Work support device, work support method, and work support program

Abstract

A loan mediation business for borrowing a price of a commercial transaction object purchased by a buyer from a financial institution is performed for the buyer to acquire the price of the commercial transaction object paid from the financial institution by deducting financial institution expenses which are expenses related to the borrowing, and the financial institution expenses are charged to the buyer to support an accounting business for applying a deduction of the financial institution expenses of the price of the commercial transaction object to the expenses paid from the buyer.SOLUTION: An expense data generation part generates expense data of financial institution expenses to which deduction information indicating that the financial institution expenses are appropriated for the deduction of the financial institution expenses from the price of the commercial transaction object is added on the basis of the input content of the contract registration screen. The journalizing data generation part generates journalizing data of the financial institution miscellaneous expenses with a debit account as cash, a debit amount as an amount of the financial institution miscellaneous expenses, a credit account as an advance, and an amount of the credit as an amount of the financial institution miscellaneous expenses after receiving the financial institution miscellaneous expenses from the buyer.SELECTED DRAWING: Figure 3

Description

[Technical Field]

[0001] The present invention relates to a business support device, a business support method, and a business support program. [Background technology]

[0002] Patent document 1 (JP Patent Publication No. 2023-110940) discloses a support system that allows a real estate company to advance the amount required up to the time of delivery of the home, eliminating obstacles to deciding to purchase a custom-built home, and calculates the exact amount to be advanced at that time.

[0003] In this support system, the custom-built home sales support server is equipped with a home specification setting module, a property status management module, a client information management module, a cost calculation module, and a communication / call module.

[0004] The home specification setting module receives access from real estate sales terminals and sets home specifications based on various information about custom homes or the buyer's requests, storing them in a database. The property status management module checks the condition of the land on which construction is planned and stores this in a database. The client information management module checks the client's personal information, and the cost calculation module assists in calculating the amount of various expenses that must be paid before the execution of a bridge loan or mortgage. The communication and call module provides custom home sales business support services through communication with related parties, including buyers.

[0005] This allows the real estate company to advance the amount required up to the time of delivery of the home, removing any obstacles to the purchase decision when purchasing a custom-built home, and also makes it possible to calculate the exact amount to be advanced at that time.

[0006] In paragraph 0037 of this Patent Document 1, a technology is disclosed for calculating the stamp duty for the loan agreement for a sales contract or a mortgage contract, the fixed asset tax for the purchase of acquired land from the contract contents, calculating the bridge loan interest from the required bridge loan amount, and obtaining the brokerage fee and registration fee.The technology also discloses a technology for obtaining the cost of ground investigation and the cost of improvement work from a database, if necessary, to calculate the various expenses (advance payment expenses) to be paid before the mortgage loan is executed, which the real estate agent has paid in advance. [Prior art documents] [Patent documents]

[0007] [Patent Document 1] Japanese Patent Application Publication No. 2023-110940 Summary of the Invention [Problem to be solved by the invention]

[0008] If the seller brokers (acts as an agent for) a loan contract when purchasing a commercial transaction object, the financial institution transfers the payment for the commercial transaction object to the seller. At this time, the financial institution deducts various fees, such as commissions, related to the loan contract from the payment for the commercial transaction object and transfers the resulting amount to the seller (payment after deducting various fees).

[0009] Such deductible payments for various expenses would later have to be applied by requesting the buyer to cover the deductions made by the financial institution, which created the problem of accounting work becoming a burden on the person in charge.

[0010] The present invention has been made in consideration of the above-mentioned problems, and aims to provide a business support device, a business support method, and a business support program that can reduce the burden on a person in charge of accounting work for deposits after deducting various expenses. [Means for solving the problem]

[0011] In order to solve the above-mentioned problems and achieve the object, the business support device of the present invention performs loan brokerage services for the buyer, in which the buyer borrows the price of the commercial transaction object purchased from a financial institution, thereby obtaining the price of the commercial transaction object that is deposited from the financial institution after deducting various financial institution fees, which are various expenses related to the borrowing, and charging the various financial institution fees to the buyer, thereby supporting accounting work in which the fees deposited from the buyer are used to cover the deduction of various financial institution fees from the price of the commercial transaction object.The business support device has: a miscellaneous expense data generation unit that generates miscellaneous expense data for various financial institution fees with added deduction information indicating that the fees are to be applied to the deduction of various financial institution fees from the price of the commercial transaction object, based on the input contents of the contract registration screen; and an accounting data generation unit that, after the various financial institution fees are deposited from the buyer, references a memory unit in which the items of the miscellaneous expense data for the various financial institution fees with added deduction information are stored, and generates accounting data for the various financial institution fees with the debit item as cash, the debit amount as the amount of various financial institution fees, the credit item as the advance payment, and the credit amount as the amount of various financial institution fees.

