Funding systems and programs

Abstract

We provide a funding system that improves convenience for users by offering various business schemes tailored to the user's business model. [Solution] The funding system comprises: a property information acquisition unit that acquires property information, which is information about real estate properties provided by a user who is a real estate lessor, from a real estate property information system that presents said property information to the lessee of the real estate property; a future accounts receivable estimation unit that estimates future accounts receivable, which are accounts receivable for future sales based on the user's real estate property, based on the acquired property information; and a funding provision unit that provides funds to the user as consideration for said future accounts receivable.

Description

Technical Field

[0001] The present invention relates to a funding system and a program.

Background Art

[0002] Conventionally, a system for providing funds based on the predicted sales value of a store or the like has been proposed (for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In such a funding system, it is preferable to be able to provide various business schemes according to the business form of the user.

[0005] An object of the present invention is to provide a funding system and a program that can improve the convenience for the user by providing various business schemes according to the business form of the user.

Means for Solving the Problems

[0006] One aspect of the present invention includes a property information acquisition unit that acquires property information, which is information about a real estate property provided by a user who is a lender of real estate, from a real estate property information system that presents the property information to a borrower of the real estate property; a future sales claim estimation unit that estimates a future sales claim, which is a future claim for sales based on the user's real estate property, based on the acquired property information; and a funding provision unit that provides funds as consideration for the future sales claim to the user, and is a funding system.

[0007] One aspect of the present invention is a program that causes a computer to perform the following actions: acquire property information, which is information about real estate properties provided by a user who is a real estate lessor, from a real estate property information system that presents said property information to a real estate lessee; estimate future accounts receivable, which are future sales receivables based on the user's real estate properties, based on the acquired property information; and provide funds to the user as consideration for said future accounts receivable. [Effects of the Invention]

[0008] According to the present invention, by providing various business schemes tailored to the user's business model, convenience for the user can be improved. [Brief explanation of the drawing]

[0009] [Figure 1] This figure shows an example of the device configuration of the fund provision system and the functional configuration of the fund provision management device according to the first embodiment. [Figure 2] This figure shows an example of a business scheme for the funding stage of the funding system of this embodiment. [Figure 3] This figure shows an example of the operation flow in the pre-funding stage of the funding system of this embodiment. [Figure 4] This figure shows an example of the operation flow during the funding stage of the funding system of this embodiment. [Figure 5] This figure shows an example of a business scheme for the recovery phase of the funding system of this embodiment. [Figure 6] This figure shows an example of the operation flow during the recovery phase of the funding system of this embodiment. [Figure 7] This figure shows an example of the device configuration of the fund provision system and the functional configuration of the fund provision management device according to the second embodiment. [Figure 8] This figure shows an example of a business scheme for the funding stage of the funding system of this embodiment. [Figure 9]This figure shows an example of the operation flow in the pre-funding stage of the funding system of this embodiment. [Figure 10] This figure shows an example of a business scheme for the recovery phase of the funding system of this embodiment. [Figure 11] This figure shows an example of the operation flow during the recovery phase of the funding system of this embodiment. [Modes for carrying out the invention]

[0010] The funding system 1 of this embodiment will be described with reference to the drawings. The embodiments described below are merely examples, and the embodiments to which the present invention is applied are not limited to the embodiments described below. In all the figures used to illustrate the embodiments, components with the same function are given the same reference numerals, and repeated explanations are omitted. Furthermore, in this application, "based on XX" means "based on at least XX," and includes cases where it is based on another element in addition to XX. Also, "based on XX" is not limited to cases where XX is used directly, but also includes cases where it is based on something that has been calculated or processed from XX. "XX" is any element (for example, any information).

[0011] [First Embodiment] A first embodiment of the present invention will be described below with reference to the drawings. Figure 1 shows an example of the device configuration of the fund provision system 1 and the functional configuration of the fund provision management device 20 according to the first embodiment. The fund provision system 1 comprises a user terminal device 10, a fund provision management device 20, a real estate property information system 52, an account management system 40, and a transfer system 50.

[0012] The funding system 1 of this embodiment provides the user, who is a lessor of a real estate property, with an amount equivalent to a portion of their future real estate income (i.e., sales) based on the user's application.

