JP6945866B2 - Information processing equipment and programs - Google Patents

Description

The present invention relates to an information processing device and a program.

For loans from financial institutions, etc., the company visits the candidate business operator multiple times, obtains the financial results information of the business operator after gaining credit, and examines whether or not the loan is possible.
For example, Patent Document 1 is known as a technique for supporting loan examination. Patent Document 1 includes a process in which a loan applicant performs accounting processing using an accounting processing system on a server of a data center, a process of inputting into a loan application form on a Web screen, and a process of additionally inputting necessary items. And the process of transmitting the loan application form and additional input data to the data center, the process of extracting necessary items from the financial accounting data in the data center, and the process of extracting the necessary items from the financial accounting data in the data center. The process of creating a loan application file that merges the data and the additionally input data, the process of transmitting the loan application file to the financial institution, the automatic loan examination process by the loan judgment program, and the process of transmitting the judgment result to the loan applicant. The automatic loan examination method consisting of is disclosed.

Japanese Unexamined Patent Publication No. 2002-140519

In the technique of Patent Document 1, a loan applicant (borrowing applicant) first applies for a loan to a financial institution. Therefore, there is a possibility that a business operator or the like that does not meet the loan conditions of a financial institution at all may apply for a loan. In such a case, waste occurs for both the loan applicant and the financial institution.

An object of the present invention is to reduce the time and labor of a loan source (financial institution, etc.) and a business operator who wants to receive a loan.

One aspect of the present invention is
An information processing device that can access a storage device that stores business identification information that identifies a business operator and business information including accounting information related to the accounting of the business operator in association with each other.
Equipped with a means to accept search conditions related to business operator accounting from users
A means for identifying the business identification information associated with the accounting information that satisfies the search condition for accounting is provided.
A means for notifying an offer message regarding a loan offer to a business operator identified by the identified business operator identification information.
It is an information processing device.

According to the present invention, it is possible to reduce the time and labor of a loan source (financial institution, etc.) and a business operator who wants to receive a loan.

It is a block diagram which shows the structure of the information processing system of this embodiment. It is a functional block diagram of the information processing system of FIG. It is explanatory drawing of the outline of this embodiment. It is a figure which shows the data structure of the loan source information database of this embodiment. It is a figure which shows the data structure of the business operator basic information database of this embodiment. It is a figure which shows the data structure of the business operator accounting information database of this embodiment. It is a figure which shows the data structure of the loan offer response information database of this embodiment. It is a figure which shows the data structure of the business operator settlement information database of this embodiment. It is a flowchart of the loan offer processing of this embodiment. It is a figure which shows the screen example which is displayed in the loan offer processing of this embodiment. It is a figure which shows the screen example which is displayed in the loan offer processing of this embodiment. It is a flowchart of the business operator response processing of this embodiment. It is a figure which shows the screen example which is displayed in the business operator reply processing of this embodiment. It is a flowchart of the response display processing of this embodiment. It is a figure which shows the screen example which is displayed in the response display processing of this embodiment. It is a sequence diagram of the loan source reply process of the modification 1. It is a figure which shows the screen example which is displayed in the loan source reply processing of the modification 1. It is a figure which shows the screen example which is displayed in the loan source reply processing of the modification 1. It is a sequence diagram of the loan offer processing of the modification 2. It is a figure which shows the screen example which is displayed in the loan offer processing of the modification 2. It is explanatory drawing of the outline of the modification 3. It is a figure which shows the data structure of the search condition information database of the modification 4. It is a sequence diagram of the loan offer processing of the modification 4. It is a figure which shows the screen example which is displayed in the loan offer processing of the modification 4.

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) Configuration of information processing system The configuration of the information processing system will be described. FIG. 1 is a block diagram showing a configuration of an information processing system of the present embodiment. FIG. 2 is a functional block diagram of the information processing system of FIG.

As shown in FIG. 1, the information processing system 1 includes a loan source terminal 10, a server 30, and a loan destination candidate terminal 50.
The loan source terminal 10 and the server 30 are connected via a network (for example, the Internet or an intranet) NW.
The server 30 and the loan destination candidate terminal 50 are connected via a network (for example, the Internet or an intranet) NW.

The loan source terminal 10 is an example of an information processing device that transmits a request to the server 30. The loan source terminal 10 is, for example, a smartphone, a tablet terminal, or a personal computer. The loan source terminal 10 is, for example, an information processing device used by a person who wants to make a loan. Those who want to make a loan are, for example, financial institutions (banks, credit unions, etc.), insurance companies, securities companies, money lenders, individual investors, and the like.

The server 30 is an example of an information processing device that provides the loan source terminal 10 with a response in response to a request transmitted from the loan source terminal 10. The server 30 is, for example, a web server.

The loan destination candidate terminal 50 is an example of an information processing device that transmits a request to the server 30. The loan destination candidate terminal 50 is, for example, a smartphone, a tablet terminal, or a personal computer. The loan destination candidate terminal 50 is, for example, an information processing device used by a business operator that is a candidate for a loan destination.