[0012] In order to solve the above-mentioned problems and achieve the object, the business support method according to the present invention provides a loan brokerage service for a buyer to borrow the payment for a commercial transaction object purchased by the buyer from a financial institution, and the payment for the commercial transaction object is received from the financial institution after deducting various financial institution fees, which are various expenses related to the borrowing, and the method charges the buyer the various financial institution fees, thereby supporting accounting work in which the amount of the payment for the commercial transaction object after deduction of the various financial institution fees is used to cover the amount of the payment for the commercial transaction object, and the various fee data generation unit performs the following based on the input contents on the contract registration screen: The method includes an expense data generation step for generating expense data for financial institution expenses to which deduction information has been added indicating that the expenses are to be applied to the deduction of financial institution expenses from the price of the commercial transaction object, and an accounting data generation step in which, after the buyer has deposited the financial institution expenses, the accounting data generation unit references a memory unit in which the expense data items for the financial institution expenses to which the deduction information has been added are stored, and generates accounting data for the financial institution expenses in which the debit item is cash, the debit amount is the amount of financial institution expenses, the credit item is the advance payment, and the credit amount is the amount of financial institution expenses.

[0013] In order to solve the above-mentioned problems and achieve the object, the business support program of the present invention is a business support program that causes a computer of a business support device to function, which supports accounting work of performing a loan brokerage business for a buyer to borrow money from a financial institution for the purchase of a commercial transaction object, obtaining the purchase price of the commercial transaction object from the financial institution after deducting various financial institution fees, and charging the buyer for the various financial institution fees, thereby using the fees received from the buyer to cover the amount of the purchase price of the commercial transaction object after deducting the various financial institution fees, and The system functions as a miscellaneous expense data generation unit that generates miscellaneous expense data for financial institution expenses with deduction information added to indicate that the expenses are to be applied to the deduction amount of financial institution expenses from the price of the commercial transaction based on the input contents on the contract registration screen, and as an accounting data generation unit that, after the buyer deposits the financial institution expenses, references a memory unit that stores the items of the miscellaneous expense data for financial institution expenses with deduction information added, and generates accounting data for the financial institution expenses with the debit item as cash, the debit amount as the amount of financial institution expenses, the credit item as the advance payment, and the credit amount as the amount of financial institution expenses. [Effects of the Invention]

[0014] The present invention can reduce the burden of accounting work on the person in charge of receiving payments after deducting various expenses. [Brief explanation of the drawings]

[0015] [Figure 1] FIG. 1 is a diagram for explaining the deposit after deduction of various expenses under a loan contract. [Figure 2] FIG. 2 is a diagram illustrating the types of transfers that take place between a real estate buyer, a bank, and a real estate developer under a loan agreement. [Figure 3] FIG. 3 is a block diagram showing a hardware configuration of the task assistance device according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of the control master table. [Figure 5]FIG. 5 is a diagram illustrating an example of the account master table. [Figure 6] FIG. 6 is a diagram illustrating an example of the property master table. [Figure 7] FIG. 7 is a diagram illustrating an example of the section master table. [Figure 8] FIG. 8 is a diagram illustrating an example of the contract master table. [Figure 9] FIG. 9 is a diagram illustrating an example of an expense item master table. [Figure 10] FIG. 10 is a diagram showing an example of a financial product master table. [Figure 11] FIG. 11 is a diagram showing an example of the contract registration screen. [Figure 12] FIG. 12 is a diagram illustrating an example of collection schedule data. [Figure 13] FIG. 13 is a diagram showing an example of collection schedule data to which a deduction category has been added. [Figure 14] FIG. 14 shows a contract registration screen for various fees. [Figure 15] FIG. 15 is a diagram illustrating an example of miscellaneous expense data. [Figure 16] FIG. 16 is a diagram showing an example of the deposit reconciliation screen. [Figure 17] FIG. 17 is a diagram showing the deposit reconciliation data. [Figure 18] FIG. 18 is a diagram showing an example of journal data of the deposit for which the payment clearing process has been performed. [Figure 19] FIG. 19 is a diagram showing an example of the miscellaneous expenses confirmation screen. [Figure 20] FIG. 20 is a diagram showing an example of collection schedule data for the bank's various fees and the real estate developer's loan brokerage fee, which are the determined various fees. [Figure 21] FIG. 21 is a diagram showing an example of journal data of loan brokerage fees for a real estate developer, which is generated as accounts receivable / sales when various expenses are determined. [Figure 22] FIG. 22 is a diagram showing an example of a payment reconciliation screen for performing payment reconciliation processing for the various expenses paid by the buyer. [Figure 23] FIG. 23 is a diagram showing an example of payment reconciliation data of various expenses paid by the buyer. [Figure 24] FIG. 24 is a diagram showing an example of journal data of various expenses paid by the buyer. [Figure 25] FIG. 25 is a diagram showing an example of the remaining balance payment settlement screen. [Figure 26] FIG. 26 is a diagram showing an example of the remaining balance payment reconciliation data. [Figure 27] FIG. 27 is a diagram illustrating an example of journal data of the remaining balance. DETAILED DESCRIPTION OF THE INVENTION

[0016] An example of application of the present invention to a terminal device of a real estate developer who sells real estate and also acts as an agent for signing loan contracts when selling real estate properties will be described in detail below with reference to the drawings as an embodiment of a business support device. Note that the present invention is not limited to the following embodiment.

[0017] (overview) In a real estate purchase and sale contract, the buyer may be required to pay various fees in addition to the property price. For example, there are home loans where real estate developers partner with banks to offer preferential interest rates. When such a home loan is signed, the funds provided under the loan contract are transferred directly from the bank to the real estate developer, as shown in Figure 1. At this time, the bank's various fees for the home loan are deducted from the loaned funds and transferred to the real estate developer (deposit net of loan fees).

