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

Abstract

To stably transfer money received from one user in each prescribed accounting processing period by a contract to the other user on the date of the business day of a financial institution.SOLUTION: A charging schedule data generation part generates charging schedule data including a payment scheduled date and a payment scheduled amount in each accounting processing period by one user. A holiday processing part performs holiday processing in which the business day immediately before the non-business day or the next business day immediately after the non-business day is set as a payment scheduled day on the basis of the holiday processing section of the customer master table. The closing date adjustment unit performs a closing date adjustment process of changing the scheduled deposit date by the holiday processing to the previous business day or the next business day before the scheduled deposit date before the holiday processing, which belongs to the original accounting processing period, when the scheduled deposit date by the holiday processing is a date of the accounting processing period different from the original accounting processing period. Thus, it is possible to stably transfer money to the other user in each accounting processing period.SELECTED DRAWING: Figure 1

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] The data generation device disclosed in Patent Document 1 (JP 2018-151972 A) is a server device equipped with a search condition acquisition unit, a disclosure request generation unit, a disclosure request processing unit, and an output processing unit. The search condition acquisition unit acquires search conditions including the scheduled settlement date of electronically recorded claims acquired by a terminal device from a user. The disclosure request generation unit converts the scheduled settlement date included in the acquired search conditions into the payment due date scheduled to be settled on this scheduled settlement date, and generates a disclosure request for electronically recorded claims that includes the converted payment due date and matches the search conditions.

[0003] The disclosure request processing unit sends the generated disclosure request to the electronic claim recording institution system that records electronically recorded claims, and acquires the disclosure request results sent by the electronic claim recording institution system in response to the disclosure request. The output processing unit outputs output information related to electronically recorded claims that match the search criteria based on the acquired disclosure request results. This makes it possible to improve the convenience of searching for electronically recorded claims.

[0004] Paragraph 0038 of Patent Document 1 discloses a technology in which the disclosure request generation unit converts the acquired scheduled settlement date into a (range of) payment dates that includes the immediately preceding non-business day, since electronically recorded claims that are settled on the scheduled settlement date include those whose payment due date is the same day as the scheduled settlement date, and those whose payment due date is the immediately preceding non-business day if there is an immediately preceding non-business day.

[0005] Here, when transferring an amount deposited by one user to another user for each specified accounting period under the contract, if the scheduled transfer date (scheduled deposit date) falls on a holiday of the financial institution, the next business day will be changed to the scheduled deposit date through holiday processing, and the transfer process will be carried out. [Prior art documents] [Patent documents]

[0006] [Patent Document 1] Japanese Patent Application Publication No. 2018-151972 Summary of the Invention [Problem to be solved by the invention]

[0007] However, due to holiday processing, the scheduled deposit date for the other user may fall on or after the closing date for the other user. In this case, for example, the amount to be remitted this month will be transferred together with the amount to be remitted next month on the scheduled deposit date of the following month, such as the month after next. This causes the problem of indeterminate remittances to the other user.

[0008] The present invention has been made in view of the above-mentioned problems, and aims to provide a business support device, a business support method, and a business support program that enable a remittance business in which the remittance amount to the other user is fixed. [Means for solving the problem]

[0009] In order to solve the above-mentioned problems and achieve the object, the business support device according to the present invention is a business support device that supports a remittance business in which an amount deposited from one user for each predetermined accounting period under a contract is transferred to another user on a business day of a financial institution, and includes a billing schedule data generation unit that generates billing schedule data including a scheduled deposit date and a scheduled deposit amount for each accounting period by one user, and a customer manager that stores a holiday processing classification that indicates whether the scheduled deposit date for each accounting period is to be the business day immediately preceding the non-business day or the business day immediately following the non-business day, when the scheduled deposit date for each accounting period falls on a non-business day of the financial institution. The system has a holiday processing unit that performs holiday processing by referring to the date table and setting the scheduled deposit date to the business day immediately preceding a non-business day or the business day immediately following a non-business day, a closing date adjustment unit that performs closing date adjustment processing by changing the scheduled deposit date due to holiday processing to the business day immediately preceding or the business day immediately following the scheduled deposit date before the holiday processing, which belongs to the original accounting period, if the scheduled deposit date due to holiday processing falls on a date in an accounting period different from the original accounting period, and an output control unit that outputs the scheduled billing data for one user, which is generated by the scheduled billing data generation unit and includes the scheduled deposit date and amount due to the closing date adjustment processing, to an output target device.