(1-1) Configuration of Loan Source Terminal The configuration of the loan source terminal 10 will be described.

As shown in FIG. 2, the loan source terminal 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 (Read Only Memory), a RAM (Random Access Memory), 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 (for example, web browser) 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 loan source terminal 10 by activating the program stored in the storage device 11. The processor 12 is an example of a computer.

The input / output interface 13 is configured to acquire a user's instruction from an input device connected to the loan source terminal 10 and output information to an output device connected to the loan source terminal 10.
The input device is, for example, a keyboard, a pointing device, a touch panel, or a combination thereof.
The output device is, for example, a display.

The communication interface 14 is configured to control communication between the loan source terminal 10 and the server 30.

(1-2) Server Configuration The configuration of the server 30 will be described.

As shown in FIG. 2, the server 30 includes a storage device 31, a processor 32, an input / output interface 33, and a communication interface 34.

The storage device 31 is configured to store programs and data. The storage device 31 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 program ・ Application program that executes information processing

The data includes, for example, the following data.
・ Database referred to in information processing ・ Execution result of information processing

The processor 32 is configured to realize the function of the server 30 by activating the program stored in the storage device 31. The processor 32 is an example of a computer.

The input / output interface 33 is configured to acquire a user's instruction from an input device connected to the server 30 and output information to an output device connected to the server 30.
The input device is, for example, a keyboard, a pointing device, a touch panel, or a combination thereof.
The output device is, for example, a display.

The communication interface 34 is configured to control communication between the server 30 and the lender terminal 10.

(1-3) Configuration of Loan Candidate Terminals The configuration of the lender candidate terminals 50 will be described.

As shown in FIG. 2, the loan destination candidate terminal 50 includes a storage device 51, a processor 52, an input / output interface 53, and a communication interface 54.

The storage device 51 is configured to store programs and data. The storage device 51 is, for example, a combination of a ROM (Read Only Memory), a RAM (Random Access Memory), 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 to execute information processing (for example, web browser) program ・ Accounting application program to manage the accounting information of the business operator

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 52 is configured to realize the function of the loan destination candidate terminal 50 by activating the program stored in the storage device 51. The processor 52 is an example of a computer.

The input / output interface 53 is configured to acquire a user's instruction from an input device connected to the loan destination candidate terminal 50 and output information to an output device connected to the loan destination candidate terminal 50.
The input device is, for example, a keyboard, a pointing device, a touch panel, or a combination thereof.
The output device is, for example, a display.

The communication interface 54 is configured to control communication between the loan destination candidate terminal 50 and the server 30.

(2) Outline of the Embodiment The outline of the present embodiment will be described. FIG. 3 is an explanatory diagram of an outline of the present embodiment.

As shown in FIG. 3, the server 30 can access a storage device that stores the business identification information that identifies the business and the business information including the accounting information related to the accounting of the business in association with each other.
The server 30 receives the search conditions related to the accounting of the business operator from the user (loan source) via the loan source terminal 10.
The server 30 identifies the business operator identification information associated with the accounting information that satisfies the search condition for accounting.
The server 30 notifies the business operator (loan destination candidate) identified by the specified business operator identification information of the offer message regarding the loan offer via the loan destination candidate terminal 50.

According to this embodiment, a loan offer is made to a business operator that meets the search conditions related to accounting specified by the user (loan source). That is, the loan source narrows down the business operators in advance regarding accounting and offers the loan. Therefore, on the loan source side, the loan application is from a business operator who is likely to pass the loan examination. On the other hand, on the business side, since a loan offer comes from a loan source that is likely to receive a loan, it is possible to reduce the possibility of applying for a loan to a loan source that does not pass the loan examination. Therefore, in financing, it is possible to reduce the time and labor of the lender and the business operator who wants to receive the loan.

(3) Database The database of the present embodiment will be described. The following database is stored in the storage device 31.

(3-1) Loan source information database The loan source information database of the present embodiment will be described. FIG. 4 is a diagram showing a data structure of the loan source information database of the present embodiment.

The loan source information database of FIG. 4 stores loan source information related to the loan source.
The lender information database includes a "loan source ID" field, a "loan source name" field, and a "loan source contact" field. Each field is associated with each other.

The loan source ID is stored in the “loan source ID” field. The loan source ID is an example of the loan source identification information that identifies the loan source.

The "Lender Name" field stores information about the lender name (eg, text). The loan source name is an example of the loan source identification information.

The Lender Contact field contains lender contact information about the lender's contact. The loan source contact information is, for example, as follows.
-Email address-Message account of the service provided by the server 30-Message account of the service provided by an external server other than the server 30 (for example, an account of a social network service)

One "loan source" may be registered for each company (for example, a financial institution), or may be registered for each department or person in charge.