[0018] The buyer pays the bank loan commission to the real estate developer as miscellaneous expenses. The real estate developer also charges the buyer a loan brokerage fee for handling the loan contract brokerage (agency work) and the bank. The buyer also pays this loan brokerage fee to the real estate developer as miscellaneous expenses.

[0019] On the real estate developer's side, the bank deducts various loan fees from the deposit, leaving the amount that is less than the purchase price of the property, so the above-mentioned fees paid by the buyer are used to cover the shortfall in the purchase price of the property after deducting the amount from the bank (since the fees themselves have been deducted, the amount is considered paid).

[0020] Essentially, miscellaneous expenses are expenses incurred in purchasing a property, so all amounts received from the buyer are managed as deposits. However, when a buyer takes out a loan, the loan brokerage fee charged to the buyer by the developer is recorded as sales. In other words, even though they are both "miscellaneous expenses," the accounting treatment is different for miscellaneous expenses that are applied to the loan expense deduction deposit and loan brokerage fees. Below are some examples of miscellaneous expenses.

[0021] Miscellaneous expenses (expenses related to the property) → Stamp duty, real estate acquisition tax, registration and license tax, judicial scrivener's fees, estimated fixed asset and city planning tax, repair reserve fund, brokerage fee, loan agency fee, etc.

[0022] Miscellaneous expenses (costs related to loans) → administrative fees, stamp duty on loan agreements, judicial scrivener's fees, registration and license tax on mortgage establishment, etc.

[0023] Generally, "deposits as purchase price" and "deposits as miscellaneous expenses" were managed separately, but accounting work corresponding to deposits from banks after deducting various loan expenses became difficult.

[0024] In addition, because the payment of various fees from the buyer is a deposit to hold the costs of purchasing the real estate property, it is normally recorded as a "deposit," but the loan brokerage fee, which is also recorded as a miscellaneous fee, is recorded as a deposit against sales. Therefore, the expenses to cover the shortfall in the price of the real estate property after deducting the loan miscellaneous fees and the loan brokerage fee were accounted for differently, which was a burden on the person in charge.

[0025] The business support device according to the embodiment aims to reduce the burden of accounting work on the person in charge of the loan contract-based loan fee deduction and loan mediation fee.

[0026] (Hardware configuration) Fig. 3 is a block diagram illustrating the hardware configuration of a business support device 1 according to an embodiment. As shown in Fig. 3, the business support device 1 according to an embodiment includes a storage unit 2, a control unit 3, a communication interface unit 4, and an input / output interface unit 5. An input device 6 and an output device 7 are connected to the input / output interface unit 5. The output device 7 corresponds to a display unit such as a monitor device (including a home television), a printing device, or a speaker device. The input device 6 may be a keyboard device, a mouse device, a microphone device, or a monitor device that cooperates with a mouse device to realize a pointing device function.

[0027] The communication interface unit 4 is connected to a network 50, which may be a wide area network such as the Internet or a private network such as a LAN (Local Area Network). A buyer terminal device 51 of a buyer who has purchased a real estate property is connected to the network 50. The buyer deposits the loan deposit, balance, various fees, etc., via this buyer terminal device 51 to the business support device 1 of the real estate developer (or the bank terminal device of the bank where the real estate developer has a bank account).

[0028] Also connected to the network 50 is a bank terminal device 52 of the bank that made the loan contract. The bank transfers the price of the real estate property under the loan contract, minus the bank's commission, to the business support device 1 of the real estate developer via this bank terminal device 52.

[0029] A storage device such as a ROM (Read Only Memory), a RAM (Random Access Memory), an HDD (Hard Disk Drive), or an SSD (Solid State Drive) can be used as the storage unit 2. The storage unit 2 stores a business support program that supports the input of account items corresponding to expenses.

[0030] The storage unit 2 also has a control master table 11, an account master table 12, an object master table 13, a plot master table 14, a contract master table 15, an expense item master table 16, and a financial product master table 17, each of which is a storage area. The storage unit 2 also has a collection schedule data storage unit 18, an expense data storage unit 19, a deposit reconciliation data storage unit 20, and a journal data storage unit 21, each of which is a storage area.

[0031] The control master table 11 stores the account code and account name of the miscellaneous expense deposit account, as shown in Figure 4. The control master table 11 also stores the account code and account name of the accounts receivable account. In the example of Figure 4, the account code and account name of the miscellaneous expense deposit account are set to "3549: Miscellaneous expense deposit." Furthermore, the account code and account name of the accounts receivable account are set to "1130: Accounts receivable."

[0032] The account master table 12 stores the account code of the real estate developer's bank account and the account at the time of deposit, each associated with the other, as shown in Figure 5. In the example of Figure 5, the account code is "100" and "1000:Cash" is set as the account at the time of deposit.

[0033] The property master table 13 stores the property code and property name of the real estate property purchased by the buyer, as shown in Figure 6. The example in Figure 6 shows that the property code is "001" and the property name is "XX Apartment."

[0034] The plot master table 14 stores the property code, plot number, and price of a real estate property, as shown in Fig. 7. The example in Fig. 7 shows that the prices of "Rooms 101" to "Rooms 103" of a real estate property with a property code of "001" are each 41 million yen.