[0010] In order to solve the above-mentioned problems and achieve the object, the business support method according to the present invention is a business support method for a business support device that supports a remittance business in which an amount deposited by one user for each specified accounting period under a contract is transferred to another user on a business day of a financial institution, the method comprising: a billing schedule data generation step in which a billing schedule data generation unit generates billing schedule data including a scheduled deposit date and a scheduled deposit amount for each accounting period by one user; and a holiday processing unit that stores a holiday processing classification indicating whether the scheduled deposit date for each accounting period is to be the business day immediately preceding the non-business day or the business day immediately following the non-business day when the scheduled deposit date for each accounting period falls on a non-business day of the financial institution. The system has a holiday processing step in which holiday processing is performed by referring to the customer master table and setting the scheduled deposit date to the business day immediately preceding a non-business day or the business day immediately following a non-business day; a closing date adjustment step in which a closing date adjustment unit performs closing date adjustment processing in which, if the scheduled deposit date due to the holiday processing falls on a date in an accounting processing period different from the original accounting processing period, the closing date adjustment unit changes the scheduled deposit date due to the holiday processing to the business day immediately preceding or next to the scheduled deposit date before the holiday processing, which belongs to the original accounting processing period; and an output control step in which an output control unit outputs to an output target device the scheduled billing data for one user, which is generated by the scheduled billing data generation unit and includes the scheduled deposit date and amount due to the closing date adjustment processing.

[0011] 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 that supports a remittance business in which an amount deposited from one user for each specified accounting period under a contract is transferred to another user on a business day of a financial institution, the business support device supporting a remittance business in which an amount deposited from one user for each specified accounting period under a contract is transferred to another user on a business day of the financial institution, the business support program comprising: a billing schedule data generation unit that generates billing schedule data including a scheduled deposit date and a scheduled deposit amount for each accounting period by one user; and a billing schedule data generation unit that generates billing schedule data including a scheduled deposit date and a scheduled deposit amount for each accounting period by one user when the scheduled deposit date for each accounting period corresponds to a non-business day of the financial institution, the billing schedule data generation unit generating ... The system functions as a holiday processing unit that refers to a client master table in which a holiday processing classification indicating whether the scheduled payment date should be the business day immediately preceding a non-business day or the business day immediately following a non-business day is stored and performs holiday processing to set the business day immediately preceding a non-business day or the business day immediately following a non-business day as the scheduled payment date; a closing date adjustment unit that performs closing date adjustment processing to change the scheduled payment date due to holiday processing to the business day immediately preceding or the business day immediately following the scheduled payment date before holiday processing, which belongs to the original accounting period, when the scheduled payment date due to holiday processing falls on a date in an accounting period different from the original accounting period; and an output control unit that outputs scheduled payment data for one user, generated by the scheduled payment data generation unit and including the scheduled payment date and amount due to closing date adjustment processing, to an output target device. [Effects of the Invention]

[0012] The present invention allows the remittance to the other user to be fixed. [Brief explanation of the drawings]

[0013] [Figure 1] FIG. 1 is a schematic diagram showing a remittance operation in which a deposit from a tenant is remitted to an owner in a business support device according to an embodiment. [Figure 2] FIG. 2 is a block diagram illustrating a hardware configuration of the task assistance device according to the embodiment. [Figure 3] FIG. 3 is a diagram illustrating an example of the property master table. [Figure 4] FIG. 4 is a diagram illustrating an example of the supplier master table. [Figure 5] FIG. 5 is a diagram illustrating an example of the management item master table. [Figure 6] FIG. 6 is a diagram illustrating an example of the calendar master table. [Figure 7] FIG. 7 is a diagram illustrating an example of the control master table. [Figure 8] FIG. 8 is a diagram illustrating an example of the management contract master table. [Figure 9] FIG. 9 is a diagram showing "rental contract input processing," "bill schedule data generation processing," and "owner settlement processing" included in the operation of the business support device according to the embodiment. [Figure 10] FIG. 10 is a diagram showing an example of the rental contract input screen. [Figure 11] FIG. 11 is a diagram showing an example of a billing setting screen that is displayed by operating the setting button on the rental contract input screen. [Figure 12] FIG. 12 is a diagram showing an example of rental property data. [Figure 13] FIG. 13 is a diagram showing an example of rental contract rent data. [Figure 14] FIG. 14 is a diagram showing an example of billing schedule detail data. [Figure 15] FIG. 15 is a diagram showing an example of the billing schedule data creation screen. [Figure 16] FIG. 16 is a diagram for explaining holiday processing and closing date adjustment processing. [Figure 17] FIG. 17 is a diagram for explaining the expected deposit date when the closing date adjustment process is "not performed." [Figure 18] FIG. 18 is a diagram for explaining the expected deposit date when the closing date adjustment process is "enabled." [Figure 19] FIG. 19 is a diagram showing an example of the owner settlement screen. [Figure 20]FIG. 20 is a diagram for explaining the inconvenience of unstable payments to owners when the closing date adjustment process is "none" on a deposit basis. [Figure 21] FIG. 21 is a diagram for explaining an example in which payments to owners are stabilized when the closing date adjustment process is "enabled" on a deposit basis. [Figure 22] FIG. 22 is a diagram for explaining the inconvenience of unstable cash flow for a management company when the closing date adjustment process is "not performed" on a contract basis. [Figure 23] FIG. 23 is a diagram for explaining an example in which the cash flow of a management company is stabilized when the closing date adjustment process is "enabled" on a contract basis. DETAILED DESCRIPTION OF THE INVENTION

[0014] Below, we will explain in detail, with reference to the drawings, an embodiment in which the present invention is applied to a business support device of a management company that transfers money received from tenants of real estate to the tenant owners, as shown in Figure 1.

