the user of the terminal device 10 . The keyboard 1301 is a device for inputting characters, and outputs input character information to the control unit 180 as an input signal.

The mouse 1302 receives input operations from the user of the terminal device 10 . The mouse 1302 is a pointing device for selecting an object displayed on the display 150, and uses information about a selected position on the screen and information indicating that a button is pressed as input signals to the control unit. Output to 180.

The display 150 displays data such as images, videos, and text under the control of the control unit 180. The display 132 is realized by, for example, an LCD (Liquid Crystal Display) or an organic EL (Electro-Luminescence) display. Note that the display 150 is a touch screen that detects the position of the user's touch on the touch panel by using, for example, a capacitive touch panel, and may be configured to include functions such as the above-mentioned keyboard.

The storage unit 170 includes a memory 15 such as a flash memory, and a storage unit 16, and stores data and programs used by the terminal device 10. In one aspect, storage unit 170 stores user information 1701.

The control unit 180 is configured by the processor 19, for example, and controls the operation of the terminal device 10 by reading a program stored in the storage unit 170 and executing instructions included in the program. The control unit 180 operates according to a program, which is an application installed in the terminal device 10 in advance (stored in the storage unit 170), for example, to control the input operation reception unit 1801, the transmission/reception unit 1802, and the data processing unit. 1803 and functions as a notification control unit 1804.

The input operation reception unit 1801 performs a process of accepting a user's input operation on an input device such as the keyboard 1301.

The transmitting/receiving unit 1802 performs processing for the terminal device 10 to transmit and receive data with an external device such as the server 20 according to a communication protocol.

The data processing unit 1803 performs calculations on the data input by the terminal device 10 according to a program, and outputs the calculation results to a memory or the like.

The notification control unit 1804 performs a process of presenting information to the user. The notification control unit 1804 performs processes such as displaying a display image on the display 150 and outputting audio to a speaker (not shown).

<1.2 Functional configuration of server 20>
FIG. 3 is a diagram showing the functional configuration of the server 20 that constitutes the account opening support system 1 of the first embodiment. As shown in FIG. 3, the server 20 functions as a communication section 201, a storage section 202, and a control section 203.

The communication unit 201 performs processing for the server 20 to communicate with external devices.

The storage unit 202 includes, for example, a memory 25 and a storage 26, and stores data and programs used by the server 20. The storage unit 202 stores a user information database 2021, articles of incorporation information database 2022, and the like.

The user information database 2021 is a database for holding various information regarding users who input information necessary for opening an account in the account opening support system 1. Details will be described later.

The articles of incorporation information database 2022 is a database for holding various information regarding articles of incorporation data that is referred to when opening a corporate account in the account opening support system 1. Details will be described later.

The control unit 203 is composed of, for example, a processor 29, and the processor 29 performs processing according to a program to control various modules such as a reception control module 2031, a transmission control module 2032, a user information acquisition module 2033, an articles of incorporation data acquisition module 2034, and an account information acquisition module 2034. It performs the functions shown in the opening application module 2035 and the examination result notification module 2036.

The reception control module 2031 controls the process by which the server 20 receives signals from an external device according to a communication protocol.

The transmission control module 2032 controls the process by which the server 20 transmits a signal to an external device according to a communication protocol. These reception control module 2031 and transmission control module 2032 provide a function for the server 20 to operate as a Web server for external devices including the terminal device 10 accessed via the network 80.

The user information acquisition module 2033 controls the process of acquiring various information regarding the user from the user who uses the account opening support system 1. The various information regarding the user is information necessary for the user to use the account opening support system 1, and includes, for example, the user's ID, name, articles of incorporation data, and the like. The user information acquisition module 2033 stores the acquired information regarding the user in the user information database 2021 and the articles of incorporation information database 2022.