[0035] The contract master table 15 stores the contract number, property code, plot number, and contractor name in association with each other, as shown in Fig. 8. The example in Fig. 8 shows that "User A," "User B," and "User C" are contractors for "Rooms 101" to "Rooms 103" of a real estate property with a property code of "001," respectively.

[0036] The expense item master table 16 stores the expense item code, expense item name, expense item type, purchase price deposit account, and sales account, as shown in Figure 9. In the example of Figure 9, the expense item code for "deposit" is "010", the expense item type is "6: purchase price", the purchase price deposit account is "3542: advance payment", and the sales account is "NULL (not set)".

[0037] In the example of Figure 9, the expense code for "balance" is "030," the expense type is "6: Purchase price," the account at the time of purchase price deposit is "3542: Advance payment," and the sales account is "NULL (not set)." The expense code for "miscellaneous expenses" is "090," the expense type is "6: Miscellaneous expenses," and the account at the time of purchase price deposit and the sales account are both "NULL (not set)." The expense code for "loan brokerage fee" is "091," the expense type is "7: Miscellaneous expenses sales," the account at the time of purchase price deposit is "NULL (not set)," and the sales account is "500: Sales."

[0038] The financial product master table 17 stores financial product codes, financial product names, and deduction categories, as shown in Fig. 10. In the example of Fig. 10, for the "XX Bank Affiliated Loan" with financial product code "50", a deduction category of "0: None" is set, indicating that the bank does not deduct various loan expenses from the loan contract, i.e., the purchase price of the property is deposited after deducting various bank expenses, according to the loan contract. Also, for the "XX Bank Affiliated Loan" with financial product code "51", a deduction category of "1: Yes" is set, indicating that the bank does deduct various bank expenses from the loan contract, i.e., the purchase price of the property is deposited after deducting various bank expenses, according to the loan contract.

[0039] (Functional configuration of business support device) Next, the control unit 3 executes the business support program stored in the memory unit 2, thereby functioning as a data generation unit 31, a communication control unit 32, a display control unit 33, and an output control unit 34, as shown in Fig. 1. The data generation unit 31 includes the functions of an expense data generation unit 35, a journal data generation unit 36, a collection schedule data generation unit 37, and a deposit reconciliation data generation unit 38.

[0040] Based on the input contents on the contract registration screen (see Figure 14), the miscellaneous expenses data generation unit 35 generates miscellaneous expenses data for financial institution expenses to which deduction information (deduction flag and deduction target collection schedule number in Figure 15) indicating that the miscellaneous expenses are to be applied to the deduction of financial institution expenses from the price of the commercial transaction object (real estate property) is added (see Figure 15).

[0041] After the buyer deposits the financial institution fees, the journal data generation unit 36 ​​refers to the memory unit (account master table 12 in Figure 5 and expense item master table 16 in Figure 9) in which the items of the financial institution fees data with deduction information added are stored, and generates journal data for the financial institution fees in which the debit item is cash, the debit amount is the amount of financial institution fees, the credit item is the advance payment, and the credit amount is the amount of financial institution fees (see Figure 24).

[0042] In addition, based on the input contents on the contract registration screen (see Figure 14), the miscellaneous expense data generation unit 35 generates miscellaneous expense data indicating the financial institution's miscellaneous expenses as well as miscellaneous expense data indicating the real estate developer's loan brokerage fee (see Figure 15).

[0043] In this case, the journal data generation unit 36 ​​generates journal data for loan brokerage fees, along with the journal data for financial institution expenses, in which the debit item is cash, the debit amount is the amount of loan brokerage fees, the credit item is accounts receivable, and the credit amount is the amount of loan brokerage fees (see Figures 5, 9, and 24).

[0044] In addition, when billing the buyer for financial institution fees and loan brokerage fees, the journal data generation unit 36 ​​refers to the memory unit (the control master table 11 shown in Figure 4 and the expense item master table 16 shown in Figure 9) and generates journal data for the loan brokerage fee, with the debit item being accounts receivable, the debit amount being the amount of the loan brokerage fee, the credit item being sales, and the debit amount being the amount of the loan brokerage fee (see Figure 21).

[0045] (Processing when various expenses are deducted from the deposit) Next, a process performed in the business support device 1 according to the embodiment when various expenses are deducted and the payment is made will be described.

[0046] (1. Registration of financial plan (planned payment of purchase price) by contract registration) First, when registering a financial plan, the person in charge specifies the display of a contract registration screen via the input device 6. In response, the display control unit 33 displays the contract registration screen, an example of which is shown in FIG. 11, via the output device 7.

[0047] The person in charge enters the property code on this contract registration screen, selects the plot number and contract number, and enters the name of the contractor. The person in charge also selects the deposit item as part of the financial plan, and enters the amount to be allocated to the purchase price and the expected date of payment. The example in Figure 11 is an example in which "010: Deposit" and "030: Balance" are selected as deposit items. Also, "1 million yen" is entered as the amount of the deposit to be allocated to the purchase price, and "40 million yen" is entered as the amount of the balance to be allocated to the purchase price.

[0048] The person in charge also selects the financial product used by the buyer to purchase the real estate property, Room 102 of the XX Apartment, in the deposit item of "Remaining Balance." The example in FIG. 11 shows an example in which the financial product "51: XX Bank Affiliated Loan" was selected. The display control unit 33 references the financial product master table 17 shown in FIG. 10 based on the financial product code (51) of the selected financial product, and detects the deduction category set for the XX Bank Affiliated Loan with the financial product code "51." In this case, the deduction category "1: Yes" is detected, indicating that the bank is a bank that makes loan expense deduction deposits, where the property price is deposited after deducting various expenses on the bank's side according to the loan contract.