[0015] The present invention can be applied to any business support device that supports remittance operations by mediating remittances between one user and another user under a contract, and is not limited to the following embodiments.

[0016] (overview) In the real estate management industry, management companies are responsible for transferring rents and common area charges received from tenants to owners every month. Calculating the expected deposit date is crucial in this remittance process. When calculating the expected deposit date, if the calculated date falls on a holiday, a holiday adjustment is made to shift the date to the nearest business day. This is primarily to align with the business days of financial institutions.

[0017] However, due to these holiday adjustments, the scheduled payment date may be later than the closing date. In such cases, remittances to owners may not follow a regular remittance cycle. Also, delayed payments from tenants may cause problems for the management company's cash flow.

[0018] In other words, if the scheduled payment date for rent and maintenance fees from tenants is shifted to the following month due to holiday adjustments, the remittance to the owner will be delayed until the next remittance cycle. Therefore, if remittance is made on the shifted scheduled payment date to the following month, there is a problem of destabilizing the owner's cash flow.

[0019] Furthermore, if the management company attempts to correct the delayed scheduled payment date, it must manually change it to the nearest business day within the same month, which increases the workload for the person in charge and raises the risk of operational errors.Furthermore, if tenants' payments of rent and maintenance fees are delayed, the management company's cash flow may worsen.

[0020] Therefore, in the business support device of the embodiment, if holiday adjustment results in a calculation result that falls on or after the closing date, the system automatically calculates the business days within the same month and adjusts the expected payment dates for rent, common area charges, etc. from tenants so that they always fall within the same month, thereby stabilizing the owner's cash flow and reducing the management company's cash flow risk.

[0021] (Hardware configuration) 2, the business support device 1 of the 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.

[0022] 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 local area network (LAN). A lessee terminal device 51 of the tenant's lessee and a lessee bank terminal device 52 of the bank where the lessee has a bank account are connected to the network 50. Also connected to the network 50 are an owner terminal device 53 of the tenant's owner and an owner bank terminal device 54 of the bank where the owner has a bank account.

[0023] The lessee communicates with the lessee bank terminal device 52 via the lessee terminal device 51 and transfers the tenant's rent to the management company of the business support device 1. The management company transfers the amount transferred from the lessee to the owner bank terminal device. This transfers the rent from the lessee to the owner's bank account. The owner can confirm the deposited rent by communicating with the owner bank terminal device 54 via the owner terminal device 53.

[0024] 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 standardizes the remittance business of the management company to the other user.

[0025] The storage unit 2 also has a property master table 11, a business partner master table 12, a management item master table 13, a calendar master table 14, a control master table 15, and a management contract master table 16, each of which is a storage area. The storage unit 2 also has a rental property data storage unit 17, a rental contract rent data storage unit 18, a scheduled billing detail data storage unit 19, and a scheduled payment detail data storage unit 20, each of which is a storage area.

[0026] The property master table 11 stores the property code and property name of the real estate property rented by the lessee, as shown in Figure 3. Figure 3 shows an example where the property code is "BK01" and the property name is "XX Building."

[0027] As shown in Figure 4, the customer master table 12 stores the customer code, customer name, holiday processing category, and closing date adjustment category of the owner and tenant lessee. In this example, Owner A's customer code is "OW001," and the holiday processing category is "0: Previous business day," which indicates that if the remittance date falls on a financial institution's holiday, the remittance date will be the business day before the holiday. The closing date adjustment category is also "None."

[0028] Additionally, Tenant A's client code is "T001," and the holiday processing category is "1: Next Business Day," which indicates that if the scheduled deposit date falls on a financial institution's holiday, the next business day after the holiday will be the scheduled deposit date. Furthermore, if this holiday processing results in the scheduled deposit date falling on or after the closing date, the closing date adjustment category, which indicates whether or not to perform closing date adjustment processing, which is a process that moves the scheduled deposit date to a business day within the original accounting processing period (a process that changes the scheduled deposit date to the original date of the month), is set to "Yes."

[0029] The management item master table 13 stores the management item code for rent as shown in Fig. 5. In this example, the management item code for rent is "K01".

[0030] The calendar master table 14 stores business holiday categories indicating business days or holidays (non-business days) of financial institutions for each date of each month. That is, in the calendar master table 14, business holiday categories for Saturdays, Sundays, and holidays on which financial institutions are closed are designated as "holidays," and business holiday categories for weekdays on which financial institutions are open are designated as "business days."

[0031] The example in Figure 6 shows the holiday divisions from June 28, 2024 to July 1, 2024, with the business holiday divisions for June 28, 2024 and July 1, 2024, which are weekdays, marked as "business days." Additionally, the business holiday divisions for June 29, 2024 and June 30, 2024, which are weekends, are marked as "holidays." Note that Figure 6 only shows some of the business holiday divisions (June 28, 2024 to July 1, 2024) set for each month and date.