[0013] In this embodiment, the real estate property broadly includes real estate from which future income can be expected. For example, real estate properties include rental housing, rental stores, rental parking lots, etc. from which stable and regular future rental income can be expected.

[0014] In the following description, the user can also be said to be the lender (or landlord) of the rental real estate. The person who borrows the rental real estate from the user (that is, the customer of the user) is also called the borrower.

[0015] Summarizing the actors in this embodiment, it is as follows. · Lender: The provider of the real estate property. Also called the user of the fund - providing system 1. Operates the user terminal device 10. · Borrower: The person who receives the provision of the real estate property from the user and pays consideration to the user. Also called the customer of the user. · Fund provider: The person who acquires the future sales receivables of the lender (user) and provides funds to the lender. A part of the consideration paid by the borrower to the lender is used for the recovery of the provided funds. Operates the fund - providing management device 20.

[0016] The user terminal device 10 is a device used by the user and is a computer device such as a personal computer, a tablet, or a smartphone. The user terminal device 10 includes a display unit 11 and an operation unit 12. The display unit 11 includes, for example, a liquid crystal display and displays various images. In the following description, the display unit 11 displaying an image is also said to present an image to the user. The operation unit 12 includes, for example, a touch panel and detects the operations of the user.

[0017] The user terminal device 10 includes an arithmetic unit 100 and a storage unit 150. The arithmetic unit 100 includes, for example, a Central Processing Unit (CPU) and operates based on the programs and data stored in the storage unit 150 to provide various functions. The storage unit 150 is composed of, for example, a hard disk drive or semiconductor memory (flash memory, RAM, ROM), and stores various types of information, such as programs and data read by the arithmetic unit 100. The storage unit 150 may also be implemented by a virtual storage device, such as a cloud server, located outside the user terminal device 10.

[0018] The fund management device 20 is a computer device operated by the organization (for example, a funder) that operates the fund provision system 1.

[0019] The fund provision management device 20 comprises a calculation unit 200 and a storage unit 250. The arithmetic unit 200 includes, for example, a central processing unit (CPU), and operates based on programs and data stored in the storage unit 250, providing various functions.

[0020] The calculation unit 200 of this embodiment includes, as its functional units, a property information acquisition unit 201, a future accounts receivable estimation unit 202, a fund provision unit 203, a payment information acquisition unit 204, a withdrawal amount calculation unit 205, a withdrawal amount notification unit 206, a collection unit 207, and a status notification unit 208.

[0021] The storage unit 250 is composed of, for example, a hard disk drive or semiconductor memory (flash memory, RAM, ROM), and stores various types of information, such as programs and data read by the arithmetic unit 200. The storage unit 250 may also be implemented by a virtual storage device, such as a cloud server, located outside the fund management device 20.

[0022] The user terminal device 10 and the fund management device 20 described above can communicate with each other via network NT1. Network NT1 includes the internet, WAN (Wide Area Network), LAN (Local Area Network), public lines, provider equipment, dedicated lines, wireless base stations, etc.

[0023] Furthermore, the user terminal device 10 may also have some of the functions of the fund management device 20 described below.

[0024] The real estate property information system 52 is configured, for example, as a cloud server and manages invoices related to real estate properties provided by users.

[0025] The real estate property information system 52 manages property information D52 about real estate properties that users provide to tenants. Property information D52 includes various information about vacant properties that are available for occupancy.

[0026] For example, property information D52 includes at least one piece of information on vacant properties, such as location area, occupancy rate, rent, floor plan, year of construction, and the response to the listing of property information D52 in the real estate property information system 52.

[0027] The funding system 1 of this embodiment provides funds to users, collects funds from users, and collects fees in the following four stages. (1) Setting of funding framework (2) Acceptance and review of applications for funding (3) Provision of funds (4) Deduction from sales proceeds

[0028] [Business scheme for funding system 1] Figure 2 shows an example of the business scheme at the funding stage of the funding system 1 of this embodiment.