[0049] The display control unit 33 displays a check mark in the deduction category display area of ​​the "remaining balance" displayed in the financial plan display column of the contract registration screen shown in Figure 11, indicating that the financial product of the XX Bank affiliated loan is a bank that will make the deduction deposit for loan expenses.

[0050] Next, the person in charge performs input operations and selection operations on the contract registration screen, and then presses the registration button. As a result, the collection schedule data generation unit 37 generates collection schedule data including the collection schedule number, collection schedule category, property code, plot number, contract number, expense item code, amount, scheduled payment date, financial product code, and deduction target collection schedule number based on the input contents and selection contents on the contract registration screen, as exemplified in Fig. 12, and stores the data in the collection schedule data storage unit.

[0051] The collection schedule classification is information for classifying and managing the billing details of the collection schedule data, with "0" indicating that the collection schedule data is to be collected as the purchase price, and "2" indicating that the collection schedule data is to be collected as miscellaneous expenses. In the example of Figure 12, the collection schedule data for the deposit and the remaining amount are each "0: to be collected as the purchase price."

[0052] (2. Registration of various expenses through contract registration) Next, the person in charge registers the various expenses to be charged to the buyer in the various expenses input field on the contract registration screen as shown in Fig. 14. In this example, the person in charge registers the bank's various expenses (090) that were deducted from the payment when the bank received the payment for the real estate property, and the real estate developer's loan brokerage fee (091) as various expenses.

[0053] In addition, the person in charge enters a check mark in the "Deduct" input field because miscellaneous expenses (090) are expenses on the bank's side.

[0054] Here, the collection schedule data generation unit 37 refers to the collection schedule data shown in Fig. 12 and detects collection schedule data whose collection schedule classification is "0 (sales amount)". As a result, collection schedule data with collection schedule numbers of "004" and "005" are detected.

[0055] For the detected collection schedule data with a collection schedule category of "0 (trading amount)", the collection schedule data generation unit 37 adds a deduction category corresponding to the financial product code from among the deduction categories set in the financial product master table 17 shown in Figure 10 to each collection schedule data, as shown in Figure 13. In the example of Figure 13, the financial product code of the collection schedule data "004" is "NULL (not set)", so the collection schedule data generation unit 37 adds a deduction category of "0: None". In contrast, the financial product code of the collection schedule data "005" is "51", so the collection schedule data generation unit 37 adds a deduction category of "1: Yes".

[0056] The collection schedule data generating unit 37 sets the expense item code of the expense item master table 16 shown in FIG. 9 as the expense item code of the collection schedule data.

[0057] Next, the display control unit 33 enables the selection of the "balance" with the deduction category "1: Yes" added as the deduction target for "090: Miscellaneous Expenses" for which a check mark has been entered on the contract registration screen shown in Fig. 14. As a result, the bank's miscellaneous expenses will be deducted from the "balance" deposited by the buyer.

[0058] Next, when the person in charge performs the registration operation of the miscellaneous expenses entered in this manner via the contract screen, the miscellaneous expenses data generation unit 35 generates miscellaneous expenses data for the bank's miscellaneous expenses and miscellaneous expenses data for the loan brokerage fee, including the property code, plot number, contract number, expense item code, amount, deduction flag, and scheduled collection number for deduction, as shown in Figure 15, and stores them in the miscellaneous expenses data storage unit 19.

[0059] Of this miscellaneous expense data, for the miscellaneous expense data of bank expenses, the miscellaneous expense data generation unit 35 sets the miscellaneous expense deduction flag of "090" for which a check mark has been entered in the "deduction" input field on the contract registration screen to "1", and adds its scheduled collection number "005 (see Figure 13)" as the scheduled collection number to be deducted.

[0060] (3. Reconciliation of deposit) Next, when the buyer deposits the deposit, the person in charge specifies the display of a deposit reconciliation screen. As a result, the display control unit 33 displays the deposit reconciliation screen shown in Fig. 16 via the output device 7. The person in charge enters the deposit date, deposit amount, and account (real estate developer's bank account) on this deposit reconciliation screen.

[0061] As a result, the display control unit 33 displays the reconciliation targets including the expense item, amount, property, plot number, and contractor in the reconciliation target display field on the payment reconciliation screen as shown in Figure 16, based on the collection schedule data shown in Figure 13. The person in charge selects the deposit received from the buyer as the reconciliation target from the reconciliation targets displayed on the payment reconciliation screen (by ticking the box).

[0062] As a result, the deposit reconciliation data generation unit 38 generates deposit reconciliation data for performing the deposit reconciliation process for the deposit of "1 million yen" as shown in FIG.

[0063] When generating this deposit reconciliation data, the deposit reconciliation data generation unit 38 sets the account code of the deposit reconciliation data to the account code of the account master table 12 shown in Figure 5. In addition, the deposit reconciliation data generation unit 38 sets the scheduled collection number of the scheduled collection data shown in Figure 13 to the scheduled collection number of the deposit reconciliation data.

