Information processing system, information processing device, information processing method, and program

Abstract

We provide an information processing system, information processing device, information processing method, and program that enable business owners to easily and efficiently find tax adjustment products and implement optimal tax adjustment measures. [Solution] The information processing system comprises a storage unit 120 that stores tax adjustment product information corresponding to tax adjustment products, an acquisition unit 131 that acquires the user's accounting information, an analysis unit 132 that extracts recommended tax adjustment product information from the tax adjustment product information that has a tax adjustment effect on the business operator based on the accounting information, and a presentation unit 135 that presents the recommended tax adjustment product information to the user.

Description

Technical Field

[0001] The present disclosure relates to an information processing system, an information processing apparatus, an information processing method, and a program.

Background Art

[0002] Conventionally, as a tax adjustment measure for business operators such as companies and individual business owners, it has been mainstream to include life insurance in deductible expenses. However, in recent years, the rate of including life insurance in deductible expenses has been decreasing, making it difficult to obtain a tax adjustment effect. Therefore, leasing has also come to be used as a tax adjustment product.

[0003] For example, Patent Document 1 describes a rental management server that provides a rental service that allows investors to enjoy an appropriate tax adjustment effect in a flexible form.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] Here, a lease is a contract for borrowing and using a property. There are two types of leases: operating lease and finance lease. An operating lease is a lease contract in which the lease term is shorter than the useful life of the property. The leasing company owns the property and conducts depreciation. The user only pays the lease fee and does not hold depreciable assets, so there is no burden of fixed asset tax. A finance lease is a lease contract in which the lease term is close to or longer than the useful life of the property. In accounting, the user is regarded as having purchased the property, and asset accounting and liability accounting are performed. Since depreciation expenses can be accounted for, there is a tax adjustment effect. Even in the case of a finance lease, since the leasing company owns the property, there is no burden of fixed asset tax.

[0006] Leasing can offer tax benefits by reducing initial costs and systematically accounting for expenses. However, the types of assets that can be leased are diverse, including personal computers, automobiles, factory equipment, ships, and aircraft, and the tax benefits vary depending on the content and type of lease agreement. When considering leasing, it is crucial for business owners to select the most suitable lease agreement for their company's specific situation.

[0007] In addition to life insurance and leases, other tax-adjustable products include defined contribution pension plans and mutual aid programs such as the Small Business Mutual Aid Association.

[0008] On the other hand, it takes time for managers to manually find appropriate tax adjustment products and measures for their company's situation, and it is difficult to quickly grasp the extent of tax adjustments possible from accounting data. In addition, the procedures and considerations for purchasing products must be carried out separately, which places a significant burden on the workload. In particular, the tax adjustment effect of tax adjustment products varies depending on the timing of application, so it is important to understand the appropriate application period.

[0009] Therefore, this disclosure aims to provide an information processing system, information processing device, information processing method, and program that enable users to easily and efficiently find tax adjustment products and implement optimal tax adjustment measures. [Means for solving the problem]

[0010] The information processing system according to the present invention comprises a storage unit that stores tax adjustment product information corresponding to tax adjustment products, an acquisition unit that acquires the user's accounting information, an analysis unit that extracts recommended tax adjustment product information from the tax adjustment product information that has a tax adjustment effect on the user based on the accounting information, and a presentation unit that presents the recommended tax adjustment product information to the user.

[0011] The information processing device according to the present invention comprises a storage unit for storing tax adjustment product information corresponding to tax adjustment products, an acquisition unit for acquiring user accounting information, an analysis unit for extracting recommended tax adjustment product information from the tax adjustment product information that has a tax adjustment effect on the user based on the accounting information, and a presentation unit for presenting the recommended tax adjustment product information to the user.

[0012] Furthermore, the recruitment activity support method according to the present invention is an information processing method to be executed by a computer equipped with a storage unit and a processing unit, comprising: an acquisition step of acquiring the user's accounting information; an analysis step of extracting recommended tax adjustment product information that has a tax adjustment effect on the user from tax adjustment product information corresponding to tax adjustment products stored in the storage unit, based on the accounting information; and a presentation step of presenting the recommended tax adjustment product information to the user.

[0013] Furthermore, the program according to the present invention is a program to be executed by a computer having a storage unit and a processing unit, and includes an acquisition step of acquiring user accounting information, an analysis step of extracting recommended tax adjustment product information that has a tax adjustment effect on the user from tax adjustment product information corresponding to tax adjustment products stored in the storage unit based on the accounting information, and a presentation step of presenting the recommended tax adjustment product information to the user.

[0014] The information processing method according to the present invention is an information processing method that provides a user interface to a user terminal, wherein the user interface receives input of accounting information from the user and presents as recommended tax adjustment product information tax adjustment product information that has a tax adjustment effect on the user, extracted from tax adjustment product information corresponding to tax adjustment products based on the accounting information. [Effects of the Invention]

[0015] According to one aspect of this disclosure, it is possible to provide an information processing system, information processing device, information processing method, and program that enable users to easily and efficiently find tax adjustment products and implement optimal tax adjustment measures. [Brief explanation of the drawing]

[0016] [Figure 1] It is a schematic diagram showing an information processing system according to an embodiment of the present invention. [Figure 2] It is a functional block diagram of a server according to an embodiment of the present invention. [Figure 3] It is a functional block diagram of a user terminal according to an embodiment of the present invention. [Figure 4] It is a flowchart showing tax adjustment support processing by an information processing system according to an embodiment of the present invention. [Figure 5] It is a flowchart showing product registration processing by an information processing system according to an embodiment of the present invention. [Figure 6] It is a diagram showing a specific example of a screen displayed on a user terminal according to an embodiment of the present invention. [Figure 7] It is a diagram showing a specific example of a screen displayed on a user terminal according to an embodiment of the present invention. [Figure 8] It is a diagram showing a specific example of a screen displayed on a user terminal according to an embodiment of the present invention. [Figure 9] It is a diagram showing a specific example of a screen displayed on a user terminal according to an embodiment of the present invention. [Figure 10] It is a block diagram showing the basic configuration of a computer.

Mode for Carrying Out the Invention

[0017] Hereinafter, an information processing system 1 according to an embodiment of the present invention will be described with reference to the drawings. In all the drawings for explaining the embodiment, common components are denoted by the same reference numerals, and repeated explanations are omitted.

[0018] <System Configuration> FIG. 1 is a schematic diagram showing an information processing system 1 according to an embodiment of the present invention.

[0019] Information processing system 1 comprises a server 100, a first user terminal 200, and a second user terminal 300. In the system configuration example shown in Figure 1, only one first user terminal 200 and one second user terminal 300 are shown, but there may be multiple. The server 100, the first user terminal 200, and the second user terminal 300 are connected to a network NW and can communicate with each other via the network NW. The network NW includes the Internet. The network NW may also include a LAN (Local Area Network) and / or a WAN (Wide Area Network).

[0020] Server 100, the first user terminal 200, and the second user terminal 300 are each composed of one or more computers 900. The basic configuration of computer 900 will be described later.

[0021] Server 100 is an information processing device that provides and manages interfaces such as financial applications and web pages for providing financial services to first-user terminals 200 used by multiple first-users (businesses) accessed via a network NW. First-users are businesses, and these businesses include, for example, companies, corporations, legal entities, and individuals belonging to them (such as managers), as well as sole proprietors. Businesses create user accounts for financial services in advance, register for use, and then log in to utilize the various functions of the financial services. A user account may include one or more corporate accounts and one or more individual accounts as sub-accounts. One of the functions of the financial services is to provide a marketplace for tax-adjusted products to first users (businesses) and second users (sellers). Server 100 also accepts sales registrations for tax-adjusted products from sellers via the network NW from second user terminals 300 used by multiple second users (sellers).

[0022] The first user terminal 200 is a terminal device used by the business operator. The second user terminal 300 is a terminal device used by the seller. The functional configurations of the first user terminal 200 and the second user terminal 300 will be described later.

[0023] Figure 2 is a functional block diagram of a server 100 according to an embodiment of the present invention. The server 100 comprises a communication unit 110, a storage unit 120, and a processing unit 130.

[0024] The communication unit 110 is a network interface and communicates with the first user terminal 200 and the second user terminal 300 via the network NW. The communication unit 110 passes the data received from the first user terminal 200 and the second user terminal 300 to the processing unit 130, and also transmits the data generated by the processing unit 130 to the first user terminal 200 and the second user terminal 300.

[0025] The storage unit 120 is configured using a storage device such as a magnetic hard disk or a semiconductor storage device. The storage unit 120 stores the application program 121, the database 122, and the mathematical model 123. The storage unit 120 may be provided externally from the server 100 and be able to communicate with it.

[0026] The application program 121 is executed by the processing unit 130 and is primarily a program for realizing each functional unit of the processing unit 130.

[0027] Database 122 includes a tax adjustment product database (hereinafter referred to as the tax adjustment product DB), a loan product database (hereinafter referred to as the loan product DB), and a business database (hereinafter referred to as the business database).

[0028] The Tax Adjustment Product Database is a database that manages and stores information on tax adjustment products. Tax adjustment products are primarily lease products, but may also include financial products and insurance products that have tax adjustment effects. Tax adjustment product information includes, for example, keywords, classifications, minimum investment amounts, depreciation rates, lease payments, yields, and URLs related to the tax adjustment product.

[0029] The loan product database is a database that manages and stores information on loan products. This loan product information includes details such as the seller of the loan product and the loan terms.

[0030] The business database is a database that manages and stores business attribute information (hereinafter simply referred to as attribute information) about businesses. Attribute information includes, for example, the business name, address, contact information, corporate number, qualified invoicing business registration number, listed / unlisted status, industry, number of employees, capital, annual sales, company size, and head office location. Business attribute information may be managed separately for each sub-account within the business hierarchy.

[0031] Database 122 may further include an accounting information database (hereinafter referred to as the accounting information DB). The accounting information DB is a database that manages and stores the accounting information of each business operator. The accounting information may be managed for each subaccount under the hierarchy of the business operator.

[0032] Accounting information includes at least the closing date (closing month and / or closing date). It also includes at least one of the following: tax adjustment targets, investment targets, projected net income, and free cash flow. Furthermore, accounting information may include, for example, information regarding bank statements, financial statements, and trial balances.

[0033] Mathematical model 123 includes a machine learning model that correlates the accounting information of multiple businesses with the tax adjustment effects of multiple tax adjustment products. The tax adjustment effect includes the expected effect amount of the tax adjustment product according to the business's accounting information. The expected effect amount of the tax adjustment product according to the business's accounting information is the monetary effect that a business is expected to obtain from one or more tax adjustment products, and is calculated by comprehensively evaluating multiple possible future outcomes and their probabilities under uncertain circumstances. The expected effect amount includes specific indicators such as the tax adjustment amount and the rate of return. Furthermore, mathematical model 123 may include a machine learning model that correlates the accounting information of multiple businesses with the recommendation levels of multiple tax adjustment products. Mathematical model 123 may also use the expected effect amount of tax adjustment products according to the business's accounting information, and the risk, as intermediate variables in its learning process. The risk may include, for example, uncertainty in the effect amount and uncertainty in the assumptions regarding the business's accounting information and attribute information. Learning may also be conducted for each category of tax-adjusted product, each attribute of the business operator, each region, each estimated net profit, and each amount of free cash flow.

[0034] The processing unit 130 comprises, as functional units, an acquisition unit 131, an analysis unit 132, a purchase management unit 133, a product management unit 134, and a presentation unit 135. The processing unit 130 realizes each of these functional units by executing the application program 121 stored in the storage unit 120, and performs each step of the tax adjustment support processing and product registration processing. Details of the tax adjustment support processing and product registration processing will be described later.

[0035] The acquisition unit 131 acquires the business operator's accounting information. The acquisition unit 131 may also acquire the business operator's attribute information. The acquisition of accounting information may be done by acquiring text information directly entered by the business operator on the first user terminal 200, by acquiring electronic information such as electronic files uploaded by the business operator on the first user terminal 200, by referring to information previously registered in the accounting information DB of the server 100 by the business operator when registering for the financial service or thereafter, or by acquiring it from a reference specified by the business operator on the first user terminal 200 (for example, a URL of the business operator's website). Furthermore, for example, the acquisition unit 131 may acquire hypothetical information from the business operator as accounting information. Specifically, for example, the business operator may input predicted or assumed values ​​for the amount of free cash flow in the cash flow statement and send them to the server 100 as accounting information. The same applies to attribute information.

[0036] The acquisition unit 131 also accepts the selection of tax-adjusted product information from the business operator.

[0037] The acquisition unit 131 also receives requests from businesses to purchase tax-adjusted products corresponding to the tax-adjusted product information.

[0038] The acquisition unit 131 also acquires a sales registration request from the seller indicating that the seller wishes to sell the seller's tax-adjusted products in the financial service. The sales registration request includes tax-adjusted product information corresponding to the seller's tax-adjusted products that the seller wishes to sell in the financial service. The sales registration request also includes specified information regarding the seller's tax-adjusted products. The specified information is necessary for the marketplace operator to review the tax-adjusted products, and includes, for example, the seller's corporate number, basic information such as the seller's name, address and contact information, whether the seller is listed or unlisted, industry, number of employees, capital, annual sales, and an overview of the tax-adjusted products handled. The acquisition unit 131 stores the tax-adjusted product information corresponding to the tax-adjusted product and the review results in the tax-adjusted product database. The acquisition unit 131 may similarly acquire a sales registration request from a seller of a loan product, indicating that the seller wishes to sell the seller's loan product in the financial service, and register it in the financial product database. In this case, the sales registration request includes financial product information corresponding to the financial product. The financial product information includes the seller's basic information and loan conditions.

[0039] The analysis unit 132 extracts tax adjustment product information that will bring tax adjustment benefits to the business operator from the tax adjustment product information in the tax adjustment product DB of the storage unit 120, based on the business operator's accounting information, as recommended tax adjustment product information. If the attribute information of the business operator is available, the analysis unit 132 may also extract recommended tax adjustment product information based on the accounting information and attribute information.

[0040] The analysis unit 132 also calculates the recommendation score for tax adjustment product information based on the business operator's accounting information. The recommendation score may be calculated (as a calculation indicator) based on, for example, the target tax adjustment amount, the estimated net profit for the current period, free cash flow, the maximum tax adjustment period (in months), etc. Alternatively, the recommendation score may be calculated (as a calculation indicator) based on the expected effect of the tax adjustment product and / or its risk according to the business operator's accounting information. If the business operator's attribute information is available, the analysis unit 132 may calculate the recommendation score for tax adjustment product information based on the accounting information and attribute information. The analysis unit 132 may also calculate the recommendation score only for the extracted recommended tax adjustment product information.

[0041] The analysis unit 132 may extract recommended tax-adjusted product information by inputting the business operator's accounting information (or accounting information and attribute information) into the mathematical model 123. Alternatively, the analysis unit 132 may calculate the recommendation level of the tax-adjusted product information by inputting the business operator's accounting information (or accounting information and attribute information) into the mathematical model 123.

[0042] The analysis unit 132 also presents the business operator with the simulation results regarding the tax adjustment effect of the tax adjustment product information. The simulation may be performed on tax adjustment product information selected by the business operator. The simulation may include, for example, the calculation of the tax adjustment amount and the calculation of the yield.

[0043] The analysis unit 132 may also determine whether the business operator can purchase the tax-adjusted product information selected by the business operator.

[0044] The analysis unit 132 also extracts recommended insurance information and / or recommended lease information from the tax adjustment product information in the tax adjustment product DB as recommended tax adjustment product information that will bring tax adjustment effects to the business, based on the business operator's accounting information (or accounting information and attribute information).

[0045] The analysis unit 132 proposes a loan to the business operator. Specifically, the analysis unit 132 extracts loan product information that meets the loan conditions from the loan product database based on the business operator's accounting information and presents it to the business operator. The analysis unit 132 may also acquire the business operator's credit information if necessary and propose a loan to the business operator based on the business operator's credit information and / or accounting information. The credit information may be the business operator's credit information pre-stored in the storage unit 120, or it may be credit information provided by an external credit information agency. The analysis unit 132 may acquire the business operator's credit information if the business operator's projected net profit and / or free cash flow is below a predetermined value and propose a loan to the business operator based on the business operator's credit information. The analysis unit 132 may acquire the business operator's credit information according to the business operator's financial situation obtained from the business operator's accounting information and propose a loan.

[0046] The purchasing management unit 133 manages and stores the purchases of tax-adjustable goods by the business operator. The purchasing management unit 133 may also manage and store purchases on a sub-account basis for the business operator's user account.

[0047] The purchasing management unit 133 assists and executes the purchase contract procedures for tax-adjusted goods that businesses wish to purchase. The purchase contract may be an electronic contract using electronic signatures or electronic certificates, or a traditional paper contract. In this way, by providing electronic contract functionality, the server 100 can contribute to the digital transformation of sellers, and for businesses, it can improve the customer experience of the financial services and enhance the searchability and manageability of contract documents.

[0048] The purchasing management unit 133 also manages the operational status of the aforementioned tax adjustment products purchased by the business operator.

[0049] Product Management Department 134 provides businesses and sellers with an online marketplace for tax-adjustable goods (hereinafter simply referred to as the Marketplace).

[0050] The product management unit 134 stores tax adjustment product information corresponding to the seller's tax adjustment products in the tax adjustment product database of the storage unit 120, associating it with the seller.

[0051] Product Management Department 134 reviews tax-adjustable products based on specified information about tax-adjustable products. If the product passes the review, it stores the corresponding tax-adjustable product information in the tax-adjustable product database and makes it public on the marketplace.

[0052] The product management unit 134 may store the search history and browsing history of businesses' tax-adjusted products in the marketplace in the business database of the storage unit 120, linked to the businesses. The search history includes search conditions such as keywords and filtering conditions.

[0053] The presentation unit 135 presents tax adjustment product information to the business operator's first user terminal 200. Specifically, the presentation unit 135 displays a list of tax adjustment products on the first user terminal 200 in the form of a marketplace. The marketplace provides interfaces for various functions such as keyword search, filtered search by pre-defined classifications, and sorting. Sorting can be performed based on recommendation level, investment amount, tax adjustment amount, etc. The recommendation level may also take into account the business operator's past purchase history of tax adjustment products, search history on the marketplace, and browsing history.

[0054] The display unit 135 also displays a list of extracted recommended tax-adjustable product information to the business operator's first user terminal 200. An example of the screen displaying the recommended tax-adjustable product information will be described later.

[0055] The display unit 135 also displays recommended insurance information and recommended lease information to the business operator's first user terminal 200 as recommended tax adjustment product information.

[0056] The display unit 135 also presents the business operator to the business operator's first user terminal 200 the simulation results regarding the tax adjustment effect, including the calculation results of the tax adjustment amount, the calculation results of the yield, and the determination results of whether or not the purchase is feasible. An example of a screen that displays the simulation results will be described later.

[0057] The presentation unit 135 also presents loan product proposals to the business operator's first user terminal 200.

[0058] The display unit 135 also displays the purchase history (investment history) and / or investment performance of tax-adjusted products purchased by the business operator to the business operator's first user terminal 200. Examples of the purchase history and investment performance screens will be described later.

[0059] Figure 3 is a functional block diagram of the first user terminal 200 and the second user terminal 300 according to an embodiment of the present invention. The first user terminal 200 comprises a communication unit 210, a storage unit 220, a control unit 230, a display unit 240, and an operation unit 250. The communication unit 210, storage unit 220, control unit 230, display unit 240, and operation unit 250 are electrically connected to each other via a communication bus 260. The second user terminal 300 comprises a communication unit 310, a storage unit 320, a control unit 330, a display unit 340, and an operation unit 350. The communication unit 310, storage unit 320, control unit 330, display unit 340, and operation unit 350 are electrically connected to each other via a communication bus 360. The first user terminal 200 and the second user terminal 300 are, for example, smartphones, tablet devices, and PCs.

[0060] <System Operation> Next, the operation of the tax adjustment support processing of the information processing system 1 having the above-described configuration and functions will be explained using a flowchart. The tax adjustment support process is a series of processes that include multiple steps: a product presentation step SG1 which analyzes the business operator's accounting information and presents the most suitable tax adjustment product to the business operator; a loan proposal step SG2 which proposes loan products to the business operator based on the business operator's credit information, etc. (credit information and / or accounting information); an effect presentation step SG3 which calculates the tax adjustment amount based on the tax adjustment product selected by the business operator and presents it to the business operator; and a contract support step SG4 which assists the business operator in the purchase contract for the tax adjustment product selected by the business operator. The tax adjustment support process is mainly executed as a process between the business operator's first user terminal 200 and the server 100 when the business operator logs in to financial services and uses the financial services marketplace.

[0061] Figure 4 is a flowchart showing the tax adjustment support processing by the information processing system 1 according to an embodiment of the present invention.

[0062] In step S101, the first user terminal 200 receives accounting information input from the business operator and transmits it to the server 100. For example, the business operator may input the closing month and the tax adjustment target amount or investment target amount as accounting information. The acquisition unit 131 of the server 100 acquires the business operator's accounting information from the first user terminal 200 and stores it in the storage unit 120 (accounting information acquisition step). In addition to accounting information, the first user terminal 200 may also receive attribute information of the business operator and transmit it to the server 100.

[0063] In step S102, the analysis unit 132 of the server 100 determines whether each tax adjustment product in the tax adjustment product database has a tax adjustment effect based on the accounting information acquired in step S101, calculates a recommendation score, and stores the analysis results in the storage unit 120 (analysis step). If the attribute information of the business operator is available, the analysis unit 132 may further perform analysis using the attribute information.

[0064] In step S103, the analysis unit 132 of the server 100 extracts recommended tax-adjusted products based on the analysis results of step S102 (extraction step).

[0065] In step S104, the display unit 135 of the server 100 presents (displays) the recommended tax adjustment products extracted in step S103 to the business operator's first user terminal 200. At this time, the list of recommended tax adjustment products may be presented in order of recommendation level (recommendation order presentation step).

[0066] In step S105, the analysis unit 132 of the server 100 refers to the credit information of the business operator (credit information reference step).

[0067] In step S106, the analysis unit 132 of the server 100 determines whether or not a loan can be made to the business based on the business's credit information referenced in step S105, the business's accounting information obtained in step S101, and the loan terms information of the loan product (loan determination step). If the determination result is true (YES), that is, if a loan can be made, the process proceeds to step S107. On the other hand, if the determination result is false (NO), that is, if a loan cannot be made, step S107 is skipped and the process proceeds to step S108.

[0068] In step S107, the display unit 135 of the server 100 presents (displays) the loan products available to the business operator to the business operator's first user terminal 200 and proposes the use of the loan.

[0069] In step S108, the first user terminal 200 receives the business operator's selection of tax-adjusted products and transmits it to the server 100. The acquisition unit 131 of the server 100 acquires the selection of tax-adjusted products (which may also be recommended tax-adjusted products) from the first user terminal 200 (selection acquisition step). The business operator may select multiple tax-adjusted products.

[0070] In step S109, the analysis unit 132 of the server 100 calculates the tax adjustment amount for the tax adjustment product selected by the business operator in step S105 (tax adjustment amount calculation step).

[0071] In step S110, the display unit 135 of the server 100 displays the tax adjustment amount calculated in step S112 to the business operator's first user terminal 200.

[0072] In step S111, the first user terminal 200 receives the business operator's selection of tax-adjusted goods and a purchase request, and transmits it to the server 100. The acquisition unit 131 of the server 100 acquires the purchase request from the first user terminal 200 (purchase request acquisition step). The business operator may request the purchase of multiple tax-adjusted goods.

[0073] In step S112, the purchase management unit 133 of the server 100 initiates the purchase contract procedure based on the purchase request in step S111.

[0074] Next, the operation of the product registration process of the information processing system 1 having the configuration and functions described above will be explained using a flowchart. The product registration process is the process of registering and publishing a seller's tax-adjustable products on the marketplace when a seller requests product registration for those products.

[0075] Figure 5 is a flowchart showing the product registration process by the information processing system 1 according to an embodiment of the present invention.

[0076] In step S201, the seller sends a sales registration request for tax-adjustable goods that the seller wishes to sell on the marketplace to the server 100 from the second user terminal 300. The acquisition unit 131 of the server 100 acquires the sales registration request from the second user terminal 300 (request acquisition step). The sales registration request includes tax-adjustable goods information and predetermined information necessary for reviewing the tax-adjustable goods.

[0077] In step S202, the product management unit 134 of server 100 examines the seller's tax-adjusted products based on predetermined information included in the sales registration request obtained in step S201, and determines whether they pass or fail. If the determination result is true (YES), i.e., the examination result is pass, the process proceeds to step S203. On the other hand, if the determination result is false (NO), i.e., the examination result is fail, the second user terminal 300 is notified accordingly, and the flow ends.

[0078] In step S203, the product management unit 134 of the server 100 registers (stores) the tax-adjusted product information obtained in step S201 in the tax-adjusted product DB of the storage unit 120, associating it with the seller.

[0079] In step S204, the product management unit 134 of server 100 publishes the tax-adjusted product information registered in step S203 on the marketplace, thereby ending the flow.

[0080] The operation flows in the tax adjustment support process and product registration process described above can be performed not only separately and independently, but also by combining two or more operation flows. For example, some steps of one operation flow may be added to another operation flow, or some steps of one operation flow may be replaced with some steps of another operation flow. It is not necessary to execute all steps in each flow; only some steps may be executed. Furthermore, the order of steps in each flow may be changed as appropriate.

[0081] <Screen example> Next, we will describe an example of a screen for the financial services provided by server 100.

[0082] Figures 6 to 9 show example screens D100, D200, D300, and D400 of financial service screens displayed on the first user terminal 200 by the server 100 according to an embodiment of the present invention.

[0083] The screen D100 shown in Figure 6 is an example of a screen displayed on the first user terminal 200 of a business that presents recommended tax-adjusted product information extracted based on the business's accounting information in the marketplace.

[0084] At the top of screen D100, the text D110 is displayed as the title "Tax Market," indicating a marketplace for tax-adjusted goods. Additionally, screen D100 displays the text D120, which reads "19 search results." This indicates that there are 19 recommended tax-adjustable product listings extracted based on the business's accounting information. Below text D120, the extracted recommended tax adjustment product information is arranged in a list. In screen D100 shown in Figure 6, the entirety of recommended tax adjustment product information D121 and a portion of recommended tax adjustment product information D122 are displayed. Businesses can view other recommended tax adjustment product information in the list by scrolling screen D100. Above text D120, filtering conditions D130 are located. Filtering conditions D130 offer the following options: "Immediate redemption available," "High-yield products," and "Overseas investment products." One or more filtering conditions D130 can be selected. Above the filtering condition D130 are the "Refine" button D140, which reflects the conditions selected in filtering condition D130, and the "Recommended" button D150, which sorts the search results (list of recommended tax adjustment product information) in order of recommendation. By selecting (tapping or clicking) the "Recommended" button D150, businesses can sort the recommended tax adjustment products based on their recommendation level, which is determined by the analysis of server 100.

[0085] The screen D200 shown in Figure 7 is an example of a screen that appears when you select any tax adjustment product from the list of tax adjustment products (including recommended tax adjustment products) in the marketplace. For example, suppose you select the recommended tax adjustment product information D121 from the list of recommended tax adjustment products shown in Figure 6.

[0086] Screen D200 contains an information area D210 that shows the location of the product description brochure and the contact information for support for the tax adjustment product selected by the business operator. Below information area D210 is information area D220, which is related to the purchase of the tax-adjusted product. Information area D220 contains input fields for selecting the business's fiscal year-end month (closing date), the desired number of tax adjustment products to purchase, the purchase price of the tax adjustment products, a total amount field showing the total amount calculated based on the selected desired number and purchase price, and an amount field showing the first-year depreciation amount calculated based on the fiscal year-end month and the total purchase price of the products. At the bottom of information area D220 are buttons D221 for starting the contract procedure for the tax adjustment products with the selected information, and buttons D222 for chatting to consult about the purchase of the tax adjustment products. Below information area D220 is information area D230, which displays information related to the purchase of the tax-adjusted product. At the top of information area D230 are three tabs, "Overview," "Simulation," and "Documents," which can be selected. In screen D200 shown in Figure 7, "Simulation" is selected. Below the tabs, the simulation contents are displayed, showing amounts or numerical values ​​for total investment, cumulative dividend amount, first-year loss rate, annual return (with tax effect), and annual return. The interface that presents the simulation results allows businesses to understand at a glance the amount of profit and loss based on the investment amount and fiscal year before making a purchase.

[0087] The screen D300 shown in Figure 8 is an example of a screen that displays information about tax-adjustable products (including recommended tax-adjustable products) purchased by a business operator.

[0088] At the top of screen D300, the text D310 is displayed as the screen title, which reads "Investment Products in Operation". Below text D310 is an information area D320 that displays information about the entire investment product under management. Information area D320 contains the amount of "total investment," the amount of "depreciation earned to date," and the amount of "first-year loss rate." At the bottom of the information area D320, a list of tax-adjustable products that the business has purchased and is managing as investment products is displayed. In the screen D300 shown in Figure 8, tax-adjustable product information D330 and tax-adjustable product information D340 are displayed as examples. The business can view other tax-adjustable product information in the list by scrolling the screen D300. Tax adjustment product information D330 displays an image icon for the tax adjustment product, the product name "Truck Lease A," the amount of "revenue earned to date" by the business operator from the tax adjustment product, and the management number of the contract for the tax adjustment product. Similarly, the tax adjustment product information D340 displays an image icon for the tax adjustment product, the product name "Truck Lease B," the amount of "revenue earned to date" by the business operator from the tax adjustment product, and the management number of the contract for the tax adjustment product. By selecting (tapping or clicking) tax adjustment product information D330 or D340, businesses can transition to a screen where they can view detailed information and contract information for the relevant tax adjustment product.

[0089] The screen D400 shown in Figure 9 is an example of a screen that displays detailed information and contract information for tax-adjusted products purchased by a business operator. For example, suppose the business operator selects the tax-adjusted product information D330 for "Truck Lease A" from the list of purchased tax-adjusted products shown in Figure 7.

[0090] At the top of screen D400, text D410 is displayed as the screen title, indicating the product name of the tax-adjusted item, "Truck Lease A". Below text D410 is information area D420, which shows an overview of the investment in the tax adjustment product "Truck Lease A". Information area D420 contains the purchase date, the amount of the "investment amount", the amount of "depreciation earned to date", and the amount of the "first year expense rate". Below information area D420 is information area D430, which displays information about the tax-adjusted product "Truck Lease A". At the top of information area D430 are three tabs, "Operational Status," "Overview," and "Documents," which can be selected. In screen D400 shown in Figure 8, "Operational Status" is selected. Below the tab, the details of "Operational Status" are displayed, including the date and amount of the lease payments received.

[0091] <Basic Computer Configuration> Figure 10 is a block diagram showing the basic hardware configuration of computer 900. Computer 900 includes a control unit 901, a storage unit 902, a communication unit 903, an input unit 904, and an output unit 905. The control unit 901, storage unit 902, communication unit 903, input unit 904, and output unit 905 are electrically connected to each other via a communication bus 910.

[0092] The control unit 901 includes a CPU (Central Processing Unit, also called a processor) and controls various parts of the computer 900, as well as reading and executing various programs stored in the storage unit 902.

[0093] The memory unit 902 includes a main memory such as DRAM (Dynamic Random Access Memory) and an auxiliary memory such as a hard disk, and is a device that stores various programs for running the operating system and various applications of the computer 900, as well as data used by these programs. The process shown in the flowchart above is realized by the control unit 901 of each computer constituting the server 100, the first user terminal 200, and the second user terminal 300 executing the programs stored in their respective memory units 902.

[0094] The communication unit 903 is a device for communicating with external devices and sends and receives data according to instructions from the control unit 901. Each computer constituting the server 100, the first user terminal 200, and the second user terminal 300 uses this communication unit 903 to communicate with other devices, including the network NW shown in Figure 1.

[0095] The input unit 904 is a device that receives input from an external source and supplies it to the control unit 901, and includes, for example, a keyboard, mouse, touch panel, and camera. The output unit 905 is a device that outputs the processing results of the control unit 901 to the outside, and includes, for example, a display and speaker. <Program> Here, we will describe the programs for realizing each functional unit of the server 100 according to this embodiment.

[0096] Server 100 is implemented in computer 900. The operation of each component of server 100 is stored in the auxiliary storage device of storage unit 902 in the form of a program. Control unit 901 reads the program from the auxiliary storage device of storage unit 902, loads it into the main memory of storage unit 902, and executes the above processing according to the program. Also, control unit 901 reserves a storage area in the main memory of storage unit 902 corresponding to the storage unit 120 described above, according to the program.

[0097] Specifically, the program is a program to be executed by a computer 900 which includes a processor, a memory unit, and a processing unit, and the program is The system includes an acquisition step of acquiring the user's accounting information, an analysis step of extracting recommended tax adjustment product information that has a tax adjustment effect on the user from the tax adjustment product information corresponding to the tax adjustment products stored in the storage unit, based on the accounting information, and a presentation step of presenting the recommended tax adjustment product information to the user.

[0098] The auxiliary storage device of the memory unit 902 is an example of a tangible medium that is not temporary. Other examples of tangible mediums that are not temporary include magnetic disks, magneto-optical disks, CD-ROMs, DVD-ROMs, and semiconductor memory connected via the input unit 904. Furthermore, if this program is distributed to the computer 900 via the network NW, the computer 900 that receives the program may load it into the main memory of the memory unit 902 and execute the above processing.

[0099] Furthermore, the program may be intended to implement some of the functions described above. In addition, the program may be a so-called differential file (differential program) that implements the functions described above in combination with other programs already stored in the auxiliary storage device of the memory unit 902.

[0100] According to the information processing system 1 of this embodiment described above, businesses can easily and efficiently find tax-adjustable products and implement optimal tax adjustment measures. Furthermore, since the entire process, from purchasing tax-adjustable products to determining their effectiveness, can be handled within the system, operational efficiency can be improved. Furthermore, in addition to tax adjustments, we can provide support for all aspects of management, including fundraising and investment strategies, thereby assisting managers in their decision-making.

[0101] Furthermore, the present invention is not limited to the embodiments described above, and various modifications can be adopted.

[0102] For example, in the above embodiment, the mathematical model 123 was a trained model that was trained using machine learning, but it may also be a rule-based model.

[0103] Furthermore, in the above embodiment, a large-scale language model may be used to establish an input / output interface with the business operator using natural language.

[0104] Furthermore, the tax adjustment support processing in the above embodiment may also include the steps of the analysis unit 132 of the server 100 determining whether or not to purchase the tax adjustment product selected by the business operator based on the business operator's accounting information, and presenting (displaying) the purchase eligibility determination result to the business operator's first user terminal 200.

[0105] Furthermore, the tax adjustment support processing of the above embodiment may include a step before step S109 in which the analysis unit 132 of the server 100 determines whether the estimated net income and / or free cash flow amounts included in the accounting information acquired in step S101 are less than or equal to a predetermined value. If the determination result is true (YES), i.e., the estimated net income and free cash flow are less than or equal to the predetermined value, the process proceeds to step S109. If the determination result is false (NO), i.e., the estimated net income and free cash flow are greater than the predetermined value, the process skips from step S109 to step S111 and proceeds to step S112.

[0106] Furthermore, in step S106 of the tax adjustment support processing in the above embodiment, the analysis unit 132 may determine whether or not a loan is possible to the business operator based on the business operator's accounting information and the loan condition information of the loan product, even if the business operator's credit information is not available. Alternatively, in the loan proposal process SG2, the determination in step S106 may be omitted, and in step S107, the business operator may be presented with a loan product that meets the loan conditions.

[0107] (Note) The features of the above-described embodiment are noted below. (Note 1) A storage unit that stores tax-adjusted product information corresponding to tax-adjusted products, An acquisition unit that acquires the user's accounting information, An analysis unit extracts recommended tax adjustment product information from the aforementioned tax adjustment product information that has a tax adjustment effect on the user, based on the aforementioned accounting information. A display unit that presents the recommended tax adjustment product information to the user, An information processing system equipped with the following features. This allows users to easily find tax-adjustable products that have a tax-adjustable effect. In other words, users can find tax-adjustable products efficiently and without hassle, and implement the optimal tax-adjustable measures. (Note 2) The aforementioned accounting information includes, at least one of the following: the closing date, the tax adjustment target amount, the estimated net income for the period, and the amount of free cash flow. The information processing system described in Appendix 1. This allows the information processing system to perform analysis based on the closing date, the tax adjustment target amount, the estimated net income for the period, and / or the amount of free cash flow. (Note 3) The analysis unit calculates the degree of recommendation of the recommended tax adjustment product information based on the accounting information, The display unit presents the recommended tax-adjusted product information to the user in order of recommendation level. The information processing system described in Appendix 1 or 2. This allows users to efficiently consider tax-adjustable products by referring to their recommendation level. (Note 4) The recommendation level is calculated based on the expected effect of the tax adjustment product according to the user's accounting information. The information processing system described in Appendix 3. This allows for the calculation of the recommendation level for tax adjustment products based on the user's unique accounting information. (Note 5) The analysis unit extracts the recommended tax adjustment product information using a learning model that has learned the correlation between the accounting information of multiple users and the tax adjustment effect of multiple tax adjustment product information. The information processing system described in Appendix 1. This will improve the accuracy of the tax adjustment product recommendations. (Note 6) The acquisition unit receives the selection of the tax adjustment product information from the user, The analysis unit calculates the user's tax adjustment amount according to the selected tax adjustment product information. The display unit presents the tax adjustment amount to the user. An information processing system as described in any of the appendices 1 to 5. This allows users to see the specific tax adjustment amount for the selected tax-adjusted product. (Note 7) The acquisition unit receives a request from the user to purchase a tax-adjusted product corresponding to the tax-adjusted product information. The system further includes a purchase management unit that executes a purchase contract with the user for the aforementioned tax-adjusted goods that the user wishes to purchase. An information processing system as described in any of the appendices 1 to 6. This allows users to handle everything from considering tax adjustment products to signing contracts in a single, seamless process, improving user convenience. (Note 8) When the acquisition unit acquires a sales registration request from the seller of the tax-adjusted goods, which includes tax-adjusted goods information corresponding to the seller's tax-adjusted goods, The system further includes a product management unit that stores in the storage unit tax adjustment product information corresponding to the tax adjustment products of the aforementioned seller, and the aforementioned seller, in association with each other. An information processing system as described in any of the appendices 1 to 7. This allows the information processing system to receive requests for the sale of tax-adjusted products from multiple sellers, provide users with information on tax-adjusted products from multiple sellers, and expand the user's options. (Note 9) The aforementioned product management department provides the aforementioned users and sellers with a marketplace for tax-adjusted products. The information processing system described in Appendix 8. This will improve convenience for both users and sellers. (Note 10) The aforementioned accounting information includes the user's financial statements or bank account statements. An information processing system as described in any of the appendices 1 through 9. This allows us to recommend more appropriate tax adjustment products based on the user's financial situation. (Note 11) The acquisition unit acquires the accounting information from a reference specified by the user. An information processing system as described in any of the appendices 1 through 10. This allows, for example, a company to specify a link to publicly available accounting information on its own website as the reference source, simplifying the process for users. (Note 12) The acquisition unit acquires virtual information from the user as accounting information. An information processing system as described in any of the appendices 1 through 11. This allows the system to suggest tax-adjusted products based on hypothetical information, even if the user cannot provide accurate information. (Note 13) The aforementioned purchasing management unit manages the operational status of the tax adjustment products purchased by the user, The display unit presents to the user the purchase history (investment history) and / or investment performance of the tax adjustment products purchased by the user. The information processing system described in Appendix 7. This makes it easier for users to manage their purchased tax-adjusted products. (Note 14) The analysis unit acquires the user's credit information and proposes a loan to the user based on the credit information. An information processing system as described in any of the appendices 1 to 13. This allows us to offer solutions that prevent users from missing out on opportunities to purchase tax-adjustable products, depending on their financial situation. (Note 15) The acquisition unit further acquires the user's attribute information, The analysis unit extracts recommended tax adjustment information based on the accounting information and attribute information. An information processing system as described in any of the appendices 1 through 14. This allows us to offer tax adjustment products that are more suitable for the user. (Note 16) A storage unit that stores tax-adjusted product information corresponding to tax-adjusted products, An acquisition unit that acquires the user's accounting information, An analysis unit extracts recommended tax adjustment product information from the aforementioned tax adjustment product information that has a tax adjustment effect on the user, based on the aforementioned accounting information. A display unit that presents the recommended tax adjustment product information to the user, An information processing device equipped with the following features. (Note 17) A program to be executed by a computer having a memory unit and a processing unit, The acquisition step for obtaining the user's accounting information, An analysis step of extracting recommended tax adjustment product information that has a tax adjustment effect on the user from the tax adjustment product information corresponding to the tax adjustment products stored in the memory unit, based on the aforementioned accounting information, A presentation step of presenting the recommended tax adjustment product information to the user, A program that has a specific purpose. (Note 18) An information processing method to be executed by a computer comprising a memory unit and a processing unit, The acquisition step for obtaining the user's accounting information, An analysis step of extracting recommended tax adjustment product information that has a tax adjustment effect on the user from the tax adjustment product information corresponding to the tax adjustment products stored in the memory unit, based on the aforementioned accounting information, A presentation step of presenting the recommended tax adjustment product information to the user, An information processing method having (Note 19) An information processing method that provides a user interface to a user terminal, The aforementioned user interface accepts accounting information input from the user. Based on the accounting information, tax adjustment product information that has a tax adjustment effect on the user is extracted from the tax adjustment product information corresponding to the tax adjustment product and presented as recommended tax adjustment product information. Information processing methods. [Explanation of symbols]

[0108] 1: Information Processing System 100: Server 110: Communications Department 120: Storage section 123: Learning Model 130: Processing Unit 131: Acquisition Department 132:Analysis Department 133: Purchasing Management Department 134: Product Management Department 135: Presentation section 200: First user terminal 300: Second user terminal D100, D200, D300, D400: Screen NW: Network

Claims

1. A storage unit that stores tax-adjusted product information corresponding to tax-adjusted products, An acquisition unit that acquires the user's accounting information, An analysis unit extracts recommended tax adjustment product information from the aforementioned tax adjustment product information that has a tax adjustment effect on the user, based on the aforementioned accounting information. A display unit that presents the recommended tax adjustment product information to the user, An information processing system equipped with the following features.

2. The aforementioned accounting information includes the closing date, the target amount for tax adjustments, the estimated net income for the period, and the amount of free cash flow, The information processing system according to claim 1.

3. The analysis unit calculates the degree of recommendation of the recommended tax adjustment product information based on the accounting information, The display unit presents the recommended tax-adjusted product information to the user in order of recommendation level. The information processing system according to claim 1 or 2.

4. The recommendation level is calculated based on the expected effect of the tax adjustment product according to the user's accounting information. The information processing system according to claim 3.

5. The analysis unit extracts the recommended tax adjustment product information using a learning model that has learned the correlation between the accounting information of multiple users and the tax adjustment effect of multiple tax adjustment product information. The information processing system according to claim 1.

6. The acquisition unit receives the selection of the tax adjustment product information from the user, The analysis unit calculates the user's tax adjustment amount according to the selected tax adjustment product information. The display unit presents the tax adjustment amount to the user. The information processing system according to claim 1.

7. The acquisition unit receives a request from the user to purchase a tax-adjusted product corresponding to the tax-adjusted product information. The system further includes a purchase management unit that executes a purchase contract with the user for the aforementioned tax-adjusted goods that the user wishes to purchase. The information processing system according to claim 1.

8. When the acquisition unit acquires a sales registration request from the seller of the tax-adjusted goods, which includes tax-adjusted goods information corresponding to the seller's tax-adjusted goods, The system further includes a product management unit that stores in the storage unit tax adjustment product information corresponding to the tax adjustment products of the aforementioned seller, and the aforementioned seller, in association with each other. The information processing system according to claim 1.

9. The aforementioned product management department provides the aforementioned users and sellers with a marketplace for tax-adjusted products. The information processing system according to claim 8.

10. The aforementioned accounting information includes the user's financial statements or bank account statements. The information processing system according to claim 1.

11. The acquisition unit acquires the accounting information from a reference specified by the user. The information processing system according to claim 1.

12. The acquisition unit acquires virtual information from the user as accounting information. The information processing system according to claim 1.

13. The aforementioned purchasing management unit manages the operational status of the tax adjustment products purchased by the user, The display unit presents to the user the purchase history (investment history) and / or investment performance of the tax adjustment products purchased by the user. The information processing system according to claim 7.

14. The analysis unit acquires the user's credit information and proposes a loan to the user based on the credit information. The information processing system according to claim 1.

15. The acquisition unit further acquires the user's attribute information, The analysis unit extracts recommended tax adjustment information based on the accounting information and attribute information. The information processing system according to claim 1.

16. A storage unit that stores tax-adjusted product information corresponding to tax-adjusted products, An acquisition unit that acquires the user's accounting information, An analysis unit extracts recommended tax adjustment product information from the aforementioned tax adjustment product information that has a tax adjustment effect on the user, based on the aforementioned accounting information. A display unit that presents the recommended tax adjustment product information to the user, An information processing device equipped with the following features.

17. A program to be executed by a computer having a memory unit and a processing unit, The acquisition step for obtaining the user's accounting information, An analysis step of extracting recommended tax adjustment product information that has a tax adjustment effect on the user from the tax adjustment product information corresponding to the tax adjustment products stored in the memory unit, based on the aforementioned accounting information, A presentation step of presenting the recommended tax adjustment product information to the user, A program that has a specific purpose.

18. An information processing method to be executed by a computer comprising a memory unit and a processing unit, The acquisition step for obtaining the user's accounting information, An analysis step of extracting recommended tax adjustment product information that has a tax adjustment effect on the user from the tax adjustment product information corresponding to the tax adjustment products stored in the memory unit, based on the aforementioned accounting information, A presentation step of presenting the recommended tax adjustment product information to the user, An information processing method having

19. An information processing method that provides a user interface to a user terminal, The aforementioned user interface accepts accounting information input from the user. Based on the accounting information, tax adjustment product information that has a tax adjustment effect on the user is extracted from the tax adjustment product information corresponding to the tax adjustment product and presented as recommended tax adjustment product information. Information processing methods.

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