[0029] In the business scheme of this embodiment, funding is provided to users in the following procedure. 1: The fund provision management device 20 collects property information D52 from the real estate property information system 52. 2: The fund management device 20 estimates the amount of rent payments from the borrower to the lender (i.e., the user's future sales) for a predetermined period (for example, the next two years) based on the collected data. 3. Set up accounts receivable (future accounts receivable R1) for projected future sales with the lender. 4. The fund provision management device 20 purchases future accounts receivable R1 from the lender. 5. The fund provision management device 20 provides funds to the lender as consideration for the future accounts receivable R1 that it has purchased. This business scheme allows users to receive cash income from funders earlier than the rent payments from tenants.

[0030] [Operation Flow of Funding System 1] Figure 3 shows an example of the operation flow of the funding system 1 of this embodiment in the pre-funding stage.

[0031] [(1) Setting of funding framework] The fund provision management device 20 works in conjunction with the real estate property information system 52 to understand the transaction status of users.

[0032] (Step S311) The real estate property information system 52 provides property information D52 to the fund provision management device 20. (Step S211) The property information acquisition unit 201 of the fund provision management device 20 acquires property information D52 from the real estate property information system 52.

[0033] In other words, the property information acquisition unit 201 acquires property information D52, which is information about real estate properties provided by users who are real estate lessors, from the real estate property information system 52 that presents property information D52 to tenants of real estate properties.

[0034] (Step S212) The future accounts receivable estimation unit 202 calculates future accounts receivable R1 based on the property information D52 using a predetermined algorithm.

[0035] As mentioned above, property information D52 includes information about vacant properties such as location area, occupancy rate, rent, floor plan, year of construction, and the response to the listing of property information D52 in the real estate property information system 52.

[0036] [Example of Estimating Rental Income (1)] Let's take the example of a case where the real estate property offered by the user is a rental apartment building or other rental multi-unit housing. The future accounts receivable estimation unit 202 acquires rent information and floor plan information for vacant rooms in the rental apartment complex provided by the user. The future accounts receivable estimation unit 202 estimates the rental income for occupied rooms in the property from the rent information and floor plan information. The future accounts receivable estimation unit 202 similarly estimates rental income for each real estate property provided by the user, and estimates the user's monthly rental income by summing the estimated rental income for each real estate property.

[0037] [Example of Estimating Rental Income (2)] The future accounts receivable estimation unit 202 acquires the location area of ​​the rental apartment building provided by the user. The future accounts receivable estimation unit 202 acquires the occupancy rate, rent, floor plan, and year of construction of other real estate properties in the said location area and estimates the average occupancy rate and rent market rate for the said location area, broken down by floor plan and year of construction. The future accounts receivable estimation unit 202 estimates the rental income of the user's real estate property from the estimated average occupancy rate and rent market rate.

[0038] [Example of Estimating Rental Income (3)] The future accounts receivable estimation unit 202 acquires information on the response to the listing of property information D52 in the real estate property information system 52. A response refers to a positive action taken by a user browsing the real estate property information system 52 towards the property, such as adding it to their favorites, requesting information, or scheduling a viewing. In other words, a real estate property that has received a response indicates that it is a popular property among users of the real estate property information system 52. The future accounts receivable estimation unit 202 estimates the future occupancy rate of a user's real estate property based on the degree of response to the user's real estate property (for example, the ratio of the number of responses to the user's real estate property to the average number of responses for all real estate properties listed in the real estate property information system 52). The future accounts receivable estimation unit 202 estimates the future sales of the user's real estate property based on the estimated future occupancy rate and the market rent for the area where the real estate property is located.

[0039] The future accounts receivable estimation unit 202 estimates future sales for a predetermined period by accumulating the estimated future sales for a predetermined period (for example, a period corresponding to the collection period of the funds provided). The future accounts receivable estimation unit 202 calculates the estimated future sales for a predetermined period as the amount of future accounts receivable R1.

[0040] In other words, the future accounts receivable estimation unit 202 estimates future accounts receivable R1, which are accounts receivable for future sales based on the user's real estate properties, based on the acquired property information D52.

[0041] [(2) Acceptance and review of applications for funding] (Step S121) The user operates the user terminal device 10 to apply for funding. The user terminal device 10 notifies the funding management device 20 that the user has applied for funding.