[0032] In the control master table 15, the payment closing date for the owner is set as shown in Figure 7. This Figure 7 shows an example in which the "31st (=last day of the month)" is set as the payment closing date. Note that the payment closing date can be set to any desired date, such as the "1st (first day of the month)" or the "20th," for each desired accounting period for each month.

[0033] The management contract master table 16 contains the scheduled payment date and payment category for each property owner, as shown in Figure 8. The payment category can be set to either "deposit-based," in which payments are made to the owner when rent is received from the property lessor, or "contract-based," in which payments are made to the owner regardless of whether rent is received from the property lessor.

[0034] The example in Figure 8 illustrates both an example where the scheduled payment date calculation category is set to "the 5th of the following month" and the payment category is set to "deposit-based" for a property with a property code of "BK01," and an example where the scheduled payment date calculation category is set to "the 1st of the following month" and the payment category is set to "contract-based." In reality, either "deposit-based" or "contract-based" is set for the same property and the same owner.

[0035] (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 21, a holiday processing unit 22, a closing date adjustment unit 23, and an output control unit 24, as shown in Fig. 1. The data generation unit 21 includes the functions of a billing schedule data generation unit 25 and a payment schedule data generation unit 26.

[0036] The billing schedule data generation unit 25 of the data generation unit 21 generates billing schedule data including the expected payment date and expected payment amount for each accounting period (e.g., each month) by one user (tenant A's lessee) (see Figure 14).

[0037] When the scheduled deposit date for each accounting period corresponds to a non-business day of the financial institution, the holiday processing unit 22 refers to the customer master table 12, which stores a holiday processing classification indicating whether the scheduled deposit date should be the business day immediately preceding the non-business day or the business day immediately following the non-business day (see Figure 4), and performs holiday processing in which the scheduled deposit date is the business day immediately preceding the non-business day or the business day immediately following the non-business day (see Figure 16).

[0038] If the scheduled deposit date due to holiday processing falls on a date in an accounting period different from the original accounting period, the closing date adjustment unit 23 performs a closing date adjustment process to change the scheduled deposit date due to holiday processing to the business day immediately preceding or following the scheduled deposit date before holiday processing, which falls within the original accounting period (see Figure 16).

[0039] The output control unit 24 outputs the billing schedule data for one user (tenant A's lessee) generated by the billing schedule data generation unit 25, including the expected payment date and amount due as a result of the closing date adjustment process, to an output target device. This output target device corresponds to, for example, the output device 7, and can be a display device, a printer, or a speaker device. The output control unit 24 converts the billing schedule data into display information, print information, or audio information, and supplies it to the corresponding device.

[0040] This allows the billing schedule data to be displayed, printed or output as audio. As an output device, the storage unit 2, an external storage device or a server device on a network can be used, and the billing schedule data may be output or transmitted to these devices for storage.

[0041] The payment schedule data generation unit 26 generates payment schedule detail data including the amount indicated in the billing schedule data and the scheduled payment date for each accounting period (each month), which is the date on which the remittance will be made to the other user (see Figure 21(b)).

[0042] If the scheduled payment date corresponds to a non-business day of the financial institution, the holiday processing unit 22 changes the scheduled payment date corresponding to a non-business day of the financial institution to the nearest previous business day or the nearest next business day based on the holiday processing classification in the customer master table 12.

[0043] In this embodiment, the accounting period will be explained as a monthly period as an example. When the holiday processing section set in the customer master table 12 by the holiday processing section 22 is the previous business day and the expected deposit date is set to the beginning of the month, if the expected deposit date set to the previous business day by the holiday processing corresponds to the last day of the month, the closing date adjustment section 23 changes the expected deposit date to the first day of the next month (see FIG. 16).

[0044] In addition, if the holiday processing category set in the customer master table 12 by the holiday processing unit 22 is the next business day and the expected deposit date is set to the end of the month, and if the expected deposit date set to the next business day by holiday processing corresponds to the first day of the month, the closing date adjustment unit 23 changes the expected deposit date to the last day of the previous month (see Figure 16).

[0045] (Operation of the embodiment) In this embodiment of the business support device 1, the control unit 3 functions as a data generation unit 21 to a payment schedule data generation unit 26 based on the business support program stored in the memory unit 2, and performs "rental contract input processing," "bill schedule data generation processing," and "owner settlement processing," as shown in Figure 9.

[0046] The "rental contract input process" is a process for inputting rental contract information, and is performed each time a rental contract is concluded. The "bill schedule data generation process" is a process for generating rent billing data for tenant A's lessees through holiday processing and closing date adjustment processing, and is performed monthly. The "owner settlement process" is a process for calculating the remittance amount to the owner, and is performed monthly.

[0047] In this example, the data generation unit 21 to the payment schedule data generation unit 26 are described as being realized by software based on a business support program, but all or part of the data generation unit 21 to the payment schedule data generation unit 26 may also be realized by hardware. In either case, the same effects as those described below can be obtained.

