Funding management device and funding management method

Abstract

To enable appropriate provision of a funding service for funding against future store sales even when a business operator runs multiple businesses and / or supports multiple payment means.SOLUTION: A funding management device provided herein comprises: a reception unit for receiving a funding application from a business operator who receives payments from customers using multiple payment means; a funding amount determination unit configured to determine a funding amount for each receivable arising from customer payment according to the payment means; and a presentation unit for presenting the determined funding amount for each receivable.SELECTED DRAWING: Figure 5

Description

[Technical Field]

[0001] The present invention relates to a funding management device and a funding management method. [Background technology]

[0002] Conventionally, in various fee factoring businesses, a technology has been proposed that realizes a variety of payment methods by setting various payment patterns and payment destination groups in master data for each customer and contract (for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2019-212120 Summary of the Invention [Problem to be solved by the invention]

[0004] Meanwhile, there is known a system that provides funding based on sales forecast values ​​for stores, etc. As described in Patent Document 1, when a business accepts payments using a variety of payment methods or when the business operates multiple businesses, it is not easy to add up sales forecast values ​​across payment methods and business types, or to provide funding based on the total value.

[0005] The object of the present invention is to provide a funding system and program that can provide funding services (future receivables factoring) by buying and selling future sales (future receivables) of the stores or facilities (including virtual stores operated online) that are the target of funding, even if the business operates multiple businesses or accepts multiple payment methods. [Means for solving the problem]

[0006] (1) One aspect of the present invention is a funding management device that includes a reception unit that receives funding applications from businesses operating different types of business entities, a funding amount determination unit that determines a funding amount for each type of business entity operated by the business, and a presentation unit that presents the determined funding amount for each type of business entity operated by the business.

[0007] (2) One aspect of the present invention is a funding management device that includes a reception unit that receives funding applications from businesses that receive payments from customers using multiple payment methods, a funding amount determination unit that determines a funding amount for each claim generated by customer payments according to the payment method, and a presentation unit that presents the determined funding amount for each claim.

[0008] (3) One aspect of the present invention is a funding management device that includes: a reception unit that receives funding applications from businesses operating different types of business entities; a usage history acquisition unit that acquires the total amount of money paid by customers within a specified period as consideration for the business entity operated by the business; a funding amount determination unit that determines a funding amount for each type of business entity operated by the business and determines the funding amount to be the smaller of the total amount acquired by the usage history acquisition unit or a specified upper limit amount; and a presentation unit that presents the determined funding amount for each type of business entity operated by the business entity.

[0009] (4) One aspect of the present invention is a funding management device that includes: a reception unit that receives funding applications from businesses that receive payments from customers using multiple payment methods; a usage history acquisition unit that acquires the total amount of payments made by customers using the payment methods within a specified period as consideration for the business's operation of a business entity; a funding amount determination unit that determines a funding amount for each receivable that arises from customer payments and corresponds to the payment method, and determines the funding amount to be the smaller of the total amount acquired by the usage history acquisition unit or a specified upper limit amount; and a presentation unit that presents the determined funding amounts for each type of business entity operated by the business.

[0010] (5) One aspect of the present invention is a funding management device that includes: a reception unit that receives funding applications from businesses operating different types of business entities; a usage history acquisition unit that acquires the total amount of money paid by customers within a specified period as consideration for the business entity's operation; a funding amount determination unit that determines a funding amount for each type of business entity operated by the business entity and determines the funding amount to be the smaller of the total amount acquired by the usage history acquisition unit or a specified upper limit amount; and a presentation unit that presents the determined funding amount for each type of business entity operated by the business entity, wherein the upper limit amount is set for each type of business entity operated by the business entity.

[0011] (6) One aspect of the present invention is a funding management device comprising: a reception unit that receives funding applications from businesses that receive payments from customers using multiple payment methods; a usage history acquisition unit that acquires the total amount of payments made by customers within a specified period as consideration for the business's operation of a business entity; a funding amount determination unit that determines a funding amount for each claim generated by customer payments that corresponds to the payment method and determines the funding amount to be the smaller of the total amount acquired by the usage history acquisition unit or a specified upper limit amount; and a presentation unit that presents the determined funding amounts for each type of business entity operated by the business entity, wherein the upper limit amount is set for each claim that corresponds to the payment method.

[0012] (7) One aspect of the present invention is a funding management device that includes a reception unit that receives funding applications from businesses operating different types of business entities, a funding amount determination unit that determines a funding amount for each type of business entity operated by the business, and a presentation unit that presents the determined funding amount for each type of business entity operated by the business, wherein the presentation unit presents the types of business entities operated by the business along with the determined funding amount in a manner that allows them to be distinguished from each other.

[0013] (8) One aspect of the present invention is a funding management device that includes a reception unit that receives funding applications from businesses that receive payments from customers using multiple payment methods, a funding amount determination unit that determines a funding amount for each claim generated by customer payments according to the payment method, and a presentation unit that presents the determined funding amount for each claim, and the presentation unit presents the claims together with the determined funding amount in a manner that allows them to be distinguished from each other.

[0014] (9) One aspect of the present invention is a funding management device that includes a reception unit that receives funding applications from businesses operating different types of business entities, a funding amount determination unit that determines a funding amount for each type of business entity operated by the business, and a presentation unit that presents the determined funding amount for each type of business entity operated by the business, wherein when the reception unit receives a funding application, the presentation unit presents a confirmation screen regarding the funding application, and the confirmation screen shows the types of business entities operated by the business in a manner that allows them to be distinguished from one another.

[0015] (10) One aspect of the present invention is a funding management device that includes a reception unit that receives funding applications from businesses that receive payments from customers using multiple payment methods, a funding amount determination unit that determines a funding amount for each claim generated by customer payments according to the payment method, and a presentation unit that presents the determined funding amount for each claim, wherein when the reception unit receives a funding application, the presentation unit presents a confirmation screen regarding the funding application, and the confirmation screen displays the claims in a manner that allows them to be distinguished from one another.

[0016] (11) One aspect of the present invention is a funding management device that includes: a reception unit that receives funding applications from businesses that operate different types of business entities and receive payments from customers using multiple payment methods; a funding amount determination unit that determines a funding amount for each type of business entity operated by the business entity, or for each receivable generated by customer payments and corresponding to the payment method; and a presentation unit that presents the determined funding amount for each type of business entity operated by the business entity, or for each receivable; when the reception unit receives a funding application, the presentation unit presents a confirmation screen regarding the funding application, and the confirmation screen shows terms of use corresponding to the type of business entity operated by the business entity or the receivable, which were used to calculate the funding amount. [Effects of the Invention]

[0017] According to the present invention, in funding (future receivables factoring) which is carried out by buying and selling future sales (future receivables) of the funding store or facility (including virtual stores operated online) that is the target of funding, funding services can be provided suitably even if the business operator is engaged in multiple businesses or accepts multiple payment methods. [Brief explanation of the drawings]

[0018] [Figure 1] FIG. 1 is a diagram illustrating a funding scheme of a funding system according to an embodiment. [Figure 2] FIG. 10 is a diagram for explaining a fund collection scheme of the funding system according to the present embodiment. [Figure 3] 10 is a diagram for explaining an example of a funding amount calculated by the funding system according to the present embodiment and a withdrawal amount. FIG. [Figure 4] FIG. 2 is a diagram for explaining the functional configuration of the funding system according to the present embodiment. [Figure 5] 1 is a diagram illustrating the functional configuration of a funding management device according to an embodiment of the present invention. [Figure 6]10 is a diagram for explaining facilities and bonds used by the funding management device according to the present embodiment to calculate the funding amount. FIG. [Figure 7] 1 is a flowchart showing a series of usage images of the funding system according to the present embodiment. [Figure 8] 1 is a first flowchart showing the flow from a new use application to application completion in the funding system according to this embodiment. [Figure 9] 10 is a second flowchart showing the flow from a new use application to application completion in the funding system according to this embodiment. [Figure 10] 10 is a flowchart showing a first method for determining a credit limit in the funding system according to the present embodiment. [Figure 11] 10 is a flowchart showing a second method for determining a credit limit in the funding system according to the present embodiment. [Figure 12] FIG. 1 is a first diagram showing a display screen presented to a business operator in the funding system according to this embodiment. [Figure 13] FIG. 2 is a second diagram showing a display screen presented to a business operator in the funding system according to this embodiment. [Figure 14] FIG. 3 is a third diagram showing a display screen presented to a business operator in the funding system according to this embodiment. [Figure 15] FIG. 4 is a fourth diagram showing a display screen presented to a business operator in the funding system according to this embodiment. [Figure 16] FIG. 5 is a fifth diagram showing a display screen presented to a business operator in the funding system according to this embodiment. [Figure 17] FIG. 6 is a sixth diagram showing a display screen presented to a business operator in the funding system according to this embodiment. [Figure 18] FIG. 7 is a seventh diagram showing a display screen presented to a business operator in the funding system according to this embodiment. [Figure 19] 1 is a block diagram showing an example of the internal configuration of a funding management device according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0019] [Embodiment] Below, preferred embodiments of a funding management device and a funding management method according to aspects of the present invention are presented and described in detail with reference to the accompanying drawings. Note that aspects of the present invention are not limited to these embodiments and include various modifications or improvements. In other words, the components described below include those that would be easily conceivable to a person skilled in the art or that are substantially identical, and the components described below can be combined as appropriate. Furthermore, various omissions, substitutions, or modifications of components can be made without departing from the spirit of the present invention. Furthermore, in the following drawings, the scale and number of components may differ from the scale and number of actual structures to make each configuration easier to understand.