[0064] Next, based on this deposit reconciliation data and the scheduled collection data shown in Figure 13, the journal data generation unit 36 ​​generates journal data for the deposit as shown in Figure 18, with the debit item set to "1000: Cash," the debit amount set to "1 million yen," the credit item set to "3542: Advance payment," the credit amount set to "1 million yen," and the date of occurrence added, and stores this in the journal data storage unit 21.

[0065] Specifically, the journal data generation unit 36 ​​sets the date of occurrence of the journal data to the payment reconciliation date of the payment reconciliation data shown in Fig. 17. In addition, the journal data generation unit 36 ​​sets the payment item in the account master table 12 shown in Fig. 5 as the debit item, and sets the amount of the payment reconciliation data as the debit amount.

[0066] Furthermore, when the planned collection category of the planned collection data is "0 (planned collection as trading value)", the journal data generation unit 36 ​​sets the trading value deposit account in the expense item master table 16 shown in FIG. 9 as a credit account.

[0067] In contrast, if the planned collection category of the planned collection data is "2 (planned collection as miscellaneous expenses)" and the planned collection number to be deducted is not NULL, the journal data generation unit 36 ​​sets the account at the time of deposit of the purchase price of the item to be deducted in the expense item master table 16 as a credit account.

[0068] In addition, if the planned collection category of the planned collection data is "2 (planned collection as miscellaneous expenses)" and the item type of the item master is "7 (miscellaneous expenses sales)", the journal data generation unit 36 ​​sets the accounts receivable item in the item master table 16 as a credit item.

[0069] In addition, if the planned collection category of the planned collection data is "2 (planned collection as miscellaneous expenses)", and the planned collection number to be deducted is not other than NULL, and the item type of the item master is other than "7 (miscellaneous expenses sales)", the journal data generation unit 36 ​​will treat the miscellaneous expenses deposit item in the item master table 16 as a credit item.

[0070] (4. Based on the finalized costs, we will send the buyer a notice to transfer the remaining balance.) Next, the person in charge specifies the display of the miscellaneous expenses confirmation screen via the input device 6. As a result, the display control unit 33 displays the miscellaneous expenses confirmation screen, including the property code, plot number, contract number, contractor, confirmation date, scheduled delivery date, and miscellaneous expenses (bank fees and real estate developer loan brokerage fees), via the output device 7, as shown in FIG. 19. The person in charge confirms the miscellaneous expenses to be sent to the buyer by inputting a check mark (a tick mark) for the miscellaneous expenses for which a balance transfer notice is to be sent to the buyer and pressing the Confirm button. As a result, a balance transfer notice is sent to the buyer based on the confirmed miscellaneous expenses data.

[0071] In addition, the collection schedule data generation unit 37 generates new collection schedule data corresponding to the bank's various fees and the real estate developer's loan brokerage fee that are scheduled to be collected when the remaining balance transfer guide is sent to the buyer, as shown in Figure 20, and stores this data in the collection schedule data storage unit 18.

[0072] Of the collection schedule data shown in Figure 20, the collection schedule data with the expense item code "090 (see Figure 9)" is the collection schedule data for the bank's miscellaneous expenses, and the collection schedule data with the expense item code "091 (see Figure 9)" is the collection schedule data for the real estate developer's loan brokerage fee. Both are to be collected as miscellaneous expenses, so the collection schedule category is "2 (planned to be collected as miscellaneous expenses)." In addition, the collection schedule data for the bank's miscellaneous expenses that are designated to be collected from the remaining balance is assigned the deduction collection schedule number "005" (see Figure 13).

[0073] In addition, the real estate developer's loan brokerage fee is included in the miscellaneous expenses sales invoice. Therefore, when the miscellaneous expenses are finalized, the journal data generation unit 36 ​​generates journal data as shown in Figure 21, in which the date the miscellaneous expenses were finalized is set as the date of occurrence, the accounts receivable item (1130: accounts receivable) in the control master table 11 shown in Figure 4 is set as the debit item, the amount of the loan brokerage fee is set as the debit amount, the sales item (500: sales) in the expense item master table 16 shown in Figure 9 is set as the credit item, and the amount of the loan brokerage fee is set as the credit amount. This is stored in the journal data storage unit 21. As a result, even though they are the same miscellaneous expenses, the real estate developer's loan brokerage fee, which is included in sales, can be accounted for separately from the bank's miscellaneous expenses.

[0074] (5. Clearing the payment of various expenses received from the buyer) Next, when the buyer transfers the bank's fees and the real estate developer's loan brokerage fee, the person in charge specifies the reconciliation of the deposit by inputting a check mark on the deposit reconciliation screen shown in Figure 22, specifying that the bank's fees (090) and the real estate developer's loan brokerage fee (091) should be reconciled.

[0075] As a result, the deposit reconciliation data generation unit 38 generates deposit reconciliation data for the bank's various fees and the real estate developer's loan brokerage fee for which deposit reconciliation has been specified, as shown in Figure 23, and stores this data in the deposit reconciliation data storage unit 20.

[0076] 24, the journal data generation unit 36 ​​generates journal data for the bank's miscellaneous expenses and the real estate developer's loan brokerage fee that have been cleared, and stores the data in the journal data storage unit 21. At this time, as shown in FIG. 20, the collection schedule data for the collection schedule number "006" is assigned the deduction target collection schedule number "005", so the journal data generation unit 36 ​​generates journal data for the bank's miscellaneous expenses for the expense item that is the deduction target.