[0048] (Rental contract input processing) First, when a rental contract for a real estate property is concluded with a tenant or the like, the person in charge at the management company instructs the display of the rental contract input screen via the input device 6. As a result, the output control unit 24 displays the rental contract input screen shown in FIG. 10 via the output device 7. The person in charge inputs the rental contract number, property code (property), business partner code (tenant), contract category, contract conclusion date, contract start date, and contract end date into this rental contract input screen. The person in charge also inputs the rent and common area charges, including management items, amount, consumption tax, and tax-inclusive amount, into the rental contract input screen.

[0049] Furthermore, by operating the setting button on this rental contract input screen, the output control unit 24 displays the billing setting screen shown in Fig. 11 via the output device 7. The person in charge inputs the billing cycle, invoice issue date, expected payment date, and accounting date into this billing setting screen.

[0050] Based on the input contents of the rental contract input screen, the data generation unit 21 generates rental contract property data including the contract number, contract category, property code, tenant code, contract conclusion date, contract start date, and contract end date shown in Figure 12, and stores it in the rental contract property data storage unit 17 shown in Figure 2.

[0051] In addition, the data generation unit 21 generates rental contract rent data including the rental contract number, management item code, base price, consumption tax, and tax-inclusive price shown in Figure 13 based on the input contents on the rental contract input screen, and stores it in the rental contract rent data storage unit 18 shown in Figure 2.

[0052] (Billing schedule data generation process) Next, the person in charge specifies the display of the scheduled billing data creation screen via the input device 6. As a result, the output control unit 24 displays the scheduled billing data creation screen illustrated in FIG. 15 via the output device 7. The person in charge inputs a desired period for which scheduled billing data is to be generated, such as April 1, 2024 to March 31, 2026, which is the contract period for tenant A, and operates the register button.

[0053] As a result, the billing schedule data generation unit 25 generates billing schedule detail data including the billing number, billing destination code (customer code), management item code, property code, invoice issue date, expected payment date, relevant month, accounting date, base amount, consumption tax, amount including tax, and rental contract number, as shown in Figure 14, and stores it in the billing schedule detail data storage unit 19.

[0054] Specifically, in this example, as shown in Fig. 7, "31 (last day of the month)" is set as the payment closing date in the control master table 15. Therefore, the billing schedule data generation unit 25 generates monthly billing schedule detail data with the last day of each month from April 1, 2024 to March 31, 2026 as the scheduled payment date, as shown in Fig. 14.

[0055] The expected payment dates are the dates of each month when the rent is scheduled to be paid by Tenant A to the management company during the contract period.

[0056] (Holiday processing) Next, the holiday processing unit 22 detects the scheduled deposit dates that fall on financial institution holidays from among the scheduled deposit dates in each billing schedule detail data by referring to the calendar master table 14 shown in Fig. 6. In the example of Fig. 14, "Sunday, June 30, 2024" and "Saturday, August 31, 2024" are detected as scheduled deposit dates that fall on financial institution holidays.

[0057] Next, the holiday processing unit 22 refers to the holiday processing classification of the tenant A's lessee shown in FIG. 4. The holiday processing classification can be set to one of "0: Previous business day," "1: Same day," or "2: Next business day." If the holiday processing classification is set to "2: Next business day," the holiday processing unit 22 changes, for example, the scheduled deposit date of "Sunday, June 30, 2024" to "Monday, July 1, 2024." Furthermore, if the holiday processing classification is set to "1: Previous business day," the holiday processing unit 22 changes, for example, the scheduled deposit date of "Saturday, August 31, 2024" to "Friday, August 30, 2024."

[0058] (Closing date adjustment processing) Next, closing date adjustment unit 23 determines whether the scheduled deposit date changed by holiday processing is a date in an accounting month different from the original accounting month. That is, in this example, because the last day of each month is set as the payment closing date (see FIG. 7), closing date adjustment unit 23 determines whether the scheduled deposit date changed by holiday processing is a date on or after the last day of the accounting month. Then, if the scheduled deposit date changed by holiday processing is a date on or after the last day of the accounting month, closing date adjustment unit 23 changes this scheduled deposit date to the business day immediately preceding or following the scheduled deposit date before holiday processing, which belongs to the accounting month.

[0059] Figure 16 is a diagram showing an example of expected payment dates corresponding to holiday processing classifications and whether or not closing date adjustment processing is performed. The "patterns" shown in Figure 16 include a beginning-of-month pattern in which the payment closing date for each month is set to the "first day of the month," and an end-of-month pattern in which the payment closing date for each month is set to the "last day of the month."