(3-2) Business Operator Basic Information Database The business operator basic information database of this embodiment will be described. FIG. 5 is a diagram showing a data structure of the business operator basic information database of the present embodiment.

The business operator basic information database of FIG. 5 stores the business operator basic information. Business basic information is one of business information.
The business information database includes a "business ID" field, a "business name" field, a "business contact" field, and a "business attribute information" field. Each field is associated with each other.

The business operator ID is stored in the "business operator ID" field. The business operator ID is an example of business operator identification information that identifies a business operator.

The "Business Name" field stores information about the business name (eg, text). The business name is an example of business identification information.

The Business Contact field contains business contact information about the business contact. The business contact information is, for example, as follows.
-Email address-Message account of the service provided by the server 30-Message account of the service provided by the external server other than the server 30 (For example, the account of the social network service or the message account of the accounting application)

In the "Business attribute information" field, business attribute information regarding the attributes of the business is stored. The "Business attribute information" field includes a plurality of subfields ("Industry" field and "Number of employees" field).

In the "Industry" field, the business type industry information regarding the business type of the business operator is stored.

In the "number of employees" field, information on the number of employees of the business operator regarding the number of employees of the business operator is stored.

(3-3) Business Accounting Information Database The business accounting information database of this embodiment will be described. FIG. 6 is a diagram showing a data structure of the business operator accounting information database of the present embodiment.

The business operator accounting information database of FIG. 6 stores business operator accounting information related to business operator accounting. Business accounting information is one of business information.
The business accounting information database includes a "business ID" field and a "subject" field. Each field is associated with each other.

The business operator ID is stored in the "business operator ID" field.

The "Subject" field stores information (an example of business accounting information) regarding the performance of each subject in the balance sheet and income statement in recent years. The actual results of each subject are the amount and year-on-year comparison. Here, the subjects are, for example, JIS-X0406 major classification (for example, "current assets"), middle classification (for example, "current assets"), minor classification (for example, "cash and deposits"), and sub-classification (for example, "cash"). ”) Includes subjects. The "Subjects" field includes multiple subfields (fields for each subject). In each record, nothing is stored for subjects not used by the business operator.

(3-4) Loan Offer Response Information Database The loan offer response information database of the present embodiment will be described. FIG. 7 is a diagram showing a data structure of the loan offer response information database of the present embodiment.

The loan offer response information database of FIG. 7 stores loan offer response information regarding the response of the business operator to the loan offer of the loan source.
The loan offer response information database includes an "offer ID" field, an "operator ID" field, a "status" field, and a "reply message" field. Each field is associated with each other.
The loan offer response information database is associated with the loan source ID.

The offer ID is stored in the "offer ID" field.

The business operator ID is stored in the "business operator ID" field.

The Status field stores offer status information regarding the status of the operator's response to the loan offer from the lender. The offer status information is either "unconfirmed", "rejected" or "accepted".

The "Reply Message" field stores a reply message (for example, text) from the business operator.

(3-5) Business operator financial information database The business operator financial information database of this embodiment will be described. FIG. 8 is a diagram showing a data structure of the business operator settlement information database of the present embodiment.

The business operator settlement information database of FIG. 8 stores the business operator settlement information related to the settlement of accounts of the business operator. Business settlement information is one of business information.
The business accounting information database includes a "business ID" field and a "financial information" field. Each field is associated with each other.

The business operator ID is stored in the "business operator ID" field.

The "Financial Statement Information" field stores financial information regarding past financial statements (for example, at least one of a balance sheet, an income statement, a statement of changes in shareholders' equity, and a cash flow statement).

(4) Information Processing (4-1) Loan Offer Processing The loan offer processing of this embodiment will be described. FIG. 9 is a flowchart of the loan offer processing of the present embodiment. FIG. 10 is a diagram showing an example of a screen displayed in the loan offer processing of the present embodiment. FIG. 11 is a diagram showing an example of a screen displayed in the loan offer processing of the present embodiment.

As shown in FIG. 9, the loan source terminal 10 executes the reception of search conditions (S110).
Specifically, the processor 12 displays the screen P100 (FIG. 10) on the display.

The screen P100 includes field objects F100a to F100c and operation objects B100.
The field object F100a is an object that receives a user instruction for designating the type of business of the business operator.
The field object F100b is an object that receives a user instruction for designating the number of employees of the business operator.
The field object F100c is an object that receives a user instruction for designating the actual results in each item of the balance sheet and income statement of the business operator in recent years.
The operation object B100 is an object that receives a user instruction for transmitting the user instruction input to the field objects F100a to F100c to the server 30.

After step S110, the loan source terminal 10 executes the reception of the loan offer (S111).
Specifically, when the lender inputs user instructions to the field objects F100a to F100c and operates the operation object B100, the processor 12 displays the screen P101 (FIG. 10) on the display. The field objects F100a to F100c are not input for items for which the lender does not need to narrow down.