[0042] (Step S221) The fund provision management device 20 receives a fund provision application from the user terminal device 10. (Step S222) The fund management device 20 calculates the amount of funds available to the user based on the future accounts receivable R1 estimated in step S212. The fund management device 20 presents the calculated amount of funds available to the user. (Step S122) The user operates the user terminal device 10 to specify the amount to be actually provided (i.e., the amount of funds to be provided) from the amount of funds available to be provided presented by the fund provision management device 20. The user terminal device 10 notifies the fund provision management device 20 of the amount of funds to be provided specified by the user. (Step S223) The fund provision management device 20 receives a fund provision application.

[0043] [(3) Provision of funds] Figure 4 shows an example of the operation flow during the funding stage of the funding system 1 of this embodiment. (Step S231) If the funding application is approved, the funding management device 20 deposits the funds into the financial institution account specified by the user. In this example, the user is using the account management system 40. In this case, the funding management device 20 deposits the funds into the user's account managed by the account management system 40 (for example, sales deposit account A1).

[0044] In other words, the funding department 203 provides funds to the user as consideration for future accounts receivable R1.

[0045] (Step S431) The account management system 40 deposits the funds withdrawn by the fund provision management device 20 into the user's account. (Step S232) The fund management device 20 notifies the user terminal device 10 of the deposit result. (Step S131) ​​When the user terminal device 10 receives a notification of the deposit result from the fund management device 20, it displays to the user that a notification of the deposit result has been received.

[0046] [(4) Deduction from sales proceeds] This section explains the deduction from sales proceeds. In this embodiment, "deduction" refers to the organization operating the funding system 1 deducting the costs of funding from the user's sales proceeds. Here, the costs of funding include the amount recovered from the funds provided and the fees for funding. In other words, the amount deposited into the user's deposit account is the amount after the deduction (i.e., the amount after the amount recovered from the funds and the fees have been deducted) from the sales proceeds. The act of the funding system 1 deducting the costs of funding from the user's sales proceeds is also referred to as recovering funds (or simply recovering them).

[0047] Figure 5 shows an example of the business scheme during the recovery phase of the funding system 1 of this embodiment.

[0048] In the business scheme of this embodiment, the funds provided to the user are recovered in the following procedure. 1: The fund provision management device 20 entrusts the lender with the collection of future accounts receivable R1. 2. When the lender provides a property to the borrower, the lender incurs accounts receivable (for example, rent receivables for rental properties). The borrower makes a payment for these accounts receivable, and the proceeds are deposited into the lender's sales deposit account A1. 3. The fund management device 20 obtains rent payment information from the lender (for example, the transaction status of sales deposit account A1). 4. The fund management device 20 calculates the withdrawal amount W from the amount deposited into the sales deposit account A1 (i.e., the lender's sales). 5. The fund management device 20 notifies the transfer system 50 of the withdrawal amount W. 6. The transfer system 50 transfers the collected funds M1 of the withdrawal amount W from the sales deposit account A1 to the account of the fund provision management device 20.

[0049] Figure 6 shows an example of the operation flow during the recovery phase of the funding system 1 of this embodiment. (Step S541) The transfer system 50 provides the fund management device 20 with rent payment information D50 from the fund recipient (e.g., user). (Step S241) The deposit information acquisition unit 204 of the fund provision management device 20 acquires rent payment information D50 from the transfer system 50. Rent payment information D50 is information that shows the status of rent payments made by tenants to the landlord (user).

[0050] In addition, payments from borrowers may be made to the user's sales deposit account A1. In this case, the payment information acquisition unit 204 may acquire the payment status of sales deposit account A1 as rent payment information D50.

[0051] (Step S242) The withdrawal amount calculation unit 205 of the fund provision management device 20 calculates the amount of the recovery amount M1 (i.e., the withdrawal amount W) to be deducted in advance before payment to the lender (user) from the amount of rent indicated by the rent payment information D50.

[0052] In other words, the withdrawal amount calculation unit 205 calculates the withdrawal amount W according to the amount deposited by obtaining the deposit status of the user's financial institution account.

[0053] Here, the withdrawal amount calculation unit 205 may calculate the amount by multiplying the amount of accounts receivable based on the rent payment information D50 described above by a predetermined withdrawal rate.