[0060] (Beginning of the month pattern) First, in a monthly start pattern where the closing date for each month is set to "first day of the month," if the scheduled deposit date is "Sunday, September 1, 2024" and the closing date adjustment category is "none," the scheduled deposit date will be changed to "Friday, August 30, 2024" because the holiday processing category is set to "0: previous business day." Also, if the closing date adjustment category is "none" and the holiday processing category is set to "1: same day," the scheduled deposit date will remain "Sunday, September 1, 2024" (no change). Also, if the closing date adjustment category is "none" and the holiday processing category is set to "2: next business day," the scheduled deposit date will be changed to "Monday, September 2, 2024."

[0061] In contrast, in a monthly beginning pattern where the closing date for each month is set to the "first day of the month," if the scheduled deposit date is "Sunday, September 1, 2024" and the closing date adjustment category is "Yes," the scheduled deposit date will be temporarily changed to "Friday, August 30, 2024" because the holiday processing category is set to "0: Previous business day."

[0062] However, in this example, because the payment closing date for each month is set to the "first day of the month" (first-of-the-month pattern), the closing date adjustment unit 23 changes the scheduled deposit date from "Friday, August 30, 2024" to "Monday, September 2, 2024," which is the next business day and the first day of the month. Also, if the closing date adjustment category is "yes" and the holiday processing category is set to "1: same day," the scheduled deposit date will remain "Sunday, September 1, 2024" (no change). Also, if the closing date adjustment category is "yes" and the holiday processing category is set to "2: next business day," the scheduled deposit date will be changed to the first business day of the month, "Monday, September 2, 2024."

[0063] (End of month pattern) Next, in a month-end pattern where the payment closing date for each month is set to "last day of the month," if the scheduled deposit date is "Sunday, June 30, 2024" and the closing date adjustment category is "none," the scheduled deposit date will be changed to "Friday, June 28, 2024" because the holiday processing category is set to "0: previous business day." Also, if the closing date adjustment category is "none" and the holiday processing category is set to "1: same day," the scheduled deposit date will remain "Sunday, June 30, 2024" (no change). Also, if the closing date adjustment category is "none" and the holiday processing category is set to "2: next business day," the scheduled deposit date will be changed to "Monday, July 1, 2024."

[0064] On the other hand, in the end-of-month pattern where the payment closing date for each month is set to "the last day of the month," if the scheduled deposit date is "Sunday, June 30, 2024" and the closing date adjustment category is "Yes," the scheduled deposit date will be changed to "Friday, June 28, 2024" because the holiday processing category is set to "0: Previous business day."

[0065] Also, if the closing date adjustment category is "Yes" and the holiday processing category is set to "1: Today", the scheduled deposit date will remain "Sunday, June 30, 2024" (no change). Also, if the closing date adjustment category is "Yes" and the holiday processing category is set to "2: Next business day", the scheduled deposit date will be temporarily changed to "Monday, July 1, 2024".

[0066] However, in this example, since the payment closing date for each month is set to the "last day of the month" (end of month pattern), the closing date adjustment unit 23 changes the scheduled deposit date from "Monday, July 1, 2024" to "Friday, June 28, 2024," which is the last business day of the month.

[0067] Figure 17 shows the expected deposit date when the payment closing date is "last day of the month," the holiday processing category is set to "2: next business day," and the closing date adjustment category is set to "none." In this case, the expected deposit date for June is "Sunday, June 30, 2024," so the holiday processing section 22 changes the expected deposit date to "Monday, July 1, 2024." And because the closing date adjustment category is "none," "Monday, July 1, 2024" becomes the expected deposit date.

[0068] In contrast, Figure 18 shows the expected deposit date when the payment closing date is "last day of the month," the holiday processing category is set to "2: next business day," and the closing date adjustment category is set to "yes." In this case, the expected deposit date for June is "Sunday, June 30, 2024," so the holiday processing section 22 changes the expected deposit date to "Monday, July 1, 2024." However, because the closing date adjustment category is "yes," the closing date adjustment section 23 changes the expected deposit date, which falls on or after the last day of June, to "Friday, June 28, 2024," which is the last business day of June.

[0069] This allows the expected date of payment from Tenant A's lessee to be set to the original accounting month.

[0070] (Owner settlement processing) Next, the person in charge specifies the display of the owner settlement screen via the input device 6. As a result, the output control unit 24 displays the owner settlement screen shown in FIG. 19 via the output device 7. The person in charge enters the settlement year and month corresponding to the desired period within the period during which payments from tenant A's lessee will be transferred to the owner, on this owner settlement screen, and operates the register button. As a result, the payment schedule data generation unit 26 generates payment schedule detail data including scheduled payment dates for each month, and stores the data in the payment schedule detail data storage unit 20.

[0071] Here, Figure 20(a) shows the billing schedule detail data that is generated when the closing date adjustment process is "none" on a payment basis. In this case, the scheduled payment date for the June closing amount will be the following month, "July 1, 2024."

[0072] Therefore, if the scheduled payment date for the owner is set to "payment on the 5th of the following month," the scheduled payment date for the end-of-June fiscal year will be "July 1st, 2024," and the payment for June will be "August 5th, 2024," as shown in Figure 20(b).