The screen P101 includes a field object F101 and an operation object B101.
The field object F101 is an object that receives a user instruction for designating an offer message (hereinafter referred to as "loan offer message") relating to a loan offer to a business operator satisfying the search condition.
The operation object B101 is an object that receives a user instruction for executing the offer request (S112).

After step S111, the loan source terminal 10 executes the offer request (S112).
Specifically, when the lender inputs a user instruction to the field object F101 and operates the operation object B101, the processor 12 transmits the offer request data to the server 30.
The offer request data includes the following information:
・ Loan source ID
-Information about the search conditions specified in the field objects F100a to F100c-Loan offer message specified in the field object F101

After step S112, the server 30 executes the identification of the business operator (S310).
Specifically, the processor 32 refers to the business operator basic information database (FIG. 5) and the business operator accounting information database (FIG. 6), and is associated with the business operator information that satisfies all the search conditions included in the offer request data. Identify the business ID (that is, the business ID of the business that is a candidate for lending).

After step S310, the server 30 executes the loan offer notification (S311).
Specifically, the processor 32 identifies the business contact information associated with the business ID identified in step S310 with reference to the business basic information database (FIG. 5).
The processor 32 adds a new record to the loan offer response information database (FIG. 7) associated with the loan source ID included in the offer request data. The following information is stored in each field of the new record.
-A new offer ID is stored in the "offer ID" field.
-The business operator ID specified in step S310 is stored in the "business operator ID" field. One business ID is stored in one record.
-"Unconfirmed" is stored in the "Status" field.
-Nothing is stored in the "Reply Message" field.
The processor 32 transmits the notification response data to the business contact of the specified business contact information. The notification response data includes the following information.
・ Corresponding offer ID
・ Loan source ID
-Loan offer message included in offer request data

After step S311 the loan destination candidate terminal 50 executes the display of the loan offer (S510).
Specifically, the processor 52 displays the screen P102 (FIG. 11) on the display based on the notification response data.

The screen P102 includes a display object A102 and an operation object B102.
Display object A102 includes a loan offer message.
The operation object B102 is an object that receives a user instruction for responding to a loan offer.

(4-2) Business Operator Response Processing The business operator response processing of the present embodiment will be described. FIG. 12 is a flowchart of the business operator response process of the present embodiment. FIG. 13 is a diagram showing an example of a screen displayed in the business operator response processing of the present embodiment.

As shown in FIG. 12, after step S510, the loan recipient candidate terminal 50 executes acceptance / rejection acceptance (S511).
Specifically, when the business operator operates the operation object B102, the processor 52 displays the screen P103 (FIG. 13) on the display.

The screen P103 includes a field object F103 and operation objects B103a to B103b.
The field object F103 is an object that receives a user instruction for designating a reply message to the loan source.
The operation object B103a is an object that receives a user instruction to accept the loan offer and also receives a user instruction to execute the reply request (S512).
The operation object B103b is an object that accepts a user instruction to reject (that is, does not accept) the loan offer and also receives a user instruction to execute the reply request (S512).

After step S511, the loan destination candidate terminal 50 executes a reply request (S512).
Specifically, when the business operator inputs a reply message to the loan source in the field object F103 and operates the operation object B103a or the operation object B103b, the processor 52 transmits the reply request data to the server 30. The field object F103 is not input when there is no reply message that the business operator wants to convey to the loan source.
The reply request data includes the following information.
・ Offer ID
・ Loan source ID
-Reply message specified in field object F103-Information to accept the loan offer or information to reject the loan offer

After step S512, the server 30 executes a database update (S312).
Specifically, the processor 32 in the loan offer response information database (FIG. 7) associated with the loan source ID included in the response request data, the "status" field and "status" field of the record of the offer ID included in the response request data and ". Update the Reply Message field. For the Status field, if the response request data contains information to accept the loan offer, change "Unconfirmed" to "Accepted" and the response request data contains information to reject the loan offer. If so, change "Unconfirmed" to "Rejected". For the "Reply message" field, the reply message included in the reply request data is stored.

(4-3) Response display processing The response display processing of the present embodiment will be described. FIG. 14 is a flowchart of the response display process of the present embodiment. FIG. 15 is a diagram showing an example of a screen displayed in the response display process of the present embodiment.

As shown in FIG. 14, the loan source terminal 10 executes the reception of the response viewing instruction (S113).
Specifically, the processor 12 displays the screen P104 (FIG. 15) on the display.

The screen P100 includes the operation object B104.
The operation object B104 is an object that receives a user instruction for viewing a response from a business operator.

After step S113, the loan source terminal 10 executes the response viewing request (S114).
Specifically, when the loan source operates the operation object B104, the processor 12 transmits the response viewing request data to the server 30.
The reply viewing request data includes the following information.
・ Loan source ID

After step S114, the server 30 executes the identification of the response information (S313).
Specifically, the processor 32 refers to the loan offer response information database (FIG. 7) to identify information regarding the loan offer response associated with the loan source ID included in the response viewing request data.
The processor 32 refers to the "status" field of the loan offer response information database (FIG. 7) associated with the loan source ID included in the response viewing request data and is associated with the record in which "acceptance" is stored. Identify the business ID.
The processor 32 identifies the settlement information associated with the identified operator ID with reference to the operator settlement information database (FIG. 8).

After step S313, the server 30 executes the reply notification (S314).
Specifically, the processor 32 transmits the response viewing response data to the loan source terminal 10. Response browsing Response data includes the following information.
-Information regarding the response of the loan offer specified in step S313-Business ID and settlement information specified in step S313

After step S314, the loan source terminal 10 executes the display of the response (S115).
Specifically, the processor 12 displays the screen P105 (FIG. 15) on the display based on the response viewing response data.

The screen P105 includes a display object A105 and a plurality of operation objects B105 (B105a, B105b, ...). The operation object B105 includes the same number as the business operators whose "acceptance" is stored in the "status" field.
Display object A105 contains information regarding the response of the loan offer.
The operation object B105 is an object that receives a user instruction for viewing the settlement information of the business operator whose "status" field is "accepted". The operation object B105a is an object that receives a user instruction for viewing the settlement information of the business operator identified by the business operator ID = B013. The operation object B105b is an object that receives a user instruction for viewing the settlement information of the business operator identified by the business operator ID = B021.

When the loan source operates, for example, the operation object B105b among the plurality of operation objects B105, the processor 12 displays the screen P106 (FIG. 15) on the display.

The screen P106 includes the display object A106.
The display object A106 displays financial information (for example, at least one of a balance sheet, a profit and loss statement, a statement of changes in shareholders' equity, and a cash flow statement) associated with the business operator ID = B021. ..

According to this embodiment, a loan offer is made to a business operator that meets the search conditions for accounting specified by the loan source. That is, the loan source narrows down the business operators in advance regarding accounting and offers the loan. Therefore, on the loan source side, the loan application is from a business operator who is likely to pass the loan examination. On the other hand, on the business side, since a loan offer comes from a loan source that is likely to receive a loan, it is possible to reduce the possibility of applying for a loan to a loan source that does not pass the loan examination. Therefore, in the loan, the time and labor of the loan source and the business operator receiving the loan can be reduced.

Further, according to the present embodiment, the designation of the loan offer message is accepted from the loan source. Therefore, the lender can notify the business operator of its own message.
Further, according to the present embodiment, the attribute of the business operator is also one of the search conditions. Therefore, the lender can offer a loan to a business operator that more closely matches the terms of the loan.
Further, according to the present embodiment, the lender is notified whether or not the lender candidate business operator has accepted the loan offer. Therefore, the lender candidate business operator can easily respond to the loan offer to the lender. In addition, the lender can easily know the response of the lender candidate business operator.
Further, according to the present embodiment, the designation of the reply message is accepted from the business operator of the loan recipient candidate. Therefore, the lender candidate business operator can convey information other than whether or not to accept the offer to the lender.
Further, according to the present embodiment, when the loanee candidate business operator accepts the loan offer, the settlement information of the loanee candidate business operator is transmitted to the loan source. Therefore, it is not necessary to exchange the provision of settlement information between the loan source and the business operator of the loan destination candidate, and it is possible to save time and effort for both parties.

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

(5-1) Modification 1
Modification 1 will be described. The first modification is an example in which a reply message is sent from the loan source to the business operator who has accepted the loan offer.

(5-1-1) Loan source reply processing

The loan source reply process of the first modification will be described. FIG. 16 is a sequence diagram of the loan source reply process of the first modification. FIG. 17 is a diagram showing an example of a screen displayed in the loan source reply process of the first modification. FIG. 18 is a diagram showing an example of a screen displayed in the loan source reply process of the first modification.

In the first modification, in step 115 (display of the response) of the response display process, the processor 12 displays the screen P205 (FIG. 17) on the display based on the response viewing response data.

The screen P205 includes a display object A205 and a plurality of operation objects B205 (B205a, B205b, ...). The operation object B205 includes the same number as the business operators whose "acceptance" is stored in the "status" field.
Display object A205 contains information regarding the response of the loan offer.
The operation object B205 is an object that receives a user instruction to send a reply message to a business operator whose "status" field is "accepted". The operation object B205a is an object that receives a user instruction to send a reply message to the business operator identified by the business operator ID = B013. The operation object B205b is an object that receives a user instruction to send a reply message to the business operator identified by the business operator ID = B021.

After step S115, the loan source terminal 10 executes the reception of the reply message (S126).
Specifically, when the loan source operates, for example, the operation object B205b among the plurality of operation objects B205, the processor 12 displays the screen P206 (FIG. 17) on the display.

The screen P206 includes a field object F206 and an operation object B206.
The field object F206 is an object that accepts a user instruction for designating a reply message to a business operator whose "status" field is "accepted".
The operation object B206 is an object that receives a user instruction for executing the reply request (S127).

After step S126, the loan source terminal 10 executes a reply request (S127).
Specifically, when the loan source inputs a user instruction to the field object F206 and operates the operation object B206, the processor 12 transmits the reply request data to the server 30.
The reply request data includes the following information.
・ Loan source ID
-Business ID of the business selected in step S126
-Reply message specified in field object F206

After step S127, the server 30 executes the identification of the business contact (S320).
Specifically, the processor 32 refers to the business operator basic information database (FIG. 5) and identifies the business operator contact information associated with the business operator ID included in the reply request data.

After step S320, the server 30 executes the transmission of the reply message (S321).
Specifically, the processor 32 transmits the reply response data to the business contact of the specified business contact information. The reply response data includes the following information.
・ Loan source ID
-Reply message included in reply request data

After step S321, the loan destination candidate terminal 50 executes the display of the reply message (S520).
Specifically, the processor 52 displays the screen P207 (FIG. 18) on the display based on the reply response data.

The screen P207 includes a display object A207.
The display object A207 includes a reply message.

According to the first modification, the loan source can send a reply message to the business operator who has accepted the loan offer.

(5-2) Modification 2
Modification 2 will be described. Modification 2 is an example of presenting the number of businesses satisfying the search condition.

The loan offer processing of the second modification will be described. FIG. 19 is a sequence diagram of loan offer processing of the second modification. FIG. 20 is a diagram showing a screen example displayed in the loan offer processing of the second modification.

As shown in FIG. 19, the loan source terminal 10 executes the reception of the search condition (S110) in the same manner as in FIG.

After step S110, the loan source terminal 10 executes the search request (S131).
Specifically, when the lender inputs user instructions to the field objects F100a to F100c and operates the operation object B100, the processor 12 transmits the search request data to the server 30. The field objects F100a to F100c are not input for items for which the lender does not need to narrow down.
The search request data includes the following information.
・ Loan source ID
-Information about the search conditions specified in the field objects F100a to F100c.

After step S131, the server 30 executes the identification of the business operator (S310) as in FIG.

After step S310, the server 30 executes the search response (S331).
Specifically, the processor 32 specifies the number of businesses associated with the business ID identified in step S310.
The processor 32 transmits the search response data to the loan source terminal 10. The search response data includes the following information.
-Business ID specified in step S310
-Information on the number of businesses identified in step S331

After step S331, the loan source terminal 10 executes the display of the search result (S132).
Specifically, the processor 12 displays the screen P301 (FIG. 20) on the display based on the search response data.

The screen P301 includes a display object A301 and operation objects B301a to B301b.
The display object A301 includes information regarding the number of businesses included in the search response data.
The operation object B301a is an object that receives a user instruction for returning to the screen P100 (FIG. 10) (that is, executing the reception of the search condition (S110)).
The operation object B301b is an object that receives a user instruction for executing the loan offer reception (S111).

If the lender wants to change the search conditions (for example, to identify more businesses) as a result of referring to the number of businesses presented in the display object A301, the operation object Operate B301a.
When the loan source operates the operation object B301a, the loan source terminal 10 again executes the reception of the search condition (S110). After step S110, the loan source terminal 10 executes step S131. After step S131, the server 30 executes steps S310 and S331. After step S331, the loan source terminal 10 executes step S132.

The loan source operates the operation object B301b when he / she wants to change the search condition as a result of referring to the number of businesses presented by the display object A301.
When the loan source operates the operation object B301b, the server 30 executes the reception of the loan offer (S111).
Specifically, the processor 12 displays the screen P101 (FIG. 10) on the display.

After step S111, the loan source terminal 10 executes the offer request (S133).
Specifically, when the lender inputs a user instruction to the field object F101 and operates the operation object B101, the processor 12 transmits the offer request data to the server 30.
The offer request data includes the following information:
・ Loan source ID
-Loan offer message specified in field object F101-Business ID included in search response data

After step S133, the server 30 executes the loan offer notification (S332).
Specifically, the processor 32 refers to the business operator basic information database (FIG. 5) and identifies the business operator contact information associated with the business operator ID included in the offer request data.
The processor 32 adds a new record to the loan offer response information database (FIG. 7) associated with the loan source ID included in the offer request data. The following information is stored in each field of the new record.
-A new offer ID is stored in the "offer ID" field.
-In the "Business ID" field, the business ID included in the search response data is stored. One business ID is stored in one record.
-"Unconfirmed" is stored in the "Status" field.
-Nothing is stored in the "Reply Message" field.
The processor 32 transmits the notification response data to the business contact of the specified business contact information. The notification response data includes the following information.
・ Corresponding offer ID
・ Loan source ID
-Loan offer message included in offer request data

After step S332, the loan destination candidate terminal 50 executes the display of the loan offer (S510) in the same manner as in FIG.

According to the second modification, in the loan offer processing, the number of businesses identified by the specified business identification information is presented. That is, the loan source can know the number of businesses satisfying the search condition by inputting the search condition. Therefore, the lender can make a loan offer by adjusting the number of businesses.

(5-3) Modification 3
Modification 3 will be described. The third modification is an example in which a storage device for storing information about the business operator is stored in a server 70 different from the server 30. FIG. 21 is an explanatory diagram of an outline of the modified example 3.
The server 70 is, for example, a server for a cloud-type accounting application used by a business operator. The server 70 can be a component of the information processing system. The configuration of the server 70 is the same as that of the server 30.

The outline of the modification 3 will be described.
As shown in FIG. 21, the server 30 can access the storage device of the server 70 that stores the business identification information that identifies the business and the business information including the accounting information related to the accounting of the business in association with each other. be.
The server 30 receives the search conditions related to the accounting of the business operator from the loan source via the loan source terminal 10.
The server 30 identifies the business operator identification information associated with the accounting information that satisfies the search condition for accounting.
The server 30 notifies the business operator (loan destination candidate) identified by the specified business operator identification information of the offer message regarding the loan offer via the server 70 and the loan destination candidate terminal 50.

According to the third modification, the loan source offers a loan to a business operator who does not use the service provided by the server 30 if the business operator uses the service provided by the server 70. Can be sent. Therefore, the lender can find a business operator that meets the conditions from among more business operators.

(5-4) Modification 4
Modification 4 will be described. The fourth modification is an example in which search condition identification information (for example, a search condition name or the like) associated with a specific search condition is specified as a search condition in identifying a business operator.

(5-4-1) Search condition information database The search condition information database of the modification 4 will be described. FIG. 22 is a diagram showing a data structure of the search condition information database of the modified example 4.

The search condition information database of FIG. 22 stores search condition information related to the search condition. The search condition information database includes a "search condition ID" field, a "search condition name" field, and a "search condition" field. Each field is associated with each other.

The search condition ID is stored in the "search condition ID" field.

Information about the search condition name (for example, text) is stored in the "Search condition name" field. The search condition name includes, for example, a word indicating the characteristics of the search condition (for example, "for the machine tool field").

Specific search conditions are stored in the "Search conditions" field. An example of the search condition is a search condition for searching for a good business operator, which is calculated based on big data such as a repayment rate in a past loan. The "Search condition" field may be updated at a predetermined timing. As the predetermined timing, for example, the search conditions related to all the search condition IDs may be updated once a month, or may be updated when the loan source executes step S140 described later.

(5-4-2) Information processing The information processing of the modified example 4 will be described. FIG. 23 is a sequence diagram of loan offer processing of the modified example 4. FIG. 24 is a diagram showing a screen example displayed in the loan offer processing of the modified example 4.

As shown in FIG. 23, the loan source terminal 10 executes the reception of search conditions (S140).
Specifically, the processor 12 displays the screen P400 (FIG. 24) on the display.

The screen P400 includes a plurality of operation objects B400. The operation object B400 is an object that receives a user instruction for designating a search condition to be used. The number of operation objects B400 is the same as the number of "search condition names" included in the search condition information database (FIG. 22). A search condition ID corresponding to the search condition name is assigned to each of the plurality of operation objects B400.

After step S140, the loan source terminal 10 executes the reception of the loan offer (S111).
Specifically, when the loan source operates one of the plurality of operation objects B400, the processor 12 displays the screen P101 (FIG. 10) on the display.

After step S111, the loan source terminal 10 executes the offer request (S142).
Specifically, when the lender inputs a user instruction to the field object F101 and operates the operation object B101, the processor 12 transmits the offer request data to the server 30.
The offer request data includes the following information:
・ Loan source ID
-Search condition ID assigned to the operation object B400 operated by the user
-Loan offer message specified in field object F101

After step S142, the server 30 executes the identification of the business operator (S340).
Specifically, the processor 32 refers to the search condition information database (FIG. 22) and identifies the search condition associated with the search condition ID included in the offer request data.
The processor 32 refers to the business basic information database (FIG. 5) and the business accounting information database (FIG. 6), and refers to the business ID (that is, the loan) associated with the business information that satisfies all the specified search conditions. Identify the business ID) of the business that is the candidate.

After step S340, the server 30 executes the loan offer notification (S311) as in FIG.

After step S311 the loan destination candidate terminal 50 executes the display of the loan offer (S510) in the same manner as in FIG.

According to the fourth modification, in the loan offer processing, the loan source can send a loan offer by specifying a set of search conditions. Therefore, the loan source can save the trouble of inputting. In addition, if the search condition includes a search condition that searches for a good business operator calculated based on big data such as the repayment rate of past loans, it is possible to identify the business operator with more accurate search conditions. can.

(6) Other Modification Examples Other modification examples will be described.

