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

Abstract

Business owners can easily and efficiently find tax adjustment products and implement the most suitable tax adjustment measures. We provide information processing systems, information processing devices, information processing methods, and programs. [Solution] The information processing system stores tax adjustment product information corresponding to tax adjustment products. The unit 120, the acquisition unit 131 which acquires the user's accounting information, and based on the accounting information, A solution to extract recommended tax-adjustable product information from the tax-adjustable product information that has a tax adjustment effect on the aforementioned business operator. It comprises an analysis unit 132 and a presentation unit 135 that presents the recommended tax adjustment product information to the user. ru.

Description

Technical Field

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

Background Art

[0002] Conventionally, as a tax adjustment measure for businesses such as companies and individual business owners, life insurance has been included 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. For example, Patent Document 1 describes a rental management server that provides a rental service that can allow investors to enjoy an appropriate tax adjustment effect in a flexible form.

[0003] .

Prior Art Documents

Patent Documents

[0004] <0000□□□>

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] Here, leasing is a contract for borrowing and using a property or item. There are two types of leasing: 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 or item, the leasing company holds the ownership of the property or item, and depreciation is carried out. 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 in which the lease term is close to or [[ID=5=3]] [[ID= □□□]]

[0006] equal to the useful life of the property or item. It should be noted that there seems to be an unclear "□□□" in the original text at positions ID=36 and ID=□□□, which may be an error or incomplete information. The translation is done as accurately as possible based on the existing clear content. It is a lease agreement of a higher magnitude. For accounting purposes, it is considered that the user has purchased the property, and it is an asset. Accounting and liability are performed. Since depreciation expenses can be recorded, there is a tax adjustment effect. Finance Even with a lease, the leasing company owns the property, so there is no burden of property tax.

[0006] Leasing can reduce initial costs and offer tax benefits through planned expense accounting. However, the items available for lease are diverse, including personal computers, automobiles, factory equipment, ships, and aircraft. The tax adjustment effect varies depending on the content and type of the lease agreement. When considering introducing a lease, Therefore, it is important for business owners to select the most suitable lease agreement for their company's specific circumstances.

[0007] In addition to life insurance and leases, other tax-adjustable products include defined contribution pensions and small business mutual aid programs. There is a mutual aid association.

[0008] On the other hand, it takes time for managers to manually find tax adjustment products and measures that are appropriate for their company's situation. This makes it difficult to immediately determine from accounting data how much tax adjustment is possible. Furthermore, the procedures and considerations for purchasing the products must be carried out separately, resulting in a significant workload. This is especially true for tax-adjustable products. The tax adjustment effect varies depending on when you apply, so it is important to understand the appropriate time to apply. It is important to do so.

[0009] Therefore, this disclosure aims to help users find tax adjustment products and implement optimal tax adjustment measures without hassle. We propose an information processing system, information processing device, information processing method, and program capable of performing the following: It is intended for use in the public. [Means for solving the problem]

[0010] The information processing system according to the present invention includes a storage unit that stores tax adjustment product information corresponding to tax adjustment products, an acquisition unit that acquires accounting information of a user, an analysis unit that extracts recommended tax adjustment product information having a tax adjustment effect on the user from the tax adjustment product information based on the accounting information, and a presentation unit that presents the recommended tax adjustment product information to the registered user. The information processing apparatus according to the present invention includes a storage unit that stores tax adjustment product information corresponding to tax adjustment products, an acquisition unit that acquires accounting information of a user, an analysis unit that extracts recommended tax adjustment product information having a tax adjustment effect on the user from the tax adjustment product information based on the accounting information, and a presentation unit that presents the recommended tax adjustment product information to the user. Also, the employment activity support method according to the present invention is an information processing method for causing a computer including a storage unit and a processing unit to execute, and includes an acquisition step of acquiring accounting information of a user, an analysis step of extracting recommended tax adjustment product information having a tax adjustment effect on the user from the tax adjustment product information stored in the storage unit based on the acquired accounting information, and a presentation step of presenting the recommended tax adjustment product information to the user. Further, the program according to the present invention is a program for causing a computer including a storage unit and a processing unit to execute, and includes an acquisition step of acquiring accounting information of a user, an analysis step of extracting recommended tax adjustment product information having a tax adjustment effect on the user from the tax adjustment product information 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.

[0011]

[0012]

[0013]

[0014] ​​​​​​​​​​​​​​ The information processing method according to the present invention is an information processing method for providing a user interface to a user terminal, wherein the user interface accepts input of accounting information from the user, and extracts, from tax adjustment product information corresponding to tax adjustment products, tax adjustment product information having a tax adjustment effect on the user based on the accounting information, and presents the tax adjustment product information as recommended tax adjustment product information.