[0054] (Step S243) The withdrawal amount notification unit 206 of the fund provision management device 20 notifies the transfer system 50 of the withdrawal amount W.

[0055] (Step S543) The transfer system 50 deposits the remaining balance M2, obtained by subtracting the withdrawal amount W from the sales amount of the real estate property (for example, a rental property), into the account management system 40. (Step S441) The account management system 40 deposits funds into the user's financial institution account (for example, sales deposit account A1).

[0056] (Step S544) The transfer system 50 performs the transfer process for the recovered funds M1. That is, the transfer system 50 deposits the recovered funds M1 of the withdrawal amount W into the operator of the fund provision system 1 (for example, the fund provision company).

[0057] In other words, the recovery unit 207 of the fund management device 20 recovers the calculated withdrawal amount W, M1, via the transfer system 50.

[0058] In other words, the recovery unit 207 recovers the amount of funds by subtracting a predetermined withdrawal amount W corresponding to the amount of payment received by the user as consideration for the real estate property.

[0059] The transfer system 50 of this embodiment debits the collected amount W from the user's sales deposit account A1. The sales deposit account A1 is the user's account from which payments from borrowers based on invoices are received.

[0060] (Step S244) The fund management device 20 confirms that the amount of the recovered funds M1 deposited from the transfer system 50 matches the withdrawal amount W notified in step S243. (Step S245) The fund management device 20 notifies the user terminal device 10 that the withdrawal has been completed. (Step S141) The user terminal device 10 displays on the display unit 11 that the withdrawal has been completed.

[0061] (Step S246) The status notification unit 208 notifies the real estate property information system 52 of the status of fund collection. By obtaining the status of fund collection from the user, the real estate property information system 52 can grasp the user's business situation, such as whether there are any delays in fund collection. Based on the grasped business situation, the real estate property information system 52 can rate and recommend real estate properties that the user lists on the real estate property information system 52. This funding system 1, as constructed in this manner, allows for improved accuracy of information provided to lenders based on more objective data.

[0062] [Second Embodiment] Figure 7 shows an example of the device configuration of the fund provision system 1a and the functional configuration of the fund provision management device 20 according to the second embodiment. The fund provision system 1a comprises a user terminal device 10, a fund provision management device 20, a rent management system 53, and an account management system 40.

[0063] The funding system 1a of this embodiment differs in that it includes a rent management system 53 instead of the real estate property information system 52 of the first embodiment described above. Components and operations similar to those of the funding system 1 of the first embodiment are denoted by the same reference numerals and their descriptions are omitted.

[0064] The rent management system 53 is configured, for example, as a cloud server, and handles the billing and collection of rent (for example, rent) from tenants on behalf of the user for the real estate property provided by the user to the tenants. The rent management system 53 can provide rent payment data D53 to the fund provision management device 20.

[0065] [Business scheme for funding system 1a] Figure 8 shows an example of the business scheme at the funding stage of the funding system 1a of this embodiment.

[0066] In the business scheme of this embodiment, funding is provided to users in the following procedure. 1. The fund management device 20 collects rent payment data D53 from the rent management system 53. 2: The fund management device 20 estimates the amount of money to be received from borrowers to lenders (i.e., the user's future sales) over a predetermined period (for example, the next two years) based on the collected data. 3. Set up accounts receivable (future accounts receivable R1) for projected future sales with the lender. 4. The fund provision management device 20 purchases future accounts receivable R1 from the lender. 5. The fund provision management device 20 provides funds to the lender as consideration for the future accounts receivable R1 that it has purchased.

[0067] [Operational flow of Funding System 1a] Figure 9 shows an example of the operation flow of the pre-funding stage of the funding system 1a in this embodiment.

[0068] [(1) Setting of funding framework] (Step S351) The rent management system 53 provides the rent payment data D53 to the fund provision management device 20. (Step S211) The rent information acquisition unit 201a of the fund provision management device 20 acquires rent payment data D53 from the rent management system 53.

[0069] Step S212 is the same as in the first embodiment described above, so its explanation will be omitted.

[0070] In other words, the rent information acquisition unit 201a acquires rent payment data D53 (rent information), which is information about real estate properties provided by the user, who is the lessor of the real estate, from the rent management system 53, which manages rent payments from tenants of real estate properties.