The articles of incorporation data acquisition module 2034 controls the process of acquiring the articles of incorporation data at the time of company establishment in the account opening support system 1. Specifically, the articles of incorporation data acquisition module 2034 acquires authenticated articles of incorporation data used when applying for company registration as information for opening a corporate account. For example, when the articles of incorporation data acquisition module 2034 receives an operation for opening a corporate account from a user who desires to open a corporate account, the articles of incorporation data acquisition module 2034 refers to the articles of incorporation information database 2022 held in the storage unit 202, and Obtain relevant information.
The control unit 203 of the server 20 transmits information on the acquired articles of incorporation data to the account opening application module 2035.
At this time, the information included in the articles of incorporation data includes the business purpose of the company to be established, trade name, location of head office, amount of investment, minimum amount of investment, name, address, etc.

The account opening application module 2035 controls, in the account opening support system 1, the process of applying to the server 30 of the financial institution to open an account at the financial institution based on the acquired articles of incorporation data. Specifically, the account opening application module 2035 executes an application process for opening an account at a financial institution based on the articles of incorporation data obtained from the articles of incorporation data acquisition module 2034 at the time of the user's application for corporate registration. For example, the account opening application module 2035 applies for opening a corporate account by transmitting application data for opening a corporate account that includes information on the acquired articles of incorporation data to the server 30 of the financial institution.
At this time, the account opening application module 2035 may present one or more candidates of financial institutions to which the user can apply, based on the acquired articles of incorporation data at the time of applying for corporate registration, and may accept a selection from the user.

Next, the account opening application module 2035 instructs the server 30 of the financial institution that has applied for account opening to apply for account opening examination. Specifically, the account opening application module 2035 executes an application process for opening an account on the server 30 of the financial institution, and then instructs the server to apply for an account opening examination.

The examination result notification module 2036 controls the process of notifying the user of the account opening examination result transmitted from the financial institution's server 30. Specifically, after the account opening application module 2035 applies for an examination to open an account to the financial institution's server 30, the examination result notification module 2036 obtains the examination result from the financial institution and sends the application to the user. The terminal device 10 is notified. At this time, for example, the control unit 180 of the terminal device 10 used by the user may notify the user of the corporate account opening examination result obtained from the examination result notification module 2036 by displaying the result on the display 150 or the like. good.
Through the above series of processes, a user who wishes to open a corporate account can apply for opening a corporate account even before corporate registration.

<2 Data structure>
FIG. 4 is a diagram showing an example of the data structure of the user information database 2021 and the articles of incorporation information database 2022 stored by the server 20.

As shown in FIG. 4, each record of the user information database 2021 includes the item "user ID", the item "name", the item "age", the item "gender", the item "address", and the item " Includes "Notes" etc.

The item “user ID” is information that identifies each user managed by the account opening support system 1.

The item “Name” is information regarding the name of each user managed by the account opening support system 1.

The item “age” is information regarding the age of each user managed by the account opening support system 1.

The item “gender” is information regarding the gender of each user managed by the account opening support system 1.

The item “address” is information regarding the address (place of residence) of each user managed by the account opening support system 1.

The item "remarks" is information held when there are special notes regarding the user managed by the account opening support system 1.

As shown in FIG. 4, each record in the articles of incorporation information database 2022 includes an item "Information ID", an item "User", an item "Business purpose", an item "Trade name", an item "Head office location", Includes the item “Investment amount” and the item “Remarks”.
Note that in this disclosure, each piece of data held in the articles of incorporation information database 2022 corresponds to the items stated in the articles of incorporation used at the time of application for company establishment. Furthermore, these data are certified electronic articles of incorporation data.

The item “Information ID” indicates information for identifying the articles of incorporation data managed by the account opening support system 1.

The item “user” is information for identifying the user associated with each article of incorporation data, and is common to the item “user ID” of the user information database 2021.

The item "business purpose" is information regarding the business purpose of the corporation established by the user.

The item "trade name" is information regarding the trade name of the corporation established by the user.

The item “head office location” is information regarding the head office location of the corporation established by the user.