Advantages of the Invention

[0015] According to one aspect of the present disclosure, it is possible to provide an information processing system, an information processing apparatus, an information processing method, and a program that enable a user to efficiently find tax adjustment products without hassle and implement an optimal tax adjustment measure.

Brief Description of the Drawings

[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] This is a diagram showing the basic configuration of a computer. [Modes for carrying out the invention]

[0017] The following description will explain an information processing system 1 according to an embodiment of the present invention with reference to the drawings. In all the figures illustrating the embodiments, common components are denoted by the same reference numerals and are repeated. I will omit the explanation of "shi".

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

[0019] Information processing system 1 consists of server 100, first user terminal 200, and second user terminal 3 It includes 00 and . In the system configuration example shown in Figure 1, the first user terminal 200, the second user Although only one terminal (300) is displayed, multiple terminals are acceptable. Server 100, 1st User terminal 200 and second user terminal 300 are connected to the network NW. They can communicate with each other via a network (NW). The network (NW) includes the internet. Hmm. Networks (NW) include LAN (Local Area Network) and / or WAN (Wide Area Network). It may include the REA network.

[0020] Server 100, first user terminal 200, and second user terminal 300 are each one or multiple It consists of the Computer 900. The basic configuration of Computer 900 will be described later. ru.

[0021] Server 100 is accessed by multiple first users (businesses) via the network NW. To the first user terminal 200 used by the user, financial services are provided to the business operator. This is an information processing device that provides and manages interfaces such as pre-prints and web pages. A business operator is a business that conducts business, and a business operator is, for example, a company, a corporation, a legal entity, and a related entity. This includes individuals affiliated with the company (such as business owners) and sole proprietors. Businesses must have prior financial service agreements. After creating a user account and registering, you can log in to access various financial services. Utilize the various functions. A user account can have one or more corporate accounts as sub-accounts. This may include one or more personal accounts. Financial services, as one of their functions, provide a marketplace for tax-adjusted products to first-party users. Provided to the business operator and the second user (seller). Server 100 also provides to the network Second-user terminals 300 used by multiple second-users (sellers) accessing via the network. From there, we accept seller registrations for the sale of tax-adjustable products on the marketplace.

[0022] The first user terminal 200 is a terminal device used by the operator. The second user terminal 300 is These are terminal devices used by the seller. First user terminal 200 and second user terminal 300 The functional configuration will be described later.

[0023] Figure 2 is a functional block diagram of server 100 according to an embodiment of the present invention. Server 100 It 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 via the network NW. It communicates with user terminal 200 and user terminal 300. The communication unit 110 communicates with user terminal 1. The end 200 passes the data received from the second user terminal 300 to the processing unit 130, and processing The data generated by the processing unit 130 is transmitted to the first user terminal 200 and the second user terminal 300. .

[0025] The memory unit 120 is configured using a storage device such as a magnetic hard disk or a semiconductor storage device. The memory unit 120 contains the application program 121 and the database 122. The mathematical model 123 and the memory unit 120 are stored. The memory unit 120 can communicate with the outside of the server 100. It would be fine if it were included in Noh theater.

[0026] The application program 121 is executed by the processing unit 130, and mainly by the processing unit 1 This is a program for implementing 30 different functional units.

[0027] Database 122 is a tax-adjusted goods database (hereinafter referred to as the tax-adjusted goods DB) and , Loan product database (hereinafter referred to as Loan Product DB), Business operator database (hereinafter referred to as This includes the business database (referred to as the "Business Database").

[0028] The tax adjustment product database is a database that manages and stores information on tax adjustment products that correspond to tax adjustment products. Tax-adjustable products are primarily lease products, but also financial products that have a tax-adjustable effect. This may also include insurance products. Tax adjustment product information may include, for example, keywords related to tax adjustment products. This includes information such as classification, minimum investment amount, depreciation rate, lease payments, yield, and URL.

[0029] The loan product database is a database that manages and stores loan product information corresponding to loan products. Loan product information includes information such as the seller of the loan product and the loan terms.

[0030] The business database manages business attribute information (hereinafter simply referred to as attribute information) related to businesses. It is a database for storing information. Attribute information includes, for example, the name of the business, the name of the individual, address, and contact information. Basic information such as corporate number, qualified invoice business registration number, listed / unlisted status, industry, number of employees, This includes capital, annual sales, company size, and head office location. Business attribute information is located under the business hierarchy. You can manage information for each sub-account.