[0071] [(2) Acceptance and review of applications for funding, (3) Provision of funding] The processing flow (steps S121, S221 to S223, and steps S231 to S131 shown in Figure 4) is the same as that of the first embodiment described above, except that property information D52 is replaced with rent payment data D53, so we will omit the explanation.

[0072] In other words, the future accounts receivable estimation unit 202 estimates future accounts receivable R1, which are accounts receivable for future sales based on the user's real estate properties, based on the acquired rent payment data D53, similar to the first embodiment described above. The Funding Department 203 provides funds to users as consideration for future accounts receivable R1.

[0073] [(4) Deduction from sales proceeds] Let me explain how sales proceeds are deducted. Figure 10 shows an example of the business scheme during the recovery phase of the funding system 1a of this embodiment. In the business scheme of this embodiment, the funds provided to the user are recovered in the following procedure. 1. When a lender provides a property to a borrower, the lender incurs accounts receivable (for example, rent receivables for rental properties). Payment is made for these accounts receivable and deposited as sales revenue into an account managed by the rent management system 53 (for example, the lender's sales deposit account A1). 2: The fund management device 20 obtains deposit information (for example, the transaction status of sales deposit account A1) from the rent management system 53. 3. The fund management device 20 calculates the withdrawal amount W from the amount deposited into the sales deposit account A1 (i.e., the lender's sales). 4. The fund management device 20 notifies the rent management system 53 of the withdrawal amount W. 5. The rent management system 53 deposits the recovered amount M1 (withdrawal amount W) into the account of the fund provision management device 20. The rent management system 53 then deposits the remaining balance M2 (sales minus withdrawal amount W) into the lender's account (for example, sales deposit account A1).

[0074] Figure 11 shows an example of the operation flow during the recovery phase of the funding system 1a of this embodiment. (Step S341) The rent management system 53 provides the rent payment data D53 of the fund recipient (e.g., user) to the fund management device 20. (Step S241) The rent information acquisition unit 201a of the fund provision management device 20 acquires rent payment data D53 from the rent management system 53.

[0075] (Step S242) The withdrawal amount calculation unit 205 of the fund provision management device 20 calculates the amount of the recovered funds M1 (i.e., the withdrawal amount W) to be deducted in advance from the lessor's sales amount indicated by the rent payment information D50 before depositing it into the lessor's account (for example, sales payment account A1).

[0076] In other words, the withdrawal amount calculation unit 205 calculates the withdrawal amount W according to the amount deposited by obtaining the deposit status into the financial institution account of the rent management system 53.

[0077] Here, the withdrawal amount calculation unit 205 may calculate the amount by multiplying the amount of accounts receivable based on the rent payment data D53 described above by a predetermined withdrawal rate.

[0078] (Step S243) The withdrawal amount notification unit 206 of the fund provision management device 20 notifies the rent management system 53 of the withdrawal amount W.

[0079] (Step S342) The rent management system 53 receives the withdrawal amount W from the fund provision management device 20. (Step S343) The rent management system 53 deposits the remaining balance M2, which is the sales amount of a real estate property (for example, a rental house) minus the withdrawal amount W, into the account management system 40.

[0080] (Step S441) The account management system 40 deposits funds into the user's financial institution account (for example, sales deposit account A1).

[0081] (Step S344) The rent management system 53 performs the transfer of the collected amount M1. That is, the rent management system 53 deposits the collected amount M1 of the withdrawal amount W into the management account of the fund provision management device 20.

[0082] In other words, the recovery unit 207 recovers the amount of funds by subtracting a predetermined withdrawal amount W corresponding to the amount deposited into the rent management system 53 as consideration for the real estate property from the amount deposited.

[0083] (Step S244) The fund management device 20 verifies that the amount of the collected funds M1 deposited from the rent management system 53 matches the withdrawal amount W notified in step S243. (Step S245) The fund management device 20 notifies the user terminal device 10 that the withdrawal has been completed. (Step S141) The user terminal device 10 displays on the display unit 11 that the withdrawal has been completed.