The item “Investment Amount” is information regarding the investment amount of the corporation established by the user.

The item "Remarks" is information held when there are special notes regarding the information on the articles of incorporation data managed by the account opening support system 1.
The information held by the articles of incorporation information database is not limited to the above. Other information may also be included, such as the minimum investment amount, name, or address, but if these items are included in the electronic articles of incorporation data, they may be included in the articles of incorporation information database 2022. preferable.

<3 Operation>
Hereinafter, a series of processing by the account opening support system 1 in the first embodiment will be described with reference to FIG. 5.

FIG. 5 is a flowchart showing an example of processing related to opening a corporate account by the account opening support system 1 of the first embodiment.

In step S501, the control unit 203 of the server 20 receives input of articles of incorporation data from the user and creates electronic articles of incorporation.
Specifically, for example, the control unit 203 of the server 20 receives the input of articles of incorporation data, which is information necessary for creating the electronic articles of incorporation necessary for company establishment, from the user, and creates the electronic articles of incorporation based on the received articles of incorporation data. Execute the process to create.
The above process may be executed as a function of the articles of incorporation data creation module (not shown) in the control unit 203 of the server 20.

In step S502, the control unit 203 of the server 20 acquires the articles of incorporation data at the time of applying for corporate registration. Specifically, the articles of incorporation data acquisition module 2034 acquires the articles of incorporation data used when applying for registration of the corporation that the user wishes to establish in step S501, as information for opening a corporate account. For example, when the articles of incorporation data acquisition module 2034 receives an operation for opening a corporate account from a user who desires to open a corporate account, the articles of incorporation data acquisition module 2034 refers to the articles of incorporation information database 2022 held in the storage unit 202, and Obtain relevant information.
The control unit 203 of the server 20 transmits information on the acquired articles of incorporation data to the account opening application module 2035.
At this time, the information included in the articles of incorporation data includes the business purpose of the company to be established, trade name, location of head office, amount of investment, minimum amount of investment, name, address, etc.

In step S503, the control unit 203 of the server 20 applies to the server 30 of the financial institution to open an account at the financial institution based on the articles of incorporation data acquired in step S502. Specifically, the account opening application module 2035 executes an application process for opening an account at a financial institution based on the articles of incorporation data obtained from the articles of incorporation data acquisition module 2034 and used by the user when applying for corporate registration. For example, the account opening application module 2035 applies for opening a corporate account by transmitting application data for opening a corporate account that includes information on the acquired articles of incorporation data to the server 30 of the financial institution.
At this time, the account opening application module 2035 does not receive the application for opening a corporate account from the user and acquire the relevant articles of incorporation data, but stores the data input from the user at the time of applying for corporate registration as temporary memory in the storage unit 202, etc. The data may be stored and transmitted to the financial institution server 30 in response to receiving instructions regarding an account opening application from the user.
Thereby, the user can apply for opening a corporate account at the same time as applying for corporate registration.
At this time, the account opening application module 2035 may present one or more candidates of financial institutions to which the user can apply, based on the acquired articles of incorporation data at the time of applying for corporate registration, and may accept a selection from the user.

In step S504, the control unit 203 of the server 20 instructs the server 30 of the financial institution that applied for account opening in step S503 to apply for account opening examination. Specifically, the account opening application module 2035 executes an application process for opening an account on the server 30 of the financial institution, and then instructs the server to apply for an account opening examination.

In step S505, the control unit 203 of the server 20 acquires the examination result from the server 30 of the financial institution.

In step S506, the control unit 203 of the server 20 notifies the user of the account opening examination result transmitted from the financial institution's server 30 in step S505. Specifically, after the account opening application module 2035 applies for an examination to open an account to the financial institution's server 30, the examination result notification module 2036 obtains the examination result from the financial institution and sends the application to the user. The terminal device 10 is notified. At this time, for example, the control unit 180 of the terminal device 10 used by the user may notify the user of the corporate account opening examination result obtained from the examination result notification module 2036 by displaying the result on the display 150 or the like. good.
Through the above series of processes, a user who wishes to open a corporate account can apply for opening a corporate account even before corporate registration.
Furthermore, the user can perform the processes related to company establishment and the processes related to opening a corporate account at the same time even before applying for company establishment.