[0073] Then, as shown in Figure 20(c), the payments for June and July will be paid together on August 5, 2024. This will cause the owner's cash flow to become unstable, which is an inconvenience.

[0074] In contrast, Figure 21(a) shows the scheduled billing detail data that is generated when the closing date adjustment process is "enabled" on a deposit basis. In this case, the scheduled payment date for the end-of-June closing amount is changed to "June 28, 2024," which is the original accounting month, due to the closing date adjustment process.

[0075] Therefore, if the scheduled payment date for the owner is set to "payment on the 5th of the following month," as shown in Figure 21(b), the payment schedule data generation unit 26 generates payment schedule detail data for the June deposit, including a scheduled payment date of "July 5, 2024," which is the original accounting processing month.

[0076] This allows payments to be made to the owner for each of the months of June, July, and August, as shown in Figure 21(c), thereby stabilizing the owner's cash flow.

[0077] Furthermore, if the scheduled payment date falls on a non-business day of the financial institution, the holiday processing unit 22 changes the scheduled payment date corresponding to the non-business day of the financial institution to the nearest preceding business day or the nearest following business day based on the holiday processing classification in the customer master table 12 shown in Figure 4. In the example shown in Figure 4, the holiday processing classification for the owner is set to "0: Previous business day," so the holiday processing unit 22 changes the scheduled payment date corresponding to the non-business day of the financial institution to the nearest preceding business day. This allows for smooth payment to the owner.

[0078] Next, Figure 22(a) shows the billing schedule detail data that is generated when the closing date adjustment process is "none" on a contract basis. In this case, since "August 31, 2024" is a Saturday, the scheduled payment date for the end of August will be "September 2, 2024 (Monday)."

[0079] For this reason, if the scheduled payment date to the owner is set to "payment on the 1st of the following month," the tenant's payment for the July invoice will be "Monday, September 2, 2024," but the management company will need to make payment (transfer) to the owner for this July invoice on "Friday, August 30, 2024" (according to the contract).This could cause problems with the management company's cash flow.

[0080] In contrast, Figure 23(a) shows the scheduled billing detail data that is generated when the closing date adjustment process is "enabled" on a contract basis. In this case, the scheduled deposit date for July is "Sunday, August 31, 2024," but because that falls on a bank holiday, the holiday processing unit 22 changes the scheduled deposit date to "Friday, August 30, 2024."

[0081] In this case, if the scheduled payment date for the owner is set to "payment on the 1st of the following month," the payment to the owner for July will be "Monday, September 2, 2024," but this falls on or after the first day of the month, "the 1st." Therefore, the closing date adjustment unit 23 performs the above-mentioned closing date adjustment process as shown in Figure 23(b), thereby changing the scheduled payment date for the owner to "Friday, August 30, 2024."

[0082] As a result, as shown in Figure 23(c), when the money is deposited on Friday, August 30, 2024, the money can be transferred to the owner on the same Friday, August 30, 2024. This allows the money to be transferred to the owner after the money is deposited, preventing any inconvenience that would hinder the management company's cash flow.

[0083] (Effects of the embodiment) As is clear from the above explanation, when holiday adjustment results in a calculation result that falls on or after the closing date, the business support device 1 of the embodiment automatically calculates a business day within the same month and adjusts the expected payment dates for rent, maintenance fees, etc. from tenants so that they always fall on dates within the same month. This stabilizes the owner's cash flow and reduces the management company's cash flow risk.

[0084] In other words, it is possible to prevent the inconvenience of the scheduled payment date for rent, maintenance fees, etc. from tenants being pushed back to the following month. This prevents variations in remittances, such as months when no remittances are made to the owner or months when two months' worth of remittances are made, and helps stabilize the owner's cash flow.

[0085] Furthermore, for the management company that owns the business support device 1, the workload and operational mistakes can be reduced, and the cash flow risk can also be reduced.

[0086] [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.

[0087] 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.

[0088] Furthermore, the present invention can contribute to strengthening control and governance, thereby contributing to the achievement of Goal 16 of the SDGs.

[0089] [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.

[0090] 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.

[0091] 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.

[0092] 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.

[0093] 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.

[0094] 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.

[0095] 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.

[0096] 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.

[0097] 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.

[0098] 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.

[0099] 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.

[0100] 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.

[0101] 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.