[0020] The funding system 1 according to this embodiment provides funds to a business operator 10 and collects the provided funds. Specifically, the funding system 1 provides funds to the business operator 10 in a lump sum and collects the provided funds in installments. Below, the funding scheme and the fund collection scheme according to this embodiment will be described with reference to Figures 1 and 2. The funding system 1 according to this embodiment includes the business operator 10, a funder 30, and a payment service provider 50. First, the business operator 10, the funder 30, and the payment service provider 50 will be described.

[0021] The business operator 10 is a person who provides services, sells products, or the like as a business. The business operator 10 may, for example, operate restaurants, lodging facilities, shops attached to the lodging facilities, beauty salons, hair salons, or the like. The business operator 10 may also provide products and services through a virtual store on an e-commerce site without having a physical store. For example, the business operator 10 may operate an online virtual store in the metaverse, etc. The virtual store may sell real-world products through electronic commerce (EC), or may sell products in a virtual space (which may simply be data, broadly including NFC using a blockchain mechanism). The business operator 10 may also operate multiple facilities simultaneously as a business. In this example, a case will be described in which the business operator 10 operates multiple different types of facilities. The business operator 10 can also be said to operate multiple different types of businesses. In the following description, the term "business management" may be used as a concept that broadly encompasses the management of facilities in real space and the management of facilities in virtual space. The management of a business includes the management of facilities in real space, the management of facilities in virtual space, and the management of various businesses. Furthermore, in the description of the embodiments, the term "facility" may be used simply to simplify the description, but this term may also be replaced with "business entity," which broadly encompasses businesses in virtual space.

[0022] The payment service provider 50 provides payment methods, such as online payment services, to the business 10, which is a member store. The payment service provider 50 provides electronic payment services, such as two-dimensional code payment and electronic money payment. Customers of the business operated by the business 10 make payments to the business 10 using electronic payment services, such as two-dimensional code payment and electronic money payment, provided by the payment service provider 50. The business 10 can also receive payments from customers using the payment method provided by the payment service provider 50 via an online payment service, without making payments at a payment terminal installed in the business's store or facility. In this embodiment, for convenience, payments made by customers of the business 10 through a payment terminal at a store or facility are referred to as "offline payments," and payments completed online without using a payment terminal are referred to as "online payments." A typical example of online payments is a service that allows customers to complete payments when booking travel reservations, reservations at beauty salons, restaurants, etc.

[0023] Furthermore, in this embodiment, there may be multiple payment service providers 50. In this case, customers of the business operated by the business 10 make payments to the business 10 using multiple payment services provided by the multiple payment service providers 50. The business 10 may also receive payments from customers using multiple payment methods. The multiple payment methods include electronic payment services such as the above-mentioned two-dimensional code payment and electronic money payment, as well as advance payment methods via reservation sites for accommodations and hotels, and reservation sites for beauty salons, hair salons, and the like. The business 10's use of multiple different payment methods may result in multiple receivables. Furthermore, the multiple payment methods may be provided by different payment service providers 50, and therefore may also be considered different payment platforms.

[0024] Here, multiple stores or facilities (or multiple businesses) operated by business operator 10 may each use a different payment platform to accept payments from customers. For example, if business operator 10 operates a first business (e.g., accommodation facilities) and a second business (e.g., beauty salon), business operator 10 may accept payments from customers using a first platform for accepting reservations and payments for the first business and a second platform, different from the first platform, for accepting reservations and payments for the second business.

[0025] Note that even if business operator 10 operates only one store or facility, it may accept payments from customers using multiple payment platforms. For example, when paying for accommodation, some customers pay in advance when making a reservation, while others pay at the front desk when checking out of the accommodation. In this case, even if the payment is made with the same credit card, the former is an online payment via the accommodation reservation site, while the latter is an offline payment via a payment terminal at the front desk, so they can be considered as payments using different payment platforms.

[0026] The fund provider 30 provides funds to the business operator 10. The fund provider 30 also collects the provided funds from the business operator 10. The fund provider 30 determines the amount of funds to provide depending on the usage status of the payment service provider 50. The fund provider 30 collects a portion of the sales that the business operator 10 obtains from using the electronic payment service from the payment service provider 50. Specifically, the fund provider 30 purchases receivables associated with the sales of the business operator 10 (future receivables of the business operator 10) and provides (a portion of) the purchased receivables to the business operator 10 as funds. If the business operator 10 operates multiple businesses, the fund provider 30 may purchase receivables related to the multiple businesses, or if the business operator 10 accepts multiple payment methods, the fund provider 30 may purchase receivables for each of the multiple payment methods.

[0027] The fund provider 30 and the payment service provider 50 may be operated by different businesses or may be operated by the same business. If the fund provider 30 and the payment service provider 50 are operated by the same business, the fund provider 30 and the payment service provider 50 are considered to be the same, and Figures 1 and 2 should be interpreted as processing between the business 10 and the fund provider 30 (or the payment service provider 50).

[0028] [Funding scheme] FIG. 1 is a diagram for explaining a funding scheme of a funding system according to one embodiment. First, the funding scheme will be explained with reference to the figure. In the funding scheme, for example, the following steps (1) to (5) are performed. Note that steps (1) to (5) do not specify the chronological order of the processing performed by the funding system 1 according to this embodiment.

[0029] (1) The funder 30 first conducts a preliminary assessment of the business 10. The funder 30 inquires about the business 10's past sales with the payment service provider 50. The funder 30 conducts a preliminary assessment of the business 10 by predicting future sales based on past sales. As a result of the preliminary assessment, the funder 30 calculates an upper limit on the amount of funding that can be provided to the business 10. Specifically, the funder 30 predicts the amount of future receivables of the business 10 based on the sales performance that the business 10 holds with the payment service provider 50, and calculates an upper limit on the amount of funding. Note that the funder 30 may simplify the assessment after receiving an application for funding from the business 10 by offering funding only to businesses 10 that meet the screening criteria in the preliminary assessment process.

[0030] (2) The fund provider 30 presents candidate funding amounts to the business operator 10 based on the upper limit of funding calculated in the preliminary assessment step (1). The method of presenting candidate funding amounts may be a method of presenting multiple candidate funding amounts, or a method of presenting only the maximum amount of funding that can be provided. The business operator 10 selects or specifies the amount of funding that it wishes to provide based on the presented candidate funding amounts or the maximum amount of funding that can be provided.

[0031] (3) The business operator 10 notifies the fund provider 30 of the amount of funding it wishes to provide, within the amount presented in (2). This means that the business operator 10 sells a portion of the receivables relating to future sales (future receivables) to the fund provider 30. The fund provider 30 may purchase (a portion of) the future receivables directly from the business operator 10, or may purchase them from the payment service provider 50. The amount of the future receivables to be sold may be the same as the amount of funding, or may be the amount of funding plus a fee.

[0032] (4) The fund provider 30 provides funds to the business operator 10 in exchange for the future receivables sold by the business operator 10. When providing funds, the business operator 10 and the fund provider 30 may decide on the deduction rate and deduction frequency (e.g., three times a month) to be used in the fund collection scheme described below.

[0033] [Fund recovery scheme] FIG. 2 is a diagram for explaining the fund collection scheme of the funding system according to this embodiment. Next, the fund collection scheme will be explained with reference to the same figure. In the funding scheme, for example, the process is divided into the following steps (1) and (2). Note that steps (1) and (2) do not specify the chronological order of the processing performed by the funding system 1 according to this embodiment.

[0034] (1) The fund provider 30 receives from the payment service provider 50 the amount calculated by multiplying the sales of the business entity 10 by the deduction rate determined at the time of providing funds. At this time, the fund provider 30 may collect from the payment service provider 50 an amount equivalent to a commission in addition to the amount described above.

[0035] (2) The payment service provider 50 deducts the amount paid to the fund provider 30 in step (1) from the sales of the business entity 10 and pays the remaining amount to the business entity 10. Note that steps (1) and (2) in the fund collection scheme are repeated based on the deduction frequency (e.g., three times a month) determined at the time of providing the funds. When the business entity 10 has paid the fund provider 30 the amount of the funds received plus a fee, the steps in the fund collection scheme are completed.

[0036] [Amount of funding and withdrawal] 3 is a diagram for explaining an example of the funding amount calculated by the funding system according to this embodiment and an example of withdrawal. The horizontal axis of the illustrated bar graph indicates time (months), and the vertical axis indicates the amount.

[0037] The month of March on the left side of the horizontal axis indicates that funding was provided. The symbol M10 indicates the amount of funding provided by the fund provider 30 to the business operator 10. The amount of funding is determined according to the amount of sales expected to occur in the future for the business operator 10. The amount of sales expected to occur in the future for the business operator 10 may be calculated based on information obtained from the payment service provider 50, for example.

[0038] Next, the amounts indicated by solid lines from April to November (symbols M11 to M18) indicate the debit amounts for each month. These debit amounts are based on the sales amount of the business operator 10 for each month. These debit amounts are paid by the payment service operator 50 to the fund provider 30. The amounts indicated by dashed lines from April to November (symbols M21 to M28) indicate the sales amount for each month. As shown in the figure, the debit amount for each month is the amount obtained by multiplying the sales amount for each month by the debit rate. A fee may be added to the debit amount. Since these debit amounts are amounts deducted from the sales of the business operator 10, they can also be called deduction amounts.