In one aspect, the control unit 203 of the server 20 may register the account information as financial institution information in the storage unit of the computer that provides a predetermined accounting service after the account opening is completed.
As a result, a user who wishes to open a corporate account can quickly register information about the opened account in the linked accounting service.

In a certain aspect, the control unit 203 of the server 20 may have a function of automatically creating or supporting the creation of the following materials.
- Business explanatory materials for examination - Home page of the corporation to be established Specifically, for example, the server 20 holds data such as the format that is the basis of the above-mentioned preliminary explanatory materials, etc. in the storage unit 202, and the acquired Processing may be executed to automatically insert information on the articles of incorporation data into a corresponding location in the format.
This allows the user to reduce the effort required to create various materials based on the articles of incorporation data.

<4 Screen example>
Hereinafter, examples of screens of the account opening support system 1 will be described with reference to FIGS. 6 and 7.

FIG. 6 is a diagram showing an example of a screen when inputting necessary information for opening a corporate account in the account opening support system 1.

As shown in FIG. 6, a status icon 601 and a detailed display screen 602 are displayed on the display 150 of the terminal device 10.
In the status icon 601, the control unit 180 of the terminal device 10 displays the current status of opening a corporate account in the form of an icon. At this time, the icon of the status for which the user is currently performing input etc. may be displayed in a different manner from other icons.
This allows the user to visually understand what status he or she is currently in.

In the details display screen 602, the control unit 180 of the terminal device 10 displays details of information necessary for the user to create the articles of incorporation/registration documents. Specifically, the control unit 180 of the terminal device 10 displays the following information on the details display screen 602.
・Information necessary for creating articles of incorporation/registration documents (corporate form/trade name, company address, etc.)
- Application button to indicate whether or not you wish to pre-open a corporate account - Screen transition button to proceed to the next status The control unit 180 of the terminal device 10 checks the items of information necessary for creating the articles of incorporation/registration documents. A mark icon or the like may be displayed. At this time, the control unit 180 of the terminal device 10 may display the check mark icon or the like in a different color when inputting the information items necessary for creating the articles of incorporation/registration documents is completed. .
This allows the user to visually understand which of the required items has been input.
In one aspect, the control unit 180 of the terminal device 10 may store information necessary for creating the articles of incorporation/registration documents in the storage unit 170 or the like in advance, and read the information from the storage unit.
This allows the user to easily establish a corporation and open an account.

In one aspect, the control unit 180 of the terminal device 10 may present a screen prompting the user to input information necessary to automatically create or support creation of the following materials.
- Business explanatory materials for examination - Home page of the corporation scheduled to be established Specifically, for example, the control unit 180 may prompt the user to input the following information.
・Previous shares, subsequent shares ・Corporate personality ・Company name (company name in kana, etc.)
・Job title ・Representative name ・Address (zip code, prefecture, city, town, village, etc.)
・Date of establishment ・Fiscal year end ・Email address ・Business purpose ・Business details, products handled ・Head office location ・Name of representative director ・Number of employees ・Capital ・Mid-term/long-term business plan The control unit 180 receives the above information from the user. Necessary information may be obtained from data input when creating articles of incorporation/registration documents, rather than by directly accepting input. For example, the date and time of establishment may be determined after the registration procedure is completed.
Further, the control unit 180 may prompt the user to additionally input necessary information such as a president's message, CSR information, employment information, etc. in order to create a homepage.
At this time, the control unit 180 may present the user with the materials to be created and a template imitating a home page, and allow the user to input necessary information.
Thereby, the user can easily create business explanatory materials for examination, a homepage, etc. in parallel with inputting articles of incorporation/registration information.

FIG. 7 is a diagram showing an example of a screen when inputting necessary items when creating electronic articles of incorporation in the account opening support system 1.

In FIG. 7, a status icon 701 and a detailed display screen 702 are displayed on the display 150 of the terminal device 10.
In the status icon 701, the control unit 180 of the terminal device 10 displays the current status in the creation of the electronic articles of incorporation in the form of an icon. At this time, the icon of the status for which the user is currently performing input etc. may be displayed in a different manner from other icons.

On the details display screen 702, the control unit 180 of the terminal device 10 displays details of information necessary for the user to create the electronic articles of incorporation. Specifically, the control unit 180 of the terminal device 10 displays the following information on the details display screen 702.
・How to create the articles of incorporation ・The notary public office that performs the procedures for authenticating the articles of incorporation ・Confirming the contents of the articles of incorporation ・Selecting the expert to request the creation of the electronic articles of incorporation ・Status of requests for the electronic articles of incorporation ・Selection screen for the authentication procedure at the notary public office ・Investment information Deposit screen - Deposit certificate attachment screen - Publication method selection screen This allows users to create electronic articles of incorporation at the same time as opening an account.

Further, in the present disclosure, a case has been exemplified in which various information is held in the storage unit 202 of the server 20 and the control unit of the server 20 executes various processes based on instructions from the user. The format is not limited to this. That is, each of the various records of the user information database 2021 and the various records of the articles of incorporation information database 2022 may be held in the storage unit 170 of the terminal device 10. Upon receiving various operations from the user, the terminal device 10 may acquire various information held in the storage unit 170 and display related information for opening a corporate account on the display 150.

<Summary>
As described above, according to this embodiment, the server 20 acquires the articles of incorporation data at the time of applying for corporate registration. Thereafter, the server 20 applies to the financial institution's server 30 to open an account at the financial institution based on the acquired articles of incorporation data. The server 20 instructs the server 30 of the financial institution that has applied for account opening to apply for account opening examination. The server 20 notifies the user of the account opening examination results sent from the financial institution's server 30.
Thereby, the user can apply for opening a financial institution account even before the establishment of the corporation, using the articles of incorporation data at the time of application for corporation registration.

Although the disclosed embodiments have been described above, they can be implemented in various other forms, and can be implemented with various omissions, substitutions, and changes. These embodiments and modifications, as well as omissions, substitutions, and changes, are included within the technical scope of the claims and their equivalents.

<Additional notes>
The matters described in each of the above embodiments are additionally described below.

(Additional note 1)
A program executed by a computer 20 including a processor 29, the program includes a step (S502) of acquiring articles of incorporation data at the time of application for corporate registration, and an account at a financial institution based on the acquired articles of incorporation data. A step of applying to the financial institution's server 30 for opening an account (S503), a step of instructing the financial institution's server 30 to apply for account opening examination (S504), and sending from the financial institution's server 30. A program that executes a step (S505, S506) of notifying a user of the result of the examination for opening an account.

(Additional note 2)
The program further sends the processor 29 to a step (S501) of accepting input from the user of articles of incorporation data, which is information necessary for creating electronic articles of incorporation necessary for company establishment, and creating electronic articles of incorporation based on the received articles of incorporation data. The program according to supplementary note 1, which causes the step (S501) to be executed.

(Additional note 3)
The program according to appendix 1 or 2, wherein the articles of incorporation data is at least one selected from the group consisting of the business purpose, trade name, head office location, investment amount, minimum investment amount, name, or address of the company to be established.

(Additional note 4)
In the step of applying to the financial institution's server 30 to open an account at a financial institution (S503), the program presents one or more candidates for financial institutions to which the user can apply, based on the acquired articles of incorporation data at the time of applying for corporate registration. The program according to supplementary note 1, which accepts a selection from a user.

(Appendix 5)
The program according to appendix 1, further causes the processor 29 to execute a step of registering account information as financial institution information in a storage unit of a computer that provides a predetermined accounting service after the account opening is completed.

(Appendix 6)
A method executed by a computer 20 including a processor 29, the method includes a step (S502) in which the processor 29 acquires articles of incorporation data at the time of application for corporate registration, and an account at a financial institution based on the acquired articles of incorporation data. A step of applying to the financial institution's server 30 for opening an account (S503), a step of instructing the financial institution's server 30 to apply for account opening examination (S504), and sending from the financial institution's server 30. A method of notifying a user of the result of the account opening examination (S505, S506).

(Appendix 7)
An information processing device 20 including a control unit 203, wherein the control unit 203 includes:
A step of acquiring articles of incorporation data at the time of application for corporate registration (S502), a step of applying to the financial institution's server 30 to open an account at a financial institution based on the acquired articles of incorporation data (S503), and a step of applying to the financial institution to open an account at the financial institution a step of instructing the server 30 of the financial institution to apply for an account opening examination (S504); a step of notifying the user of the account opening examination result transmitted from the financial institution's server 30 (S505, S506); An information processing device 20 that executes.

10 terminal device, 20 server, 80 network, 130 operation reception unit, 150 display, 170 storage unit, 180 control unit, 1801 input operation reception unit, 1802 transmission/reception unit, 1803 data processing unit, 1804 notification control unit, 22 communication IF, 23 input/output IF, 25 memory, 26 storage, 29 processor, 201 communication unit, 202 storage unit, 2021 user information database, 2022 articles of incorporation information database, 203 control unit, 2031 reception control module, 2032 transmission control module, 2033 user information acquisition Module, 2034 Articles of Incorporation data acquisition module, 2035 Account opening application module, 2036 Screening result notification module.

Claims (7)

A program executed by a computer comprising a processor,
The program causes the processor to:
A step of obtaining articles of incorporation data when applying for corporate registration;
applying to a server of a financial institution to open an account at the financial institution based on the acquired articles of incorporation data;
a step of instructing a server of the financial institution that has applied for the account opening to apply for examination of the account opening;
A program that causes a program to execute the step of notifying a user of the result of the account opening examination transmitted from the server of the financial institution. The program further causes the processor to:
a step of accepting from the user input of articles of incorporation data, which is information necessary for creating electronic articles of incorporation necessary for company establishment;
The program according to claim 1, causing the program to execute the step of creating the electronic articles of incorporation based on the received articles of incorporation data. 2. The program according to claim 1, wherein the articles of incorporation data is at least one selected from the group consisting of business purpose, trade name, head office location, investment amount, minimum investment amount, name, or address of the company to be established. In the step of applying to the financial institution's server to open an account at the financial institution, the program:
2. The program according to claim 1, wherein the program presents one or more candidates of financial institutions to which the user can apply, based on the acquired articles of incorporation data at the time of application for corporate registration, and accepts a selection from the user. The program further causes the processor to:
2. The program according to claim 1, which executes the step of registering the account information as financial institution information in a storage unit of a computer that provides a predetermined accounting service after the account opening is completed. A method performed by a computer comprising a processor, the method comprising:
The method includes the processor:
A step of obtaining articles of incorporation data when applying for corporate registration;
applying to a server of a financial institution to open an account at the financial institution based on the acquired articles of incorporation data;
a step of instructing a server of the financial institution that has applied for the account opening to apply for examination of the account opening;
A method comprising: notifying a user of the result of the account opening examination transmitted from the server of the financial institution. An information processing device comprising a control unit,
The control unit,
A step of obtaining articles of incorporation data when applying for corporate registration;
applying to a server of a financial institution to open an account at the financial institution based on the acquired articles of incorporation data;
a step of instructing a server of the financial institution that has applied for the account opening to apply for examination of the account opening;
An information processing apparatus that executes the step of notifying a user of the result of the account opening examination transmitted from the server of the financial institution.