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

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

[0033] Mathematical model 123 compares the accounting information of multiple businesses with the tax adjustment effects of multiple tax adjustment products. Includes a machine learning model that analyzes correlations. The tax adjustment effect is based on tax adjustments according to the business's accounting information. This includes the expected effect of the product. The expected effect of a tax-adjusted product according to the business operator's accounting information is, This represents the expected monetary effect that a business can gain from one or more tax adjustment products. Furthermore, under circumstances involving uncertainty, we consider multiple possible future outcomes and their probabilities. These are calculated by comprehensively evaluating them. The expected effect amount is calculated using specific indicators, for example, tax adjustments. Includes savings and yield. Furthermore, mathematical model 123 uses accounting information from multiple businesses and the recommendation levels of multiple tax adjustment products. , may include a machine learning model that analyzes the correlation between , and . Mathematical model 123 further, business The expected effect of tax adjustment products based on the accounting information of the individual, and the risk, are used as intermediate variables in the learning process. It may be used. Risks include, for example, uncertainty in the amount of effect, and the accounting and attribute information of the business operator. This is the uncertainty of the underlying assumptions. The learning process further considers tax adjustment product categories, business attributes, regions, and projected net income. This may be done for each amount, for each amount of free cash flow.

[0034] The processing unit 130 consists of an acquisition unit 131, an analysis unit 132, and a purchase management unit as functional units. It comprises 133, a product management unit 134, and a display unit 135. The processing unit 130 is a storage unit 1 By executing the application program 121 stored in 20, these Each functional unit is implemented and executes the respective processes of tax adjustment support processing and product registration processing. Details of the adjustment support process and product registration process will be described later.

[0035] The acquisition unit 131 acquires the business operator's accounting information. The acquisition unit 131 further acquires the business operator's Sexual information may be obtained. The acquisition of accounting information is based on text information directly entered by the business operator on the first user terminal 200. The operator may obtain the electronic file uploaded on the first user terminal 200. Electronic information such as IDs may be obtained, and the business operator may obtain such information when registering for the financial service or thereafter. Alternatively, the data may be retrieved by referring to the accounting information database of server 100 that has been registered in advance, or the first user - The reference destination designated by the service provider on terminal 200 (for example, the service provider's website, etc.) You can also obtain it from RL. Furthermore, for example, the acquisition unit 131 acquires virtual information from the business operator as accounting information. It is also acceptable. Specifically, for example, a business operator may include free cash flow in their cash flow statement. Enter predicted or assumed values ​​for the amount of the low, and send them to server 100 as accounting information. That's good too. 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 for the purchase of tax-adjusted products corresponding to the tax-adjusted product information. accept.

[0038] The acquisition section 131 also includes information from the seller regarding the seller's tax assessment in relation to the financial services. Obtain a sales registration request indicating the seller wishes to sell the product. Includes tax-adjusted product information corresponding to the tax-adjusted products of sellers who wish to sell them in the financial services. Furthermore, the sales registration request includes specified information regarding the seller's tax-adjustable goods. The specified information includes: This is information necessary for marketplace operators to review tax-adjustable products, for example. , the seller's corporate number, the seller's name, address and contact information, basic information such as whether the company is listed or unlisted, industry, This section outlines the number of employees, capital, annual sales, and tax-adjustable goods handled. The acquisition section 131 details the tax-adjustable goods. The tax adjustment product information corresponding to each product and the review results are stored in the tax adjustment product database. Similarly, the acquisition unit 131 obtains from the seller of the loan product that the seller provides for the financial service. Obtain a sales registration request from a seller indicating their desire to sell loan products and register it in the financial product database. This is also acceptable. In this case, the sales registration request includes financial product information corresponding to the financial product. The information includes the seller's basic information and loan terms.

[0039] The analysis unit 132 adjusts the tax adjustments in the tax adjustment product DB of the storage unit 120 based on the business operator's accounting information. Recommended tax-adjustable product information is based on product information that provides a tax adjustment effect to the business operator. The data is extracted as follows. The analysis unit 132, if the attribute information of the business operator is available, then the accounting information is extracted. Recommended tax-adjusted product information may be extracted based on attribute information.

[0040] The analysis unit 132 also calculates the recommendation level of tax adjustment product information based on the business operator's accounting information. The recommendation level is, for example, based on the target amount for tax adjustments, the estimated net income, free cash flow, and maximum It may be calculated (as a calculation indicator) based on the tax adjustment period (in months), etc. The recommendation is based on the expected effect of the tax adjustment product according to the business operator's accounting information, and / or its price. It may be calculated based on (as a calculation index). The analysis unit 132 analyzes the attributes of the business operator. If available, the recommendation level for tax adjustment product information is calculated based on accounting and attribute information. It is acceptable to release it. The analysis unit 132 also calculates the recommendation level only for the extracted recommended tax adjustment product information. You may calculate this.

[0041] The analysis unit 132 processes the accounting information of the business operator (or accounting information and attribute information) into the mathematical model 123. By inputting the report, recommended tax-adjusted product information may be extracted. Furthermore, the analysis unit 132, Enter the business operator's accounting information (or accounting information and attribute information) into mathematical model 123. Then, you can calculate the recommendation level of the tax-adjusted product information.

[0042] The analysis unit 132 also analyzes the simulation results regarding the tax adjustment effect of the tax adