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 an accounting information acquisition unit that acquires accounting information handled by an accounting system used by a user who is a seller from the accounting system; a future accounts receivable estimation unit that calculates the amount of future accounts receivable, which are the user's future sales receivables, based on the acquired accounting information; and a funding system that provides funds to the user as consideration for the future accounts receivable.

Description

Technical Field

[0001] The present invention relates to a fund - providing system and a program.

Background Art

[0002] Conventionally, a system for providing funds based on accounts receivable that may occur in the future has been proposed (for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003] [[ID=2...]]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] [[ID=3...]]In such a fund - providing system, for example, when a user has introduced an accounting system, by exchanging information in cooperation with the accounting system, it is possible to provide funds based on more refined sales forecasts. Thus, in the fund - providing system, it is preferable that various business schemes corresponding to the user's business form can be provided.

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

Means for Solving the Problems

[0006] One aspect of the present invention is a funding system comprising: an accounting information acquisition unit that acquires accounting information handled by an accounting system used by a user who is a seller from the accounting system; a future accounts receivable estimation unit that calculates the amount of future accounts receivable, which are the user's future sales receivables, based on the acquired accounting information; and a funding unit that provides funds to the user as consideration for the future accounts receivable.

[0007] One aspect of the present invention is a program that causes a computer to perform the following actions: to obtain accounting information handled by an accounting system used by a seller user from the accounting system; to calculate the amount of future accounts receivable, which are accounts receivable for future sales of the user, based on the obtained accounting information; and to provide funds to the user as consideration for the 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. [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, "based on XX" as used in this application 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] 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, an accounting system 55, and an account management system 40.

[0012] The funding system 1 of this embodiment provides the user with an amount equivalent to a portion of the user's future sales, based on the user's application using the accounting system 55.

[0013] In this embodiment, the user provides some goods or services (hereinafter collectively referred to as "benefits provided by the user") to a buyer of those benefits and receives consideration from the buyer. For the user, the amount of consideration paid by the buyer becomes the sales amount.

[0014] In the following explanation, the user can also be described as the provider (or seller) of the benefit. The person who receives the benefit from the user (i.e., the user's customer) is also called the buyer.

[0015] Summarizing the actors of this embodiment, they are as follows. · Seller: Provider of some goods or services (benefits). Also referred to as a user of the fund - providing system 1. Operates the user terminal device 10. · Buyer: Person who receives benefits from the user and pays a consideration to the user. Also referred to as the customer of the user. · Fund provider: Person who acquires the future accounts receivable of the seller (user) and provides funds to the seller. A part of the consideration paid from the buyer to the seller is used for recovering the provided funds. Operates the fund - providing management device 20.

[0016] The user terminal device 10 is a device used by the user, which 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 referred to as presenting an image to the user. The operation unit 12 includes, for example, a touch panel and detects the operations of the user. <00​​​​​​​​​​​​​ 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, an accounting 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 accounting system 55 is configured, for example, as a cloud server and handles the accounting for the business operated by the user. For example, the accounting system 55 manages estimated value data for the benefits the user provides to buyers, invoice data, deposit and withdrawal data for the user's financial institution accounts, and expense reimbursement data showing the costs paid by the user. In the following explanation, this information managed by accounting system 55 will also be collectively referred to as accounting information D55.

[0025] In other words, accounting information D55 includes the user's sales information.

[0026] Furthermore, the accounting system 55 may include a settlement function for predetermined periods such as daily, weekly, monthly, and annual settlements. In this case, the accounting information D55 includes settlement information for each settlement period, such as daily settlements, weekly settlements, monthly settlements, and annual settlements. By including settlement information in the accounting information D55, the funding system 1 can estimate the amount of the user's future accounts receivable R1 with greater precision. Furthermore, if accounting information D55 includes relatively short-term financial statements such as daily or weekly data, it becomes possible to more accurately grasp the temporal changes in the user's business situation. For this reason, the funding system 1 can estimate the amount of the user's future accounts receivable R1 with greater precision. Funding System 1 can more precisely estimate the amount of future accounts receivable R1, thereby allowing the amount of funding to be precisely set to match the user's business conditions. As a result, Funding System 1 can improve convenience for both users and funders, such as increasing the amount of funding for users and enhancing the security of recovering the funds provided for funders.

[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. Users link their financial institution accounts where sales proceeds are deposited, including deposit and withdrawal information, balance information, and credit card usage information, so that the accounting system 55 can manage this information. 2: The fund management device 20 collects accounting information D55 from the accounting system 55. 3. The fund management device 20 predicts the amount of money received from buyers to sellers (i.e., the user's future sales) for a predetermined period (for example, the next two years) based on the collected accounting information D55. 4. Set up accounts receivable (future accounts receivable R1) for the projected future sales with the seller. 5. The fund management device 20 purchases future accounts receivable R1 from the seller. 6. The fund provision management device 20 provides funds to the seller as consideration for the future accounts receivable R1 that it has purchased. This business scheme allows users to receive cash from funders earlier, prior to receiving payments from buyers.

[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 management device 20 works in conjunction with the accounting system 55 to understand the transaction status of users.

[0032] (Step S511) The accounting system 55 provides accounting information D55 to the fund provision management device 20. (Step S211) The accounting information acquisition unit 201 of the fund provision management device 20 acquires accounting information D55 from the accounting system 55.

[0033] In other words, the accounting information acquisition unit 201 acquires accounting information D55 handled by the accounting system 55 used by the user, who is the provider of the benefits, from the accounting system 55.

[0034] (Step S212) The future accounts receivable estimation unit 202 calculates future accounts receivable R1 based on accounting information D55 using a predetermined algorithm.

[0035] As an example, the future accounts receivable estimation unit 202 analyzes accounting information D55 to identify the amount to be periodically received from the buyer, and based on the frequency and amount of payments, the future accounts receivable estimation unit 202 estimates future sales. 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 recovery period of the funds provided). The future accounts receivable estimation unit 202 calculates the estimated future sales for the predetermined period as the amount of future accounts receivable R1. Furthermore, accounting information D55 includes not only estimates of the receiving side, such as the frequency and amount of receipts, but also information on the frequency and amount of expense disbursements. The future accounts receivable estimation unit 202 may be configured to estimate the difference between future sales and the amount of expenses to be disbursed (e.g., cash flow) based on accounting information D55, in addition to the frequency and amount of receipts, based on the frequency and amount of expense disbursements.

[0036] In other words, the future accounts receivable estimation unit 202 estimates future accounts receivable R1, which are accounts receivable for the user's future sales, based on the acquired accounting information D55.

[0037] [(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.

[0038] (Step S221) The fund provision management device 20 receives a fund provision application from the user terminal device 10. (Step S222) The fund provision management device 20 receives a fund provision application.

[0039] [(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 one example of this embodiment, the user is using the account management system 40. In this case, the funding management device 20 withdraws the funds to the user's account managed by the account management system 40 (for example, sales deposit account A1).

[0040] In other words, the funding department 203 provides funds to the user as consideration for future accounts receivable R1.

[0041] (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.

[0042] [(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).

[0043] Figure 5 shows an example of the business scheme during the recovery phase of the funding system 1 of this embodiment.

[0044] In the business scheme of this embodiment, the funds provided to the user are recovered in the following procedure. 1: The fund management device 20 entrusts the seller with the collection of future accounts receivable R1. 2: When the seller provides a benefit to the buyer, accounts receivable are generated for the seller. The buyer makes a payment for these accounts receivable, and the funds are deposited as sales proceeds into the seller's sales deposit account A1. The generation of accounts receivable (e.g., trade receivables) and the payment for these accounts receivable are sequentially registered in the accounting system 55 as accounting information D55. 3. The fund provision management device 20 obtains accounting information D55 from the accounting system 55. 4. The fund management device 20 calculates the withdrawal amount W from the amount deposited into the sales deposit account A1 (i.e., the seller's sales). 5. The fund management device 20 notifies the accounting system 55 of the withdrawal amount W. The accounting system 55 notifies the user of the withdrawal amount W. Alternatively, the fund management device 20 may notify the user of the withdrawal amount W directly without going through the accounting system 55. 6. The fund management device 20 collects the recovered amount M1 for the withdrawal amount W against accounts receivable. For example, the accounting system 55 transfers the recovered amount M1 for the withdrawal amount W from the sales deposit account A1 to the account of the fund management device 20.

[0045] Figure 6 shows an example of the operation flow during the recovery phase of the funding system 1 of this embodiment. (Step S551) The accounting system 55 provides the fund management device 20 with accounting information D55 of the fund recipient (e.g., user). (Step S241) The deposit information acquisition unit 204 of the fund provision management device 20 acquires accounting information D55 from the accounting system 55. The accounting information D55 includes information indicating the status of deposits from buyers to the user who is the seller.

[0046] In addition, payments from buyers 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 accounting information D55.

[0047] (Step S242) The withdrawal amount calculation unit 205 of the fund provision management device 20 calculates the withdrawal amount W from the deposit amount indicated by the accounting information D55. The fund management device 20 may also have a function to bill the user (seller) for the calculated withdrawal amount W. For example, the fund management device 20 may also have a function to issue an invoice to the user for the withdrawal amount W, and a function to manage the payment status of the invoice. In this case, the fund management device 20 bills the user (seller) for the withdrawal amount W through the invoice.

[0048] In other words, the withdrawal amount calculation unit 205 calculates the withdrawal amount W, which is the amount of funds recovered from the user, based on the acquired accounting information D55.

[0049] Here, the withdrawal amount calculation unit 205 may calculate the amount by multiplying the amount of accounts receivable based on the accounting information D55 described above by a predetermined withdrawal rate.

[0050] Furthermore, as described above, if the accounting information D55 includes settlement information for a predetermined period, the withdrawal amount calculation unit 205 may calculate the withdrawal amount W based on the settlement amount for the predetermined period.

[0051] In other words, the withdrawal amount calculation unit 205 calculates the withdrawal amount W based on the settlement amount for a predetermined period.

[0052] Furthermore, the accounting system 55 may also have a function for managing the receipt and disbursement of sales revenue and expenses. In this case, the next steps S243, S552 to S554 may be performed.

[0053] (Step S243) The withdrawal amount notification unit 206 of the fund provision management device 20 notifies the accounting system 55 of the withdrawal amount W.

[0054] (Step S552) The accounting system 55 receives the withdrawal amount W from the fund management device 20. (Step S553) The accounting system 55 withdraws the remaining balance M2, obtained by subtracting the withdrawal amount W from the user's (i.e., seller's) sales amount, to 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).

[0055] (Step S554) The accounting system 55 performs a transfer of the recovered funds M1. That is, the accounting system 55 pays the recovered funds M1 of the withdrawal amount W to the operator of the funding system 1 (for example, the funding company).

[0056] In other words, the recovery unit 207 of the fund management device 20 recovers the calculated withdrawal amount W, M1, via the accounting system 55.

[0057] In other words, the recovery unit 207 recovers the amount of funds by subtracting the withdrawal amount W from the amount deposited into the user's account as consideration for the benefits the user provides to the buyer.

[0058] The accounting system 55 of this embodiment debits the recovered amount M1 of the aforementioned withdrawal amount W from the user's sales deposit account A1. The sales deposit account A1 is the user's account from which payments from buyers based on invoices are received.

[0059] Furthermore, the funding system 1 may be linked to an account management system (not shown) that manages the user's financial institution account. In this case, the funding system 1 may be configured to notify the account management system of the withdrawal amount W, and the account management system may be configured to withdraw the recovered amount M1 of the withdrawal amount W from the user's sales deposit account A1.

[0060] (Step S244) The fund management device 20 verifies that the amount of the recovered funds M1 received from the accounting system 55 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 accounting system 55 of the status of fund collection. By obtaining the status of fund collection from the user, the accounting system 55 can grasp the user's business situation, such as whether there are any delays in fund collection. Based on the grasped business situation, the accounting system 55 can rate and recommend real estate properties that the user lists in the accounting system 55. This fundraising system 1, as configured in this way, allows for improved accuracy of information provided to sellers based on more objective data.

[0062] The presentation unit 209 presents the withdrawal amount W to the user as a journal entry item corresponding to the proxy receipt of assigned receivables among the types of journal entry items in the accounting system 55. Here, "assigned receivables" means that the user's future accounts receivable R1 have been assigned to the funder in advance. Furthermore, "received on behalf of" means that the user receives payment for the benefits from the buyer on behalf of the funder, who is the creditor. Since the presentation unit 209 presents journal entries corresponding to the proxy receipt of transferred receivables, users can grasp the status of fund recovery through the journal entries and perform accounting processing appropriately.

[0063] Furthermore, according to the funding system 1 configured as described above, the buyer pays consideration to the 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, the buyer is unaware of the business scheme between the user and the funder, thus enabling a natural transaction between the buyer and the seller (user).

[0064] As described above, the funding system 1 of this embodiment (hereinafter collectively referred to as the funding system) provides various business schemes tailored to the user's business model. This funding system configuration improves convenience for users.

[0065] Although 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. Furthermore, 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.

[0066] 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.

[0067] 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 some 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]

[0068] 1... Funding system, 10... User terminal device, 20... Funding management device, 55... Accounting system

Claims

1. An accounting information acquisition unit that acquires accounting information handled by the accounting system used by the seller (user), Based on the acquired accounting information, a future accounts receivable estimation unit estimates future accounts receivable, which are the user's future sales receivables. 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 accounting information includes the user's sales information. The funding system according to claim 1.

3. Based on the acquired accounting information, a withdrawal amount calculation unit calculates the withdrawal amount, which is the amount of funds to be recovered from the user, A recovery unit that recovers the amount of funds recovered by subtracting the withdrawal amount from the amount deposited into the user's account as consideration for the benefits the user provides to the buyer, The funding system according to claim 1, comprising:

4. The presentation unit presents the aforementioned withdrawal amount to the user as a journal entry item corresponding to the proxy receipt of assigned receivables among the types of journal entry items in the accounting system. The funding system according to claim 3, comprising:

5. The withdrawal amount calculation unit calculates the withdrawal amount based on the settlement amount for a predetermined period. The funding system according to claim 3.

6. On the computer, The accounting information handled by the accounting system used by the seller (user) is obtained from the aforementioned accounting system, Based on the acquired accounting information, estimate future accounts receivable, which are accounts receivable for the user's future sales. Providing funds to the aforementioned users as consideration for the aforementioned future accounts receivable, A program to execute.

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