[0077] Specifically, when the journal data generation unit 36 ​​generates journal data for bank expenses, it sets the deposit settlement date as the date of occurrence, the debit account as "1000: Cash" (see Figure 5), the debit amount as the amount of the deposit settlement data (500,000 yen), the credit account as "3542: Advance receipt" (see Figure 9), and the credit amount as the amount of the deposit settlement data (500,000 yen).

[0078] Furthermore, when the journal data generation unit 36 ​​generates journal data for a real estate developer's loan brokerage fee, it sets the deposit settlement date as the date of occurrence, the debit account as "1000: Cash" (see Figure 5), the debit amount as the amount of the deposit settlement data (100,000 yen), the credit account as "1130: Accounts receivable" (see Figure 4), and the credit amount as the amount of the deposit settlement data (100,000 yen).

[0079] (6. Receipt of remaining balance) Next, when the remaining amount of the purchase price of the real estate is paid in full from the buyer, the person in charge performs a write-off operation for the remaining amount via the deposit write-off screen shown in Fig. 25. This causes the deposit write-off data generation unit 38 to generate deposit write-off data for the remaining amount as shown in Fig. 26 and store it in the deposit write-off data storage unit 20.

[0080] In addition, as shown in Figure 27, the journal data generation unit 36 ​​generates journal data in which the payment settlement date is the date of occurrence, the debit item is ``1000: Cash'' (see Figure 5), the debit amount is the full amount of the remaining balance, the credit item is ``3542: Advance receipt'' (see Figure 9), and the credit amount is the full amount of the remaining balance, and stores this in the journal data storage unit 21.

[0081] (Effects of the embodiment) As is clear from the above explanation, the business support device 1 of the embodiment can reduce the burden on the person in charge of accounting work for deposit after deducting various bank fees, by entering into a loan contract at the time of purchasing a real estate property, in which the bank deposits the purchase price to the real estate developer after deducting various bank fees.

[0082] In addition, by mediating the loan contract, the bank charges the buyer a loan mediation fee along with various bank expenses, and the buyer then remits the bank expenses and loan mediation fee. Of these, the loan mediation fee is accounted for as sales. This further reduces the accounting burden on the person in charge.

[0083] [Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This invention can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of goals "8" and "9" of the SDGs.

[0084] Furthermore, this invention can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs goals 12, 13, and 15.

[0085] Furthermore, the present invention can contribute to strengthening control and governance, thereby contributing to the achievement of Goal 16 of the SDGs.

[0086] [Other embodiments] The present invention can be implemented in various different forms other than the above-described embodiments within the scope of the technical concept described in the claims.

[0087] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically may be performed manually, or all or part of the processes described as being performed manually may be performed automatically using a known method or the like.

[0088] Furthermore, the processing procedures, control procedures, specific names, registered data for each process, information including parameters such as search conditions, screen examples, and database configurations shown in the specification or drawings may be changed as desired unless otherwise specified.

[0089] Furthermore, the components of the business support device 1 shown in the figure are conceptual functional components and do not necessarily have to have the physical configuration shown in the figure. For example, all or any part of the processing functions of the business support device 1, particularly the processing functions performed by the control unit 3, may be realized by a program interpreted and executed by the control unit 3 (CPU: Central Processing Unit), or may be realized by hardware using wired logic.

[0090] The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processes described in the embodiments, and is mechanically read by the business support device 1 as needed. That is, a computer program is recorded in the storage unit 2, such as a ROM or HDD, for working with an OS (Operating System) to give instructions to a control unit 3 (CPU) and perform various processes. The computer program is loaded into RAM, expanded, and executed by the control unit 3 as appropriate.

[0091] In addition, the business support program of this business support device 1 may be stored in another server device connected to the business support device 1 via any network, and all or part of it may be downloaded and executed as needed.

[0092] Furthermore, the business support program for executing the processes described in the embodiments may be stored in a non-transitory computer-readable recording medium, or may be configured as a program product.

[0093] Here, the "recording medium" can be any "portable physical medium" such as a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical Disk), a DVD (Digital Versatile Disk), and a Blu-ray (registered trademark) Disc.

[0094] Furthermore, a "program" is a data processing method written in any language or description method, regardless of the format, such as source code or binary code.

[0095] It should be noted that a "program" is not necessarily limited to a single structure, but includes a structure that is distributed as multiple modules or libraries, and a structure that achieves its function by working together with other programs, such as an OS.

[0096] Furthermore, the specific configuration for reading the recording medium in the task support device 1 of the embodiment, the reading procedure, and the installation procedure after reading can be any known configuration or procedure.

[0097] The memory unit 2 is a storage means such as a memory device such as RAM or ROM, a fixed disk device such as a hard disk, a flexible disk, or an optical disk, and stores various programs, tables, databases, web page files, etc. used for various processes or providing websites.

[0098] The business support device 1 may be configured as an information processing device such as a known personal computer or a workstation, or may be configured as an information processing device connected to any peripheral device. The information processing device may be implemented with software (including programs or data) that realizes the processes described in the embodiments.