[0102] 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]

[0103] The present invention is suitable for application to remittance services, such as real estate management services, in which an amount deposited by one user at each specified accounting period under a contract is remitted to another user on a business day of the financial institution. [Explanation of symbols]

[0104] 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 Property Master Table 12 Customer Master Table 13 Management Item Master Table 14 Calendar Master Table 15 Control Master Table 16 Management Contract Master Table 17 Rental contract property data storage unit 18 Rental contract rent data storage unit 19. Billing schedule detail data storage unit 20 Payment schedule details data storage section 21 Data Generation Unit 22 Holiday Processing Department 23 Closing Date Adjustment Department 24 Output control section 25 Billing schedule data generation unit 26 Payment schedule data generation unit 50 Network 51 Lessee terminal device 52 Borrower's bank terminal equipment 53 Owner terminal device 54 Owner's bank terminal device

Claims

1. A business support device that supports a remittance business in which an amount deposited by one user for each specified accounting period under a contract is remitted to another user on a business day of a financial institution, a billing schedule data generation unit that generates billing schedule data including a scheduled payment date and a scheduled payment amount for each accounting period by one of the users; a holiday processing unit that, when the expected deposit date for each accounting processing period corresponds to a non-business day of the financial institution, refers to a customer master table that stores holiday processing classifications indicating whether the expected deposit date should be the business day immediately preceding the non-business day or the business day immediately following the non-business day, and performs holiday processing that sets the expected deposit date to the business day immediately preceding the non-business day or the business day immediately following the non-business day; a closing date adjustment unit that performs a closing date adjustment process in which, when the scheduled deposit date due to the holiday processing falls on a date in an accounting processing period different from the original accounting processing period, the scheduled deposit date due to the holiday processing is changed to the business day immediately preceding or following the scheduled deposit date before the holiday processing, which belongs to the original accounting processing period; an output control unit that outputs the scheduled billing data for the one user, which is generated by the scheduled billing data generation unit and includes the scheduled payment date and amount as a result of the closing date adjustment process, to an output target device; A business support device comprising:

2. a payment schedule data generation unit that generates payment schedule detail data including the amount indicated in the billing schedule data and a payment schedule date for each accounting period, which is the date on which the remittance is to be made to the other user; when the scheduled payment date corresponds to a non-business day of the financial institution, the holiday processing unit changes the scheduled payment date corresponding to a non-business day of the financial institution to the nearest preceding business day or the nearest following business day based on the holiday processing classification of the customer master table; 2. The business support device according to claim 1, wherein:

3. The accounting period is a monthly period, the closing date adjustment unit changes the expected deposit date to the first day of the next month when the holiday processing classification set in the customer master table by the holiday processing unit is the previous business day and the expected deposit date is set to the beginning of the month, and when the expected deposit date set to the previous business day by the holiday processing corresponds to the last day of the month; 3. The business support device according to claim 1 or 2, wherein:

4. the closing date adjustment unit changes the expected deposit date to the last day of the previous month when the holiday processing classification set in the customer master table by the holiday processing unit is the next business day and the expected deposit date is set to the end of the month, and when the expected deposit date set to the next business day by the holiday processing corresponds to the first day of the month; 4. The business support device according to claim 3, wherein:

5. A business support method for a business support device that supports a remittance business in which an amount deposited by one user for each contracted accounting period is remitted to another user on a business day of a financial institution, the method comprising: a billing schedule data generation step in which a billing schedule data generation unit generates billing schedule data including a scheduled payment date and a scheduled payment amount for each accounting processing period for one of the users; a holiday processing step in which, when the expected deposit date for each accounting period falls on a non-business day of the financial institution, the holiday processing unit refers to a customer master table in which a holiday processing classification indicating whether the expected deposit date should be the business day immediately preceding the non-business day or the business day immediately following the non-business day is stored, and performs holiday processing to set the expected deposit date to the business day immediately preceding the non-business day or the business day immediately following the non-business day; a closing date adjustment step in which the closing date adjustment unit performs a closing date adjustment process in which, if the scheduled deposit date due to the holiday processing falls on a date in an accounting processing period different from the original accounting processing period, the scheduled deposit date due to the holiday processing is changed to the business day immediately preceding or following the scheduled deposit date before the holiday processing, which belongs to the original accounting processing period; an output control step in which an output control unit outputs the billing schedule data for the one user, which is generated by the billing schedule data generation unit and includes the scheduled payment date and amount according to the closing date adjustment process, to an output target device; A business support method comprising:

6. A business support program that causes a computer of a business support device to function, which supports a remittance business in which an amount deposited by one user for each specified accounting period under a contract is remitted to another user on a business day of a financial institution, The computer a billing schedule data generation unit that generates billing schedule data including a scheduled payment date and a scheduled payment amount for each accounting period by one of the users; a holiday processing unit that, when the expected deposit date for each accounting processing period corresponds to a non-business day of the financial institution, refers to a customer master table that stores holiday processing classifications indicating whether the expected deposit date should be the business day immediately preceding the non-business day or the business day immediately following the non-business day, and performs holiday processing that sets the expected deposit date to the business day immediately preceding the non-business day or the business day immediately following the non-business day; a closing date adjustment unit that performs a closing date adjustment process in which, when the scheduled deposit date due to the holiday processing falls on a date in an accounting processing period different from the original accounting processing period, the scheduled deposit date due to the holiday processing is changed to the business day immediately preceding or following the scheduled deposit date before the holiday processing, which belongs to the original accounting processing period; functioning as an output control unit that outputs the scheduled billing data for the one user, which is generated by the scheduled billing data generation unit and includes the scheduled payment date and amount as a result of the closing date adjustment process, to an output target device; A business support program that features:

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