[0084] (Step S246) The status notification unit 208 notifies the real estate property information system 52 of the status of fund collection. By obtaining the status of fund collection from the user, the real estate property information system 52 can grasp the user's business situation, such as whether there are any delays in fund collection. Based on the grasped business situation, the real estate property information system 52 can rate and recommend real estate properties that the user lists on the real estate property information system 52. This funding system 1, as constructed in this manner, allows for improved accuracy of information provided to lenders based on more objective data.

[0085] Furthermore, according to the funding system 1 configured as described above, the buyer pays consideration to the seller (user), who is the provider of the benefit, rather than to the funder, who is the actual creditor. Therefore, according to the funding system 1, from the buyer's perspective, the business scheme between the user and the funder is not considered, thus enabling a natural transaction between the buyer and the seller (user).

[0086] As described above, the funding system 1 and funding system 1a of this embodiment (hereinafter collectively referred to as the funding system) provide various business schemes tailored to the user's business model. The funding system configured in this way improves convenience for the user.

[0087] While embodiments of the present invention have been described in detail above with reference to the drawings, the specific configuration is not limited to these embodiments, and the matters described in each of the embodiments described above may be combined as appropriate. This also includes design changes and the like that do not depart from the spirit of the present invention. For example, a computer program to implement the functions of each of the above-mentioned devices may be recorded on a computer-readable recording medium, and the program recorded on this recording medium may be loaded into a computer system and executed. The term "computer system" here may include hardware such as an operating system and peripheral devices.

[0088] Furthermore, "computer-readable recording media" refers to writable non-volatile memory such as flexible disks, magneto-optical disks, ROMs, and flash memory, portable media such as DVDs (Digital Versatile Discs), and storage devices such as hard disks built into computer systems. Furthermore, "computer-readable recording media" also includes volatile memory (such as DRAM (Dynamic Random Access Memory)) within computer systems that act as servers or clients when programs are transmitted via networks such as the Internet or communication lines such as telephone lines, which retain programs for a certain period of time.

[0089] Furthermore, the above program may be transmitted from a computer system that stores the program in a memory device or the like to another computer system via a transmission medium or by transmission waves within the transmission medium. Here, the "transmission medium" used to transmit the program refers to a medium that has the function of transmitting information, such as a network (communication network) like the Internet or a communication line (communication line) like a telephone line. Furthermore, the above program may be intended to implement only a portion of the functions described above. It may also be a so-called differential file (differential program) that can implement the aforementioned functions in combination with programs already recorded in the computer system. [Explanation of symbols]

[0090] 1…Funding system, 10…User terminal device, 20…Funding management device, 31…Billing agency system, 52…Real estate property information system

Claims

1. A property information acquisition unit acquires property information, which is information about real estate properties provided by users who are real estate lessors, from a real estate property information system that presents the said property information to tenants of real estate properties. Based on the acquired property information, a future accounts receivable estimation unit estimates future accounts receivable, which are accounts receivable for future sales based on the user's real estate properties. A fund provision unit that provides funds to the user as consideration for the aforementioned future accounts receivable, A funding system equipped with these features.

2. The aforementioned property information includes at least one piece of information on vacant properties, such as location area, occupancy rate, rent, floor plan, year of construction, and the response to the listing of the property information in the aforementioned real estate property information system. The funding system according to claim 1.

3. A collection unit that collects the amount of funds recovered by subtracting a predetermined withdrawal amount corresponding to the amount of the deposit from the amount of the deposit received by the user as consideration for the real estate property, The funding system according to claim 1, comprising:

4. The withdrawal amount calculation unit obtains the deposit status of the user's financial institution account and calculates the withdrawal amount corresponding to the deposit amount. The funding system according to claim 3, comprising:

5. Status notification unit that notifies the real estate property information system of the status of the recovery of the aforementioned funds The funding system according to claim 1, comprising:

6. On the computer, The system obtains property information, which is information about real estate properties provided by users who are real estate lessors, from a real estate property information system that presents the said property information to tenants of real estate properties. Based on the acquired property information, the future accounts receivable, which are accounts receivable for future sales based on the user's real estate properties, Providing funds to the aforementioned users as consideration for the aforementioned future accounts receivable, A program to execute.

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