[0039] For example, the business operator 10 and the fund provider 30 may receive funding by selling all sales expected to occur over the next two years from the date of application for funding as future claims in one lump sum, and when the total amount of each month's withdrawal reaches the funding amount (and the sum of the fees), they may terminate each month's withdrawal (which can also be called deduction) and return the claims for the remaining contract period. Conversely, if the sales amount for each month is lower than expected and the total amount of withdrawal has not been reached by the expected time, the monthly withdrawal may be continued until the total amount of withdrawal is reached. If the withdrawal is to be continued, a deadline for continuing the withdrawal may be set in advance.

[0040] In addition, in the illustrated example, for the sake of simplicity, an example in which a payment is made once a month is described, but the present embodiment is not limited to this example, and payments may be made several times a month.

[0041] [Function Configuration] An example of the functional configuration of the funding system 1 will be described below with reference to Figures 4 to 6. Note that the functional configuration shown in the figures is an example of this embodiment and does not limit this embodiment in any way.

[0042] FIG. 4 is a diagram illustrating the functional configuration of the funding system according to this embodiment. With reference to the diagram, an example of the funding system 1 will be described as a specific functional configuration for realizing the above-described funding system 1 using a computer system. The funding system 1 includes a plurality of business entity devices 100, a funding management device 300, and a business entity information storage device 500. In the diagram, business entity device 100-1, business entity device 100-2, ..., and business entity device 100-n (n is a natural number equal to or greater than 3) are shown as examples of the plurality of business entity devices 100.

[0043] The business operator device 100 is operated by the business operator 10. The business operator device 100 includes a central processing unit (CPU), a memory device such as a read only memory (ROM) or a random access memory (RAM), not shown, and executes a business operator program to provide functions for realizing the funding system 1 as described above using a computer system. Specifically, the business operator device 100 requests funding from the funding management device 300.

[0044] The business operator 10 may use an accounting terminal device to accept payments such as credit cards and electronic money. The accounting terminal device is typically installed at a store's cashier. Customers of the business operator 10 make payments by holding a contactless payment-enabled credit card or smartphone over the accounting terminal device or by inserting a credit card. Unlike the accounting terminal device, the business operator device 100 may simply be a general-purpose information processing device such as a PC or tablet device.

[0045] The funding management device 300 is operated by the funder 30. The funding management device 300 includes a CPU, a storage device such as a ROM or RAM (not shown) connected via a bus, and provides functions for realizing the funding system 1 as described above using a computer system by executing a funding management program. Specifically, the funding management device 300 acquires information about the sales of the business operator 10 from the business operator information storage device 500, predicts future sales based on the acquired information, and determines the amount of funding based on the predicted sales.

[0046] The funding amount may be determined in advance (i.e., without waiting for a request from the business operator device 100) or may be determined after receiving a request from the business operator device 100. The funding management device 300 notifies the business operator device 100 of the determined funding amount. After notifying the business operator device 100 of the funding amount, the funding management device 300 starts providing funding to the business operator 10 if an agreement on funding is reached between the business operator 10 and the fund provider 30.

[0047] The business information storage device 500 is managed by the payment service provider 50. The business information storage device 500 is a storage device such as a ROM. The business information storage device 500 may be configured on the cloud. The business information storage device 500 stores information about the amount of sales made by the business 10 using the services provided by the payment service provider 50. In response to an inquiry from the fund provision management device 300, the business information storage device 500 notifies the fund provision management device 300 of information about the sales of the business 10.

[0048] FIG. 5 is a diagram illustrating the functional configuration of the funding management device according to this embodiment. An example of the detailed functional configuration of the funding management device 300 will be described with reference to the diagram. The funding management device 300 includes a receiving unit 310, a presentation unit 320, a funding amount determination unit 330, a usage history acquisition unit 340, and a funding processing unit 350. Each of these functional units is implemented, for example, using electronic circuits. Each functional unit may include internal storage means such as a semiconductor memory or a magnetic hard disk drive, as necessary. Each function may be implemented by a computer with a CPU and software. All or part of each functional unit may be implemented using hardware such as an application-specific integrated circuit (ASIC), a programmable logic device (PLD), or a field-programmable gate array (FPGA). Each functional unit may be implemented by a combination of software and hardware.

[0049] The reception unit 310 receives an application for funding from the business operator 10. As described above, the business operator 10 may be an operator of a plurality of different types of facilities. The business operator 10 may also be an operator that receives payments from customers using a plurality of different types of payment methods.

[0050] The funding amount determination unit 330 determines the funding amount for the business operator 10 that has accepted a funding application. The funding amount determination unit 330 predicts the future sales of the business operator 10 and determines the upper limit of funding that can be provided (hereinafter simply referred to as the "funding amount") based on the predicted sales. Specifically, when predicting the funding amount, the funding amount determination unit 330 may refer to the usage history of the payment service provided by the payment service business operator 50 (hereinafter simply referred to as the "usage history") and predict future sales based on the usage history. Although the usage history of the payment service only accounts for a portion of the store's sales, it is possible to estimate overall sales from the usage history. Furthermore, since it is the usage history of the payment service that is the subject of the purchase and sale of future claims, it can be said that even if the business operator's sales themselves are not high, if the usage history of the payment service accounts for a large portion of sales, the upper limit of funding that can be provided can be set high.

[0051] In response to an inquiry from the funding amount determination unit 330, the usage history acquisition unit 340 acquires the usage history of the business operator 10 from the business operator information storage device 500. The usage history of the business operator 10 can also be said to be the total amount of money paid by customers to the business operator 10 within a predetermined period of time using the payment services managed by the payment service provider 50. The usage history of the business operator 10 may be stored in the business operator information storage device 500 managed by the payment service provider 50, for example.

[0052] When the business operator 10 operates multiple facilities, the funding amount determination unit 330 determines the funding amount for each type of facility operated by the business operator 10. When the business operator 10 operates multiple different types of facilities, the funding amount determination unit 330 can also predict future sales for each type of facility operated by the business operator 10 and determine the funding amount according to the predicted sales.

[0053] Here, the business operator 10 may operate multiple stores in one facility. If the types of facilities operated by the business operator 10 are the same, the funding amount determination unit 330 may determine the total funding amount for the multiple stores, even if the stores are different.

[0054] Furthermore, when the business entity 10 receives payments from customers using multiple different types of payment methods, the funds determination unit 330 determines the funds amount for each receivable generated by the customer's payment, corresponding to each of the multiple different types of payment methods. When the business entity 10 receives payments from customers using multiple different types of payment methods, the funds determination unit 330 can also predict future sales for each of the multiple payment methods and determine the funds amount based on the predicted sales. Here, "multiple payment methods" broadly includes payment methods other than cash, such as credit card payments, QR code (registered trademark) payments, and electronic money. Among credit card payments, a payment method in which authentication is performed by inserting or holding a card over a payment terminal at a store is referred to as "offline payment," while a payment method in which authentication is performed by entering a card number on a web page or the like without using a store terminal is referred to as "online payment." Online payments can also be determined as "different payment methods" depending on which web page (which can also be rephrased as "which service") the payment was made through. When the payment is made by a predetermined payment method, a credit is generated on the creditor side (for example, the payment service provider 50).

[0055] The presentation unit 320 presents the upper limit of the amount of funding that can be provided, determined by the funding amount determination unit 330, to the business operator 10. When the upper limit of the amount of funding that can be provided for each type of facility operated by the business operator 10 has been determined, the presentation unit 320 presents the upper limit of the funding for each type of facility. Furthermore, when the funding amount for each bond has been determined, the presentation unit 320 presents the upper limit of the funding for each bond.

[0056] The funding processing unit 350 performs funding processing for the funding amount desired by the business operator 10 (i.e., the funding amount agreed upon with the business operator 10), which is an amount equal to or less than the funding upper limit determined by the funding amount determination unit 330. The funding processing includes transferring funds to a bank account designated by the business operator 10 and notifying the business operator 10 that the transfer has been completed.

[0057] FIG. 6 is a diagram illustrating the facilities and claims used by the funding management device according to this embodiment to calculate the funding amount. Referring to the diagram, the facilities and claims used by the funding management device 300 to calculate the funding amount will be described. As described above, the funding management device 300 includes a funding amount determination unit 330, which predicts future sales of the business operator 10 and determines the upper limit of funding. When the business operator 10 operates multiple facilities and accepts multiple payment methods, the relationship between the facilities and claims that form the basis for future sales predictions can be said to be as shown in the figure.

[0058] In the illustrated example, business operator 10 supports both online and offline payments. Online payments are supported by payment method 1 and payment method 2, and offline payments are supported by payment method 3. Business operator 10 also operates facilities such as restaurants, accommodation facilities, shops, and beauty salons.

[0059] For example, lodging facilities may include restaurants and other eating and drinking establishments, shops selling souvenirs and beverages, and beauty salons for hair styling at wedding receptions. These facilities are often run by the same business operator as the lodging facility. In other words, the lodging facility operator may operate multiple businesses within the same facility. Furthermore, it is possible that a guest may make a prepayment for their accommodation online via a reservation website when making a reservation, and then pay for products and services at restaurants and shops offline upon arrival at the lodging facility. In this way, both online and offline payment methods may exist for the same facility and the same type of service.

[0060] In recent years, there have been specialized reservation platforms for booking services offered by beauty salons. When making a reservation using such a reservation platform, it is sometimes possible to complete payment online in advance. In addition to those specialized for beauty salons, such reservation platforms are also used for restaurant reservations and travel reservations.

[0061] As such, cases where one business operator (or one person) manages multiple facilities and multiple payment methods are likely to increase as payment methods become more diverse. Therefore, there is likely to be a growing need for services that can centrally manage funding for multiple types of facilities and payment methods.

[0062] The figure illustrates a combination of facilities managed by a business operator and claims based on payment methods. In the illustrated example, the business operator accepts payments using offline payment method 3 at a restaurant. The business operator also accepts payments using online payment method 1 when using an accommodation facility. The business operator also accepts payments using offline payment method 3 at a convenience store. Furthermore, the business operator accepts payments using online payment method 2 and offline payment method 3 at a beauty salon.

[0063] [Processing Procedure] An example of the processing procedure performed by the funding system 1 will be described below with reference to Figures 7 to 11. Note that the processing procedure shown in the figures is an example of this embodiment and does not limit this embodiment in any way.

[0064] 7 is a flowchart showing a series of usage images of the funding system according to this embodiment. The figure shows an image of usage of the services provided by the funding system 1. First, with reference to the figure, the usage cycle when the business operator 10 raises funds once will be described.

[0065] (Step S11) First, the funder 30 sends an invitation to the invited business entity 10. This invitation assumes that the funder 30 will link the service, but the flow of funding according to this embodiment is not limited to this. If the funder 30 does not link the service (that is, this can be said to be a normal processing flow), this step can be omitted. In this case, the business entity 10 may start processing from the next step S12 without receiving an invitation or invitation from the funder.

[0066] (Step S12) Next, the business operator 10 visits the website developed by the fund provider 30.

[0067] (Step S13) Next, the business entity 10 logs in to the website. A login ID and password may be newly created for the funding service provided by the funder 30 at the first login, or a mechanism similar to so-called "single sign-on" may be used to allow the business entity 10 to use an ID and password for another service it uses (preferably one of the payment services it uses, or an ID and password for managing the website where the business entity 10 accepts online payments).

[0068] (Step S14) Next, the fund provider 30 accepts a funding application from the business operator 10. The funding amount is an amount determined by the fund provider 30 and has not yet been agreed upon by the business operator 10, so it can also be said to be the amount of funding that can be provided. The amount of funding that can be provided may be an upper limit, or multiple possible amounts including the upper limit may be indicated. Note that at the time the funding application is accepted, only the application amount (for funding) and the deduction rate have been determined by the business operator 10, and the fund provider has not yet conducted an examination, so it has not yet been determined whether or not to provide the funding.

[0069] (Step S15) Next, the business entity 10 confirms the proposed funding amount and determines the amount that the business entity 10 actually desires to provide funding for. This funding amount determination step may be performed by selecting one of the funding amounts from among multiple candidate funding amounts provided by the funder 30.

[0070] (Step S16) Next, the fund provider 30 compares the fund amount and withdrawal rate determined by the business entity 10 in step S14 with the receivables that are expected to arise in the future, and determines whether or not to provide the fund.

[0071] (Step S17) Next, the fund provider 30 deposits the confirmed funding amount into the business operator 10. The account to which the funds are to be deposited is determined by the business operator 10 following step S14. It is preferable that this deposit step be performed all at once. The flow up to this point can also be said to be the funding scheme described with reference to FIG. 1. Furthermore, step S18 and onwards can also be said to be the funds collection scheme described with reference to FIG. 2.

[0072] (Step S18) Next, the fund provider 30 debits the sales of the business operator 10. The debit may be made once a month, or may be made several times a month (for example, every 50 days). It is preferable that the frequency and number of debits be determined arbitrarily by the fund provider 30. The debit may be made, for example, every 50 days.

[0073] (Step S19) The withdrawal step of step S18 continues until the amount of funds deposited in step S17 plus a fee is completely collected. That is, if the collection of the provided funds is complete (step S19; YES), the process ends, and if the collection of the provided funds is not complete (step S19; NO), the process returns to step S18. The fee is determined according to the amount of funds received and the deduction rate. Furthermore, when the same amount of funds is received, the fee is generally set higher if the deduction period is set longer.

[0074] FIG. 8 is a first flowchart showing the flow from a new use application to application completion in the funding system according to this embodiment.

[0075] FIG. 9 is a second flowchart showing the flow from a new use application to application completion in the funding system according to this embodiment.

[0076] With reference to FIGS. 8 and 9, a series of steps from when the business operator 10 applies for new use of the fund provision service until the application is completed will be described.

[0077] (Step S21) First, the business operator 10 applies to the fund provider 30 for new use.

[0078] (Step S22) The fund provider 30 accepts an application for new use from the business operator 10. When the fund provider 30 accepts the application for new use, it inquires about the usage history of the payment method linked to the business operator 10. At this time, if the business operator 10 uses multiple payment methods, the fund provider 30 inquires about the usage history of each of the multiple payment methods. Furthermore, if the business operator 10 operates multiple facilities / stores, the fund provider 30 inquires about the usage history of each of the multiple facilities / stores.

[0079] (Step S24) Furthermore, the fund provider 30 calculates a limit (upper limit) on the amount of funding based on the usage history of each of the multiple payment methods obtained as a result of the introduction or the usage history of each of the multiple facilities / stores.

[0080] (Step S25) Next, the fund provider 30 presents (1) potential usage amounts and (2) potential withdrawal rates to the business operator 10. (1) In addition to the limit calculated in step S24, the potential usage amounts may also include multiple potential amounts lower than the limit. For example, if the limit is 700,000 yen, the potential usage amounts presented to the business operator 10 will be 700,000 yen, 350,000 yen, 200,000 yen, 50,000 yen, etc. Generally, the business operator 10 will want to receive as much funding as possible or will want to know the limit of the amount of funding they can receive, so it is desirable that the potential usage amounts include the limit calculated in S24. However, this requirement is not essential.

[0081] Note that a predetermined limit (a fixed value, for example, 1 million yen) may be set for the amount presented to the business operator 10. In this case, the funder 30 compares the limit calculated in step S24 with the predetermined limit, and sets the predetermined limit as the upper limit amount even if the calculated limit exceeds the predetermined limit. The process of determining the funding amount is performed by the funding amount determination unit 330 described above. The funding amount determination unit 330 may also determine the smaller of the total amount acquired by the usage history acquisition unit 340 or a predetermined upper limit amount as the funding amount. The predetermined upper limit amount may be, for example, 1 million yen. In this case, even if the total amount acquired by the usage history acquisition unit 340 is 1.2 million yen, (1) the upper limit value of the candidate usage amount for each payment method or business is set to the predetermined upper limit amount of 1 million yen.

[0082] Furthermore, (2) the candidate deduction rates may be determined based on the sales of the business operator 10, or may be set arbitrarily by the fund provider 30. The higher the deduction rate, the larger the amount deducted from sales, but the earlier the fund collection is completed, and therefore the fees paid to the fund provider 30 can be reduced. Conversely, the lower the deduction rate is set, the smaller the amount deducted from sales, making it easier to manage funds, but the deduction period becomes longer, and therefore the fees paid to the fund provider 30 are generally set higher. The business operator 10 selects an appropriate deduction rate by considering these advantages and disadvantages as well as the cash flow situation at the time of applying for funding, etc.

[0083] (Step S31) The business operator 10 checks the candidates presented in step S25, and from the candidates, selects (1) the amount used and (2) the deduction rate to be deducted, and then (3) specifies the destination to which the provided funds will be deposited.

[0084] (Step S32) Next, the fund provider 30 calculates the remaining usage limit. The remaining usage limit is the amount of funds that can be provided, minus the amount that has been provided but is currently being collected. The remaining usage limit can also be said to be the amount obtained by subtracting the usage amount selected in step S31 from the funding limit (upper limit) calculated in step S24.

[0085] (Step S33) If the fund provider 30 finds a plan that can be applied for within the remaining credit limit calculated in step S32 among the plans presented in step S25, that is, compares the amount of the candidate presented in step S25 with the remaining credit limit, and if there is a candidate with an amount lower than the remaining credit limit (i.e., step S33; YES), the process proceeds to step S34. If there is no candidate with an amount lower than the remaining credit limit (i.e., step S33; NO), the process proceeds to step S36.

[0086] (Step S34) The fund provider 30 maintains the candidates with amounts lower than the remaining credit limit, i.e., sets the unavailable plan to "unselectable," and again presents (1) the potential usage amounts and (2) the potential withdrawal rates to the business operator 10. At this time, the fund provider 30 may recalculate and present available plans using the remaining credit limit as the new funding limit (upper limit). By designing in this way, it is possible to present as many options as possible to the business operator 10 as compared to leaving the "unselectable" option, and it is also expected that it will be possible to present options that are closer to the needs of the business operator 10. For example, for a business operator with a limit of 1 million yen, four options for the first usage amount are presented: 1 million yen, 750,000 yen, 500,000 yen, and 250,000 yen. If the 500,000 yen plan is selected, the remaining funding amount (remaining limit) will be 500,000 yen, and if no recalculation is performed, only the 500,000 yen and 250,000 yen options will remain available. On the other hand, if recalculation is performed, four new options will be presented: 500,000 yen, 350,000 yen, 200,000 yen, and 50,000 yen, and there will be a wider variety of smaller options, making it easier for the business operator 10 to choose.

[0087] (Step S35) If there is an additional plan that the business operator 10 wishes to use (i.e., step S35; YES), the business operator 10 proceeds to the process at step S31, where the business operator 10 again selects (1) the usage amount and (2) the deduction rate to be deducted, and then (3) specifies the deposit destination for the provided funds. Note that the deposit destination may be set outside of this step. Also, if there is no additional plan that the business operator 10 wishes to use (i.e., step S35; NO), the business operator 10 proceeds to the process at step S36.

[0088] (Step S36) The fund provider 30 deposits the usage amount into the bank account of the business operator 10 in accordance with the details applied for by the business operator 10.

[0089] (Step S37) Furthermore, the fund provider 30 updates the database that stores the fund raising status and withdrawal status for each business operator 10, and sends a transfer completion notice to the business operator 10.

[0090] In the above-mentioned step S25, it was explained that a predetermined upper limit may be set for the funding amount. The method for setting the upper limit is not limited to the above-mentioned example, and other methods may be used. Hereinafter, with reference to Figures 10 and 11, an example of a method for determining the upper limit when a predetermined upper limit is set for the funding amount will be described.

[0091] Fig. 10 is a flowchart showing a first method for determining a spending limit in the funding system according to this embodiment. The first method shows an example of linking facilities operated by a business operator with payment methods and setting an upper limit on the total amount. The first method will be described with reference to the same figure.

[0092] (Step S41) First, the fund provider 30 inquires about the usage history for each facility operated by the business operator 10 and for each payment method, and calculates the usage limit for each. The fund provider 30 adds up the usage limits calculated for each. In the first determination method, if the business operator 10 operates multiple facilities and uses multiple payment methods, the fund provider 30 adds up all of the usage limits calculated for each facility or payment method, regardless of the type of facility or type of payment method.

[0093] (Step S42) Next, it is determined whether the sum of the amounts calculated in step S41 exceeds a predetermined upper limit (for example, 1 million yen). If the sum exceeds the predetermined upper limit (i.e., step S42; YES), the process proceeds to step S43. If the sum does not exceed the predetermined upper limit (i.e., step S42; NO), the process proceeds to step S44.

[0094] (Step S43) If the sum exceeds the prescribed upper limit, the fund provider 30 sets the prescribed upper limit as the spending limit.

[0095] (Step S44) If the sum does not exceed the specified upper limit, the fund provider 30 sets the sum as the spending limit.

[0096] (Step S45) Next, the fund provider 30 presents a list of plans that the business operator 10 can use based on the upper limit of the usage amount set in step S43 or step S44.

[0097] (Step S46) The fund provider 30 accepts an application for a plan (new plan) selected from the presented plans based on the operation of the business operator 10.

[0098] (Step S47) After accepting the application for the new plan in step S46, the fund provider 30 calculates the remaining balance (remaining limit) that can be used.

[0099] (Step S48) If there is a further available balance (i.e., step S48; YES), the process proceeds to step S46, and an application for a new plan is accepted from the business operator 10. If there is no available balance (i.e., step S48; NO), the process ends.

[0100] When the above method is adopted, the calculation method is very simple because the credit limit is determined by simply adding up the credit limits calculated from the usage records of all stores and facilities linked to business operator 10 and comparing the total with the specified upper limit. On the other hand, stores that operate a variety of facilities and accept many payment methods may be dissatisfied that the upper limit for the amount that can be used is low compared to the types and number of facilities (number of stores) and types of payment methods.

[0101] Fig. 11 is a flowchart showing a second method for determining a usage limit in the funding system according to this embodiment. The second method shows an example of setting an upper limit for each type of facility operated by a business operator or for each type of payment method. The second method will be explained with reference to the same figure.

[0102] (Step S51) The fund provider 30 inquires about the usage records of facilities operated by the business operator 10 and calculates the usage limit for each facility (store). If the business operator 10 operates multiple facilities, the fund provider 30 adds up the usage records of multiple facilities for each type of facility. The second method described with reference to FIG. 11 differs from the first method described with reference to FIG. 10 in that, rather than adding up the usage records of all facilities, the fund provider 30 first divides all facilities into several "types" based on their business type, etc., and then adds up the usage records of facilities classified into the same type.

[0103] For example, assume that business operator 10 operates multiple accommodation facilities and multiple restaurants. In this case, the facilities linked to business operator 10's ID can be classified into two groups (types): "accommodation facilities" and "restaurants." In the second method, in this example, the results of collecting and aggregating only the usage records for accommodation facilities and the results of collecting and aggregating only the usage records for restaurants are used to calculate the credit limit for each group for accommodation facilities and restaurant facilities. In general, the average customer spending for accommodation facilities is often higher than that for restaurants. Therefore, when comparing the usage records for accommodation facilities and restaurant facilities, the amount for accommodation facilities is likely to be higher. Therefore, if the credit limit for accommodation facilities is calculated using the same logic as for restaurants, it is expected that there will be many cases where the specified upper limit will be exceeded.

[0104] Furthermore, even if the monthly usage amount per facility is the same (500,000 yen), it is expected that the results of judging the business status of accommodation facilities and restaurants will differ (depending on the number of rooms and tables). In other words, it is not desirable to judge the sales of accommodation facilities and the business status of restaurants based solely on sales amount. Therefore, in the second method, for multiple facilities and stores operated by the same business operator 10, the usage history for each type of facility and store (e.g., accommodation facilities, restaurants, beauty salons, etc.) is added up and compared with the average sales amount for each type of business to judge the business status. By designing it in this way, the funder 30 can present a funding plan to the business operator 10 that is more suited to the actual situation.

[0105] Based on the same thinking as above, it is expected that there will also be a correlation between the type of payment method and usage history. Specifically, payment methods that assume payment using a device such as a smartphone, such as QR code (registered trademark) payment, are often used for relatively small payments, taking into account the risk of device damage, loss, or theft. On the other hand, credit cards are often used for payments of significantly larger amounts. In other words, credit card usage history tends to be higher than usage history for other payment methods. Furthermore, because applicable laws may differ between credit cards and QR code (registered trademark) payment, the points that must be taken into consideration when setting usage limits and terms of use are also different. From this perspective, if the same business operator 10 uses multiple payment methods, usage history may be organized by type of payment method.

[0106] In other words, the second method of determining the credit limit does not determine the credit limit by simply adding up all the usage records of facilities and stores operated by the same business operator 10, as in the first method, but separates and adds up the usage records by "type of facility and store" or "type of payment method," and determines the credit limit for each. The procedure is explained in detail below.

[0107] First, multiple facilities / stores or payment methods are divided into several groups. Examples of facility / store groups include "accommodation facilities," "restaurants," and "beauty salons." Examples of payment method groups include "credit cards," "QR code (registered trademark) payments," and "electronic money." As a method of grouping, several types may be combined into one group, such as "accommodation facilities" and "non-accommodation facilities," or "credit card payments" and "non-credit card payments."

[0108] For each group created in this way, a specified upper limit is set according to the actual circumstances of the group. For convenience, the specified upper limit set for the first group will be referred to as the "first specified upper limit" and that set for the second group as the "second specified upper limit." In the following example, we will explain the case where the groups are classified into two groups, a "first group" and a "second group." More specifically, the "first group" will be referred to as "non-accommodation facilities" and the "second group" will be referred to as "accommodation facilities," and an upper limit will be set for each type of facility or store.

[0109] (Step S52) In this step, it is determined whether the total credit limit, calculated based on the usage records of the facilities and stores associated with the business operator 10 that belong to group 1, exceeds a first predetermined upper limit (e.g., 1 million yen). If the total exceeds the first predetermined upper limit (i.e., step S52; YES), the process proceeds to step S53. If the total does not exceed the first predetermined upper limit (i.e., step S52; NO), the process proceeds to step S54. (Step S53) If the sum exceeds the first specified upper limit, the fund provider 30 sets the first specified upper limit as the usage limit for the facility slot.

[0110] (Step S54) If the sum does not exceed the first specified upper limit, the fund provider 30 sets the sum as the spending limit for the facility slot.

[0111] (Step S545) Next, the fund provider 30 determines whether or not there are any facilities or stores that fall into the second group. If there are any facilities or stores that fall into the second group, the process proceeds to step S55. If there are no stores or facilities that fall into the second group, the process ends.

[0112] (Step S55) Next, the fund provider 30 inquires about the usage record of facilities and stores that belong to the second group among the facilities and stores that are also linked to the business operator 10, and calculates the usage limit.

[0113] (Step S56) Next, it is determined whether the sum calculated in step S55 exceeds a preset second specified upper limit (for example, 1 million yen). Here, the first specified upper limit and the second specified upper limit may be different from each other. If the sum exceeds the second specified upper limit (i.e., step S56; YES), the process proceeds to step S57. On the other hand, if the sum does not exceed the second specified upper limit (i.e., step S58; NO), the process proceeds to step S58.

[0114] (Step S57) If the sum exceeds the second specified upper limit, the fund provider 30 sets the second specified upper limit as the usage limit for the credit line.

[0115] (Step S58) If the sum does not exceed the second specified upper limit, the fund provider 30 sets the sum as the credit line usage limit.

[0116] In addition, if business operator 10 operates multiple facilities or uses multiple payment methods, the upper limit of the funding amount may be set individually for each facility or each bond, or may be set as a combined upper limit. For example, the upper limit for a first facility and the upper limit for a second facility may be different amounts, and may be different from the combined upper limit. The combined upper limit of the funding amount may be greater than the sum of the amounts set for each type of facility operated by business operator 10. Furthermore, the upper limit for a first payment method and the upper limit for a second payment method may be different amounts, and may be different from the combined upper limit. The combined upper limit of the funding amount may be greater than the sum of the amounts set for each bond corresponding to the payment methods used by business operator 10.

[0117] [Screen Configuration] An example of the screen configuration of the display screen presented to the business operator device 100 by the funding system 1 will be described below with reference to Figures 12 to 18. The components displayed on the display screen may be presented based on the control of the presentation unit 320. The control of the presentation unit 320 means transmitting information required for display to the business operator device 100, and does not necessarily involve display control itself. Note that the illustrated screen configuration is an example of this embodiment and does not limit this embodiment in any way.

[0118] FIG. 12 is a first diagram showing a display screen presented to a business operator in the funding system according to this embodiment. This diagram shows an example in which the funding amount is displayed for each facility. As shown in the figure, display screen D1 includes reference numerals D10, D11, and D12 as components of the display screen. Although not shown, other components may be displayed by scrolling scroll bar SB.

[0119] Reference symbol D10 indicates the amount of funding available to the business operator 10 at this time (the amount of funding that can be applied for). This amount is also the total maximum amount of funding available for each facility at this time. In the example shown, the total amount of funding available is 900,000 yen.

[0120] Reference numerals D11 and D12 indicate the maximum available amount at each facility. Reference numerals D11 and D12 each have similar components as screen configurations, so reference numeral D11 will be used as an example for explanation.

[0121] Reference symbol D112 indicates information identifying the business operator 10, such as the name of the business operator 10. In the example shown, it is indicated as Business Operator A. Reference symbol D113 indicates the name of the facility operated by the business operator 10. In the example shown, it is indicated as Kamome Hotel Ginza. Reference symbol D114 indicates the upper limit of the funding amount for this facility, determined by the funding amount determination unit 330. In the example shown, it is indicated as 800,000 yen. Reference symbol D115 is a button for setting or confirming the transfer account. The transfer account can be set or confirmed using this button.

[0122] Reference symbol D111 is a logo image indicating the type of facility operated by the business operator 10. This logo image is displayed together with reference symbol D114, which is the upper limit of the funding amount for this facility determined by the funding amount determination unit 330. The presentation unit 320 can also display the logo image indicating the type of facility operated by the business operator 10 together with the determined funding amount. Note that reference symbol D111 is not limited to the example of a logo image, and can be any image as long as it can distinguish the types of facilities operated by the business operator 10 from one another. The presentation unit 320 can also present the types of facilities operated by the business operator 10 together with the funding amount determined by the funding amount determination unit 330 in a manner that allows them to be distinguished from one another.

[0123] Note that various algorithms can be considered as a method for determining the display order of the symbols D11 and D12 (which one to display on top), and for example, it can be considered to display them in descending order of the amount of funding. That is, the presentation unit 320 can display the logo images of facilities with large amounts of funding at the top of the screen. Also, if the business operator 10 is a frequent user of funding services, it can be considered to display them in descending order of frequency of use. That is, the presentation unit 320 can display the logo images of facilities with the highest frequency of funding at the top of the screen.

[0124] FIG. 13 is a second diagram showing a display screen presented to a business operator in the funding system according to this embodiment. This diagram shows an example in which the funding amount is displayed for each bond (payment method). As shown in the diagram, display screen D2 includes reference numerals D20, D21, and D22 as display screen components. Although not shown, other components may be displayed by scrolling a scroll bar SB. Display screen D2 shown in the diagram differs from display screen D1, which displays information for each facility, in that it displays the maximum funding amount for each bond. In describing display screen D2, components similar to those of display screen D1 will be omitted, and only the different components will be described.

[0125] Reference symbol D211 is a logo image indicating the type of payment method (which can also be referred to as the type of claim) used by the business operator 10. This logo image is displayed together with reference symbol D214, which is the upper limit of the funding amount determined by the funding amount determination unit 330. The presentation unit 320 can also display a logo image indicating the type of payment method (type of claim) used by the business operator 10 together with the determined funding amount. Note that reference symbol D211 is not limited to the example of a logo image, and can be any image as long as it can distinguish the types of facilities operated by the business operator 10 from each other. The presentation unit 320 can also present the type of payment method (type of claim) used by the business operator 10 together with the upper limit of the funding amount determined by the funding amount determination unit 330 in a manner that allows them to be distinguished from each other.

[0126] Note that various algorithms can be considered as a method for determining the display order of the codes D21 and D22 (which one to display on top), and one possible method is to display them in descending order of funding amount. That is, the presentation unit 320 can display the logo images of bonds with larger funding amounts at the top of the screen. Also, if the business operator 10 is a frequent user of funding services, one possible method is to display them in descending order of frequency of use. That is, the presentation unit 320 can display the logo images of bonds with higher funding frequency at the top of the screen.

[0127] 12 and 13 illustrate a case in which a maximum funding amount is presented for each facility or payment method, and funding exceeding the maximum amount cannot be provided to that facility or payment method. However, the system may be designed not to set a maximum funding amount for each facility or payment method. In this case, the funding amount determination unit 330 determines the maximum funding amount (the "available amount" shown in D10 and D20 in FIGS. 12 and 13), and then the funding amount may be set regardless of the calculated maximum spending amount for each facility or payment method, as long as it is within the maximum funding amount. In this case, the maximum spending amount calculated for each store or facility is used solely to calculate the total maximum spending amount (the "available amount" shown in D10 and D20). This design allows sufficient funding to be provided even to stores or payment methods with small maximum funding amounts. Furthermore, for businesses 10 with many facilities or payment methods, even if the maximum funding amount for each facility or payment method is small, they can receive a lump sum of funding, improving convenience.

[0128] 14 is a third diagram showing a display screen presented to the business operator in the funding system according to this embodiment. This diagram shows an example of a display screen (confirmation screen) that is displayed after the business operator 10 selects a facility-based funding plan. The confirmation screen is presented by the presentation unit 320. When the reception unit 310 receives a funding application, the presentation unit 320 can also present a confirmation screen regarding the funding application, such as that shown in this diagram.

[0129] As shown in the figure, the display screen D3 has reference numerals D31 and D32 as components of the display screen. Although not shown, other components may be displayed by scrolling a scroll bar SB. Reference numerals D31 and D32 indicate the maximum available amount at each facility. Since reference numerals D31 and D32 each have similar components as their screen configurations, reference numeral D31 will be used as an example for explanation.

[0130] Reference symbol D311 is a logo image indicating the type of facility operated by the business operator 10. It can also be said that the presentation unit 320 displays a logo image indicating the type of facility operated by the business operator 10 on the confirmation screen. Note that reference symbol D311 is not limited to the example of a logo image, and it is sufficient if it can distinguish the types of facilities operated by the business operator 10 from one another. It can also be said that the confirmation screen displays the types of facilities operated by the business operator 10 in a manner that allows them to be distinguished from one another.

[0131] Reference symbol D312 is the application acceptance date. In the illustrated example, the date is generalized and written as yyyy (year) / mm (month) / dd (day). The application acceptance date is, for example, the date on which the business operator 10 selects an application for funding from the funding amount offered by the funder 30 and the funder 30 accepts it. Reference symbol D313 is the application number. In the illustrated example, the application number is generalized and written as xxxxx. The application number is an identification number assigned by the funder 30 to identify the application.

[0132] Reference symbol D314 displays the status of the application. In the illustrated example, it indicates "Currently being verified by our company," meaning that the fund provider 30 is currently verifying the application details. Reference symbol D315 indicates the total amount to be debited. The total amount to be debited may be the sum of the amount used (funding amount) and the fee. The amount used is indicated by reference symbol D316, and the fee is indicated by reference symbol D317. Specifically, the amount used is 900,000 yen, the fee is 49,320 yen, and the total amount to be debited is 949,320 yen. The presentation unit 320 can also display the total amount to be debited, including the funding amount and the fee, on the confirmation screen.

[0133] Reference symbol D318 indicates the deduction rate, which is 30% in the illustrated example. Until the deduction amount reaches the sum of the usage amount and the fee, the amount paid by the payment service provider 50 to the business operator 10 multiplied by the deduction rate will be paid to the fund provider 30. Reference symbol D319 is a button for setting or confirming the transfer destination account. The transfer destination account can be set or confirmed using this button.

[0134] 15 is a fourth diagram showing a display screen presented to a business operator in the funding system according to this embodiment. This diagram shows an example of a display screen (confirmation screen) that is displayed after the business operator 10 selects a bond-based funding plan. The confirmation screen is presented by the presentation unit 320. When the reception unit 310 receives a funding application, the presentation unit 320 can also present a confirmation screen regarding the funding application, such as that shown in this diagram.

[0135] The figure shows an example in which the funding amount is displayed for each bond. As shown in the figure, display screen D4 has reference numerals D41 and D42 as components of the display screen. Although not shown, other components may be displayed by scrolling a scroll bar SB. Display screen D4 shown in the figure differs from display screen D3, which displays the funding amount for each facility, in that it displays the funding amount for each bond. In describing display screen D4, explanations of components similar to display screen D3 will be omitted, and only different components will be described.

[0136] Reference symbol D411 is a logo image indicating the type of payment method (which can also be referred to as the type of claim) used by the business operator 10. The presentation unit 320 can also be said to display a logo image indicating the type of payment method (type of claim) used by the business operator 10 on the confirmation screen. Note that reference symbol D411 is not limited to the example of a logo image, and can be any image as long as it can distinguish the types of payment methods (types of claim) used by the business operator 10 from one another. It can also be said that the confirmation screen displays the types of payment methods (types of claim) used by the business operator 10 in a manner that allows them to be distinguished from one another.

[0137] Reference symbol D415 indicates the total amount to be debited. The total amount to be debited may be the sum of the amount used (funding amount) and the fee. The amount used is indicated by reference symbol D416, and the fee is indicated by reference symbol D417. Specifically, the amount used is 700,000 yen, the fee is 38,360 yen, and the total amount to be debited is 738,360 yen. The presentation unit 320 may also display the total amount to be debited, including the funding amount and the fee, on the confirmation screen.

[0138] FIG. 16 is a fifth diagram showing a display screen presented to a business operator in the funding system according to this embodiment. This diagram shows an example of a display screen that is displayed after a funding plan has been finalized and withdrawal has begun. With reference to this diagram, an example of a display screen that is displayed during withdrawal will be described. This display screen is presented by the presentation unit 320. When the reception unit 310 accepts a funding application, the presentation unit 320 can also present a withdrawal status confirmation screen as shown in this diagram.

[0139] As shown in the figure, the display screen D5 includes a component D51 of the display screen. Although not shown, other components may be displayed by scrolling a scroll bar SB.

[0140] Reference symbol D511 is a logo image indicating the type of facility operated by the business operator 10. The presentation unit 320 can also display a logo image indicating the type of facility operated by the business operator 10 on the withdrawal status confirmation screen. Note that reference symbol D511 is not limited to the example of a logo image, and can be any image as long as it can distinguish the types of facilities operated by the business operator 10 from one another. It can also be said that the confirmation screen shows the types of facilities operated by the business operator 10 in a manner that allows them to be distinguished from one another.

[0141] Furthermore, although not shown, the symbol D511 may be a logo image indicating the type of payment method (which may also be referred to as the type of claim) used by the business operator 10. The presentation unit 320 may also display a logo image indicating the type of payment method (type of claim) used by the business operator 10 on the withdrawal status confirmation screen. Note that the symbol D511 is not limited to the example of a logo image, and may be any image that can distinguish the types of facilities operated by the business operator 10 from one another. It may also be said that the confirmation screen displays the types of payment methods (types of claim) used by the business operator 10 in a manner that allows them to be distinguished from one another.

[0142] Reference symbol D514 displays the status of the application. In the illustrated example, it indicates that the application is "in withdrawal," that is, the fund provider 30 has already provided funds to the business operator 10, and the withdrawal is currently being made from the business operator 10. Reference symbol D516 indicates the remaining amount to be withdrawn. Reference symbol D515 indicates the point in time at which the remaining amount is shown. In the illustrated example, the remaining amount to be withdrawn as of April 11, 2023, is shown to be 878,430 yen.

[0143] Reference symbol D517 indicates the remaining number of withdrawals. In the example shown, it is 15. In this embodiment, the withdrawal amount is determined by multiplying the sales amount by the withdrawal rate. Therefore, the number of withdrawals may change depending on fluctuations in the sales amount. Therefore, the remaining number of withdrawals indicated by reference symbol D517 can be considered a guideline. Furthermore, reference symbol D518 indicates the month in which the withdrawal will end. In the example shown, it is January 2024. As with the number of withdrawals indicated by reference symbol D517, the month in which the withdrawal will end may also change, so the month in which the withdrawal will end indicated by reference symbol D518 can also be considered a guideline.

[0144] Reference symbol D519 indicates the remaining withdrawal amount. Reference symbol D521 indicates the total withdrawal amount. In the example shown, the remaining withdrawal amount is 878,430 yen, and the total withdrawal amount is also 878,430 yen. In other words, this indicates that no withdrawal has been made yet. Reference symbol D520 indicates the current recovery rate using a slider bar. In the example shown, no withdrawal has been made yet, so the slider is positioned at the left end. The slider moves to the right depending on the progress of the withdrawal.

[0145] As described above, the display screen D5 displays the items such as symbols D515 to D521, and the presentation unit 320 can also display the amount and date regarding the recovery of the total amount debited, including the funding amount and fees, on the confirmation screen.

[0146] FIG. 17 is a sixth diagram showing a display screen presented to a business operator in the funding system according to this embodiment. This diagram shows an example of a confirmation screen at the time of application. This diagram shows an example of a display screen (confirmation screen) that is displayed from when a funding plan is selected by the business operator 10 until funding indicated in the funding plan begins. An example of the confirmation screen will be described with reference to this diagram. The confirmation screen is presented by the presentation unit 320. The presentation unit 320 can also present a confirmation screen such as that shown in this diagram when the reception unit 310 receives a funding application.

[0147] As shown in the figure, the display screen D6 includes elements D61, D62, and D63 as components of the display screen. Although not shown, other components may be displayed by scrolling a scroll bar SB.

[0148] The reference symbol D61 further includes a reference symbol D611 as a component. The reference symbol D611 describes information for identifying the business entity 10, such as the name of the business entity 10. In the example shown in the figure, it describes XXX Co., Ltd.

[0149] Reference symbol D62 further comprises reference symbols D621, D622, and D623 as components. Reference symbol D621 lists the total amount to be debited. Reference symbol D622 lists the amount used. Reference symbol D623 lists the handling fee.

[0150] Reference symbol D63 further comprises reference symbols D631, D632, and D633 as components. Reference symbol D631 indicates the facility or bond that is the basis for calculating the funding. In the example shown, XX Pay (i.e., a type of bond) is indicated. Reference symbol D632 indicates the date on which the funding amount indicated by reference symbol D622 will be deposited into the account of the business operator 10. In the example shown, the scheduled deposit date is April 6, 2024.

[0151] Reference symbol D633 further includes reference symbols D634, D635, D636, D637, and D638 as components. Reference symbol D634 indicates the deduction start date. In the example shown, the deduction start date is April 20, 2024. Reference symbol D635 indicates the estimated deduction end month. In the example shown, the estimated deduction end month is July 2024. Reference symbol D636 indicates the deduction rate. In the example shown, the deduction rate is 85%. Reference symbol D637 indicates the estimated deduction amount per transaction. In the example shown, the estimated deduction amount per transaction is 85,000 yen. Reference symbol D638 indicates the number of deductions per month. In the example shown, the number of deductions per month is three.

[0152] Although not shown, the display screen D6 may be based on a facility operated by the business operator 10.

[0153] FIG. 18 is a seventh diagram showing a display screen presented to a business operator in the funding system according to this embodiment. This diagram shows an example of terms of use displayed on the confirmation screen at the time of application. Similar to FIG. 17, the example shown in this diagram is an example of a display screen (confirmation screen) that is displayed from when a funding plan is selected by the business operator 10 until funding indicated in the funding plan begins. Display screen D7A or display screen D7B may be displayed by scrolling display screen D6 in the downward direction.

[0154] Display screen D7A is an example of a case where the funding plan is based on a facility operated by business operator 10, while display screen D7B is an example of a case where the funding plan is based on a payment method used by business operator 10. The two screens differ in that display screen D7A's screen configuration will be explained first, and then display screen D7B's differences from display screen D7A will be explained. Display screen D7 has symbols D71, D72, and D73 as screen components.

[0155] Reference symbol D71 is the same as reference symbol D633 described above, and the explanation of reference symbol D71 will be omitted.

[0156] Reference symbol D72 indicates information about the transfer destination account. The transfer destination account is the bank account to which the funding amount will be transferred and is held by the business entity 10. In the example shown, the financial institution is XX Bank, the branch is XX Branch, the account type is standard, the account number is 1234567, and the account name is Yamada Taro.

[0157] The terms of use are displayed at symbols D73A and D73B. Here, the terms of use of the funding service differ depending on the type of facility operated by the business operator 10 or the type of claim used in calculating the funding amount. It can also be said that the confirmation screen displayed by the presentation unit 320 displays the terms of use according to the type of facility operated by the business operator 10 or the type of claim used in calculating the funding amount.

[0158] Specifically, the terms of use shown on the confirmation screen differ depending on whether a facility operated by the business operator 10 is used to calculate the funding amount or whether a receivable is used to calculate the funding amount. More specifically, the number of acquirers shown in the terms of use may differ depending on whether a facility operated by the business operator 10 is used to calculate the funding amount or whether a receivable is used to calculate the funding amount. In addition, the matters shown in the terms of use may differ depending on the funding plan.

[0159] FIG. 19 is a block diagram showing an example of the internal configuration of a funds provision management apparatus according to an embodiment of the present invention. At least some of the functions of the funds provision management apparatus 300 can be implemented using a computer. As shown in the figure, the computer includes a central processing unit 901, a RAM 902, an input / output port 903, input / output devices 904 and 905, and a bus 906. The computer itself can be implemented using existing technology. The central processing unit 901 executes instructions contained in a program read from the RAM 902 or the like. In accordance with each instruction, the central processing unit 901 writes data to the RAM 902, reads data from the RAM 902, and performs arithmetic and logical operations. The RAM 902 stores data and programs. Each element in the RAM 902 has an address and can be accessed using the address. RAM stands for "random access memory." The input / output port 903 is a port through which the central processing unit 901 exchanges data with external input / output devices. The input / output devices 904 and 905 are input / output devices. The input / output devices 904 and 905 exchange data with the central processing unit 901 via the input / output port 903. The bus 906 is a common communication path used within the computer. For example, the central processing unit 901 reads and writes data from and to the RAM 902 via the bus 906. Also, for example, the central processing unit 901 accesses the input / output port via the bus 906. Furthermore, all or part of the functional units of the funds provision management device 300 may be realized using hardware such as an ASIC, PLD, or FPGA. Furthermore, all or part of the functional units may be realized by a combination of software and hardware.

[0160] [Summary of the embodiment] According to the above-described embodiment, the funding management device 300 includes a receiving unit 310 that receives funding applications from business operators 10 that operate different types of facilities, a funding amount determination unit 330 that determines a funding amount for each type of facility operated by the business operator 10, and a presentation unit 320 that presents the determined funding amount for each type of facility operated by the business operator 10. With this configuration, the funding management device 300 provides funding for future sales of the store operated by the business operator 10. Furthermore, with this configuration, the funding management device 300 can preferably provide funding services even when the business operator 10 operates multiple businesses.

[0161] According to the above-described embodiment, the funding management device 300 includes a receiving unit 310 that receives funding applications from a business operator 10 that receives payments from customers using multiple payment methods, a funding amount determination unit 330 that determines a funding amount for each claim corresponding to a payment method that is generated by customer payments, and a presentation unit 320 that presents the determined funding amount for each claim. With this configuration, the funding management device 300 provides funding for future sales of a store operated by the business operator 10. Furthermore, with this configuration, the funding management device 300 can preferably provide funding services even when the business operator 10 supports multiple payment methods.

[0162] According to the above-described embodiment, the funding management device 300 includes a receiving unit 310 that receives funding applications from businesses operating different types of facilities; a usage history acquisition unit 340 that acquires the total amount paid by customers within a predetermined period as consideration for the business operator 10 operating the facility; a funding amount determination unit 330 that determines a funding amount for each type of facility operated by the business operator 10 and determines the smaller of the total amount acquired by the usage history acquisition unit 340 or a predetermined upper limit as the funding amount; and a presentation unit 320 that presents the determined funding amounts for each type of facility operated by the business operator 10. That is, according to this embodiment, an upper limit is set for the funding amount. By adopting such a configuration, the funding provider 30 can reduce the risk of default.

[0163] According to the above-described embodiment, the funding management device 300 includes a receiving unit 310 that accepts funding applications from a business operator 10 that receives payments from customers using multiple payment methods; a usage history acquisition unit 340 that acquires the total amount of payments made by customers using payment methods within a predetermined period as consideration for the business operator 10 operating a facility; a funding amount determination unit 330 that determines a funding amount for each receivable generated by customer payments and corresponding to the payment method, and determines the funding amount as the smaller of the total amount acquired by the usage history acquisition unit 340 or a predetermined upper limit; and a presentation unit 320 that presents the determined funding amounts for each type of facility operated by the business operator 10. That is, according to this embodiment, a maximum amount is set for the funding amount. By adopting this configuration, the funding provider 30 can reduce the risk of default.

[0164] According to the above-described embodiment, the funding management device 300 includes a receiving unit 310 that receives funding applications from business operators 10 operating different types of facilities; a usage history acquisition unit 340 that acquires the total amount paid by customers within a predetermined period as consideration for the business operator 10 operating the facilities; a funding amount determination unit 330 that determines a funding amount for each type of facility operated by the business operator 10 and determines the smaller of the total amount acquired by the usage history acquisition unit 340 or a predetermined upper limit as the funding amount; and a presentation unit 320 that presents the determined funding amount for each type of facility operated by the business operator 10. The predetermined upper limit is set for each type of facility operated by the business operator 10. That is, according to this embodiment, a unique upper limit is set for each facility. By adopting this configuration, the funding provider 30 can set an appropriate upper limit for each facility, thereby reducing the risk of bad debts.

[0165] According to the above-described embodiment, the funding management device 300 includes a receiving unit 310 that receives funding applications from a business operator 10 that receives payments from customers using multiple payment methods; a usage history acquisition unit 340 that acquires the total amount of payments made by customers within a predetermined period as consideration for the business operator 10 operating a facility; a funding amount determination unit 330 that determines a funding amount for each receivable generated by customer payments and corresponding to a payment method, and determines the funding amount as the smaller of the total amount acquired by the usage history acquisition unit 340 or a predetermined upper limit; and a presentation unit 320 that presents the determined funding amounts for each type of facility operated by the business operator 10. The predetermined upper limit is set for each receivable corresponding to the payment method. This configuration allows the funding provider 30 to set an appropriate upper limit for each receivable corresponding to the payment method, thereby reducing the risk of bad debts.

[0166] According to the above-described embodiment, the funding management device 300 includes a reception unit 310 that receives funding applications from business operators 10 that operate different types of facilities, a funding amount determination unit 330 that determines a funding amount for each type of facility operated by the business operator 10, and a presentation unit 320 that presents the determined funding amounts for each type of facility operated by the business operator 10. The presentation unit 320 also presents the types of facilities operated by the business operator 10 together with the determined funding amounts in a manner that allows them to be distinguished from one another. That is, according to this embodiment, the funding management device 300 presents the types of facilities that are the basis for funding in an easily recognizable manner. Therefore, according to this embodiment, the business operator 10 can easily recognize the types of facilities that are the basis for funding.

[0167] According to the above-described embodiment, the funding management device 300 includes a receiving unit 310 that accepts funding applications from a business operator 10 that receives payments from customers using multiple payment methods; a funding amount determination unit 330 that determines a funding amount for each claim corresponding to a payment method, which are claims generated by customer payments; and a presentation unit 320 that presents the determined funding amounts for each claim. The presentation unit 320 also presents the types of claims together with the determined funding amounts in a manner that allows them to be distinguished from one another. That is, according to this embodiment, the funding management device 300 presents the types of claims that form the basis of funding in an easily recognizable manner. Therefore, according to this embodiment, the business operator 10 can easily recognize the types of claims that form the basis of funding.

[0168] According to the above-described embodiment, the funding management device 300 includes a reception unit 310 that receives funding applications from business operators 10 operating different types of facilities, a funding amount determination unit 330 that determines a funding amount for each type of facility operated by the business operator 10, and a presentation unit 320 that presents the determined funding amount for each type of facility operated by the business operator. Furthermore, when the reception unit 310 receives a funding application, the presentation unit 320 presents a confirmation screen regarding the funding application, and the confirmation screen displays the types of facilities operated by the business operator 10 in a manner that allows them to be distinguished from one another. That is, according to this embodiment, the funding management device 300 presents the types of facilities that are the basis for funding on the funding application confirmation screen in an easily recognizable manner. Therefore, according to this embodiment, the business operator 10 can easily recognize the types of facilities that are the basis for funding.

[0169] According to the above-described embodiment, the funding management device 300 includes a receiving unit 310 that receives funding applications from a business operator 10 that receives payments from customers using multiple payment methods; a funding amount determination unit 330 that determines a funding amount for each claim corresponding to the payment method, which are claims generated by customer payments; and a presentation unit 320 that presents the determined funding amounts for each claim. Furthermore, when the receiving unit 310 accepts a funding application, the presentation unit 320 presents a confirmation screen regarding the funding application, and the confirmation screen displays the types of claims in a manner that allows them to be distinguished from one another. That is, according to this embodiment, the funding management device 300 presents the types of claims that form the basis of the funding in an easily recognizable manner on the funding application confirmation screen. Therefore, according to this embodiment, the business operator 10 can easily recognize the types of claims that form the basis of the funding.

[0170] According to the above-described embodiment, the funding management device 300 includes a receiving unit 310 that receives funding applications from business operators 10 that operate different types of facilities and receive payments from customers using multiple payment methods; a funding amount determination unit 330 that determines a funding amount for each type of facility operated by the business operator 10 or for each receivable generated by customer payments and corresponding to the payment method; and a presentation unit 320 that presents the determined funding amount for each type of facility operated by the business operator 10 or for each receivable. Furthermore, when the receiving unit 310 accepts a funding application, the presentation unit 320 presents a confirmation screen regarding the funding application, which displays terms of use corresponding to the type of facility operated by the business operator 10 or the type of receivable used to calculate the funding amount. That is, according to this embodiment, the funding management device 300 presents different terms of use depending on whether the funding is facility-based or receivable-based. This configuration allows a funding system to be provided using the same platform for both facility-based and receivable-based systems.

[0171] In addition, all or part of the functions of each unit of each device provided in the funding management device 300 in the above-mentioned embodiment may be realized by recording a program for realizing these functions on a computer-readable recording medium, and reading and executing the program recorded on this recording medium into a computer system. Note that the term "computer system" here includes hardware such as an OS and peripheral devices.

[0172] Furthermore, "computer-readable recording media" refers to portable media such as flexible disks, optical magnetic disks, ROMs, and CD-ROMs, as well as storage units such as hard disks built into computer systems. Furthermore, "computer-readable recording media" may also include devices that dynamically store programs for a short period of time, such as communication lines when transmitting programs over networks like the Internet or communication lines like telephone lines, or devices that store programs for a fixed period of time, such as volatile memory within computer systems that serve as servers or clients in such cases. Furthermore, the above-mentioned programs may be programs that realize some of the aforementioned functions, or may be programs that can realize the aforementioned functions in combination with programs already stored in the computer system.

[0173] Although the embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments, and various modifications can be made without departing from the spirit of the present invention. Furthermore, it is also possible to combine multiple embodiments described above. [Explanation of symbols]

[0174] 1...funding system, 10...business operator, 30...funder, 50...payment service operator, 100...business operator device, 300...funding management device, 500...business operator information storage device, 310...reception unit, 320...presentation unit, 330...funding amount determination unit, 340...usage history acquisition unit, 350...funding processing unit

Claims

1. a reception unit that receives applications for funding from businesses that receive payments from customers using multiple payment methods; a funding amount determination unit that determines a funding amount for each claim generated by a customer's payment and corresponding to the payment method; a presentation unit that presents the determined funding amount for each bond; A funding management device comprising:

2. The plurality of payment methods are each a different platform. The funding management system of claim 1 .

3. The business operates multiple facilities, The funding amount determination unit determines a funding amount for each type of business entity operated by the business operator. The funding management system of claim 1 .

4. the funding amount determination unit predicts future sales for each of the plurality of payment methods and determines the funding amount according to the predicted sales; The funding management device according to any one of claims 1 to 3.

5. a receiving step of receiving a funding application from a business that receives payments from customers using multiple payment methods; a funding amount determination step of determining a funding amount for each receivable generated by a customer's payment and corresponding to the payment means; a presentation step of presenting the determined funding amount for each bond; A funding management method having:

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