[0099] Furthermore, the specific forms of distribution and integration of the devices are not limited to those shown in the drawings, and all or part of them can be functionally or physically distributed or integrated in any unit depending on various additions or functional loads. In other words, the above-mentioned embodiments can be selectively implemented by combining them in any way. [Industrial Applicability]

[0100] The present invention is suitable for application to accounting work for the deduction of various fees from financial institutions under loan contracts, and is applicable to real estate loan contracts, for example. [Explanation of symbols]

[0101] 1 Business support equipment 2 Storage section 3. Control Unit 4. Communication interface section 5 Input / Output Interface Section 6 Input Devices 7 Output Devices 11 Control Master Table 12 Account Master Table 13 Property Master Table 14 Parcel Master Table 15 Contract Master Table 16 Expense item master table 17 Financial Instrument Master Table 18 Scheduled Collection Data Storage Unit 19 Miscellaneous expenses data storage section 20. Deposit reconciliation data storage section 21 Journal data storage unit 31 Data Generation Unit 32 Communication control section 33 Display control unit 34 Output control section 35 Miscellaneous Expense Data Generation Department 36 Journal data generation unit 37 Collection schedule data generation section 38 Deposit reconciliation data generation unit 50 Network 51 Buyer terminal device 52 Bank terminal equipment

Claims

1. A business support device that supports accounting work in which the purchaser borrows the payment for a commercial transaction object purchased by the purchaser from a financial institution, acquires the payment for the commercial transaction object deposited from the financial institution after deducting various financial institution fees, which are various expenses related to borrowing, and charges the various financial institution fees to the purchaser, thereby applying the various fees deposited by the buyer to the payment for the commercial transaction object after deducting the various financial institution fees, a miscellaneous expense data generation unit that generates miscellaneous expense data of the financial institution expenses to which deduction information indicating that the miscellaneous expenses are to be applied to the deduction amount of the financial institution expenses from the price of the commercial transaction, based on the input contents of the contract registration screen; a journal data generation unit that, after the buyer has deposited the financial institution fees, references a storage unit that stores the items of the financial institution fees data to which the deduction information has been added, and generates journal data for the financial institution fees, with the debit item set to cash, the debit amount set to the amount of the financial institution fees, the credit item set to the advance payment, and the credit amount set to the amount of the financial institution fees; A business support device comprising:

2. The financial institution charges the buyer the loan brokerage fee for the loan brokerage business in addition to the financial institution charges, the miscellaneous expense data generation unit generates miscellaneous expense data indicating the loan brokerage fee together with miscellaneous expense data indicating the financial institution miscellaneous expense based on the input contents of the contract registration screen; the journal data generation unit generates, together with the journal data of the financial institution expenses, journal data of the loan broking fee, in which the debit item is cash, the debit amount is the amount of the loan broking fee, the credit item is accounts receivable, and the credit amount is the amount of the loan broking fee; 2. The business support device according to claim 1, wherein:

3. the journal data generation unit, when billing the buyer for the financial institution expenses and the loan mediation fee, refers to the storage unit and generates journal data for the loan mediation fee, with the debit item being accounts receivable, the debit amount being the amount of the loan mediation fee, the credit item being sales, and the debit amount being the amount of the loan mediation fee; 3. The business support device according to claim 2, wherein:

4. A business support method for supporting accounting work in which a loan brokerage business is performed for a buyer to borrow money from a financial institution for the purchase of a commercial transaction object, the purchase price of the commercial transaction object is received from the financial institution after deducting various financial institution fees, which are various expenses related to borrowing, and the various financial institution fees are charged to the buyer, thereby applying the various fees received from the buyer to the amount of the purchase price of the commercial transaction object after deducting the various financial institution fees, a miscellaneous expense data generation step in which the miscellaneous expense data generation unit generates miscellaneous expense data of the financial institution expenses to which deduction information indicating that the miscellaneous expense data is to be appropriated as the deduction amount of the financial institution expenses from the price of the commercial transaction, based on the input contents on the contract registration screen; a journal data generation step in which, after the buyer deposits the financial institution expenses, the journal data generation unit references a storage unit in which the items of the financial institution expenses data to which the deduction information has been added are stored, and generates journal data for the financial institution expenses, with the debit item set to cash, the debit amount set to the amount of the financial institution expenses, the credit item set to the advance payment, and the credit amount set to the amount of the financial institution expenses; A business support method comprising:

5. A business support program that causes a computer of a business support device to function, which supports accounting work of performing a loan brokerage business for a buyer to borrow money from a financial institution for the purchase of a commercial transaction object purchased by the buyer, obtaining the purchase price of the commercial transaction object deposited from the financial institution after deducting various financial institution fees, which are various expenses related to borrowing, and charging the various financial institution fees to the buyer, thereby applying the various fees deposited by the buyer to the amount of the purchase price of the commercial transaction object after deducting the various financial institution fees, The computer a miscellaneous expense data generation unit that generates miscellaneous expense data of the financial institution expenses to which deduction information indicating that the miscellaneous expenses are to be applied to the deduction amount of the financial institution expenses from the price of the commercial transaction, based on the input contents of the contract registration screen; After the buyer deposits the financial institution expenses, the system functions as a journal data generation unit that refers to a storage unit that stores the items of the financial institution expenses data to which the deduction information has been added, and generates journal data for the financial institution expenses, with the debit item set to cash, the debit amount set to the amount of the financial institution expenses, the credit item set to the advance payment, and the credit amount set to the amount of the financial institution expenses; A business support program that features:

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