The storage device 11 may be connected to the loan source terminal 10 via the network NW. The storage device 31 may be connected to the server 30 via the network NW. The storage device 51 may be connected to the loan destination candidate terminal 50 via the network NW.

Each step of the above information processing can be executed by any of the loan source terminal 10, the server 30, and the loan destination candidate terminal 50.
For example, when the loan source terminal 10 can execute all the steps of the above information processing, the loan source terminal 10 functions as an information processing device that operates standalone without sending a request to the server 30.

In the present embodiment, an example including the type of business and the number of employees is shown as the business attribute information, but the present embodiment is not limited to this. The business attribute information may include, for example, the following.
・ Information about the location (for example, prefecture name) ・ Information about the number of years of establishment ・ Information about the latest settlement date

In the present embodiment, an example is shown in which the business accounting information is information on the actual results in each item of the balance sheet and the income statement in recent years, but the present embodiment is not limited to this. The business accounting information may include, for example, the following.
・ Information on actual results in each item of the balance sheet and income statement for the years prior to the most recent year ・ Various operating indicators calculated from financial information such as the balance sheet or income statement (for example, current ratio, liability ratio, self) Information on return on capital, etc.) ・ Information on monthly trial balance

In the present embodiment, an example of receiving a user instruction for designating a loan offer message from a loan source has been shown, but the present embodiment is not limited to this. As a loan offer message, a standard message may be sent to the business contact in the identified business contact information.

In the present embodiment, an example in which the business operator is specified (S310) after the reception of the search condition (S110) and the reception of the loan offer (S111) is shown, but the present embodiment is not limited to this. Similar to the second modification (FIG. 19), the business operator may be specified (S310) between the reception of the search condition (S110) and the reception of the loan offer (S111). In this case, in the search response (S331), the search response data includes the "business operator ID specified in step S310". Further, the loan offer is accepted (S111) without displaying the search result (S132).

In the first modification, in step S520, the screen P207 includes the display object A207, but the first modification is not limited to this. The screen P207 may further include a field object and an operation object, and the business operator inputs a user instruction for designating a reply message to the field object and operates the operation object from the business operator to the loan source. You may be able to send a reply message.
Further, in the first modification, the reply message from the loan source to the business operator and the reply message from the business operator to the loan source may be stored in a database (for example, a loan offer response information database (FIG. 7)). good. As a result, the loan source and the business operator can view the history of the reply message.

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.

1: Information processing system 10: Loan source terminal 11: Storage device 12: Processor 13: Input / output interface 14: Communication interface 30: Server 31: Storage device 32: Processor 33: Input / output interface 34: Communication interface 50: Candidate lender Terminal 51: Storage device 52: Processor 53: Input / output interface 54: Communication interface 70: Server

Claims (9)

An information processing device that can access a storage device that stores business identification information that identifies a business operator and business information including accounting information related to the accounting of the business operator in association with each other.
Equipped with a means to accept search conditions related to business operator accounting from users
A means for identifying the business identification information associated with the accounting information that satisfies the search condition for accounting is provided.
Provided with a means for notifying the business operator identified by the identified business operator identification information of an offer message regarding a loan offer.
It is provided with a means for receiving an instruction as to whether or not to accept the offer from the lender candidate business operator to which the offer message is notified.
In response to the instruction, the user is provided with a means for notifying the user whether or not the business operator of the loanee candidate has accepted the offer.
Notification of whether the acceptance, the information processing apparatus or acceptance or not of the operators of the plurality of the borrower candidate is intended to be displayed in a list. A means for accepting an offer message regarding a loan offer from the user.
The notifying means notifies the offer message specified by the user.
The information processing device according to claim 1. The business operator information further includes attribute information regarding the attributes of the business operator.
Equipped with a means to accept search conditions related to the attributes of the business operator from the user
The identifying means identifies the business identification information associated with the business information that satisfies the search conditions for accounting and the search conditions for attributes.
The information processing device according to claim 1 or 2. Provided with a means for accepting the designation of a reply message to the user from the lender candidate business operator
A means for sending the reply message to the user.
The information processing device according to any one of claims 1 to 3. When the business operator of the loan recipient accepts the offer, it is provided with a means for acquiring the settlement information of the business operator of the loan recipient candidate.
A means for transmitting the settlement information to the user.
The information processing device according to any one of claims 1 to 4. When the business operator of the loan recipient notifies that the offer has been accepted, the user is provided with a means for accepting the designation of a reply message to the business operator of the loan recipient.
A means for sending the reply message to the lender candidate business operator is provided.
The information processing device according to any one of claims 1 to 5. Provided with means for presenting the number of businesses identified by the identified business identification information.
The information processing device according to any one of claims 1 to 6. The accounting information is information on the amount or year-on-year change in each item of the balance sheet or income statement.
The information processing device according to any one of claims 1 to 7. A program for operating a computer as each means according to any one of claims 1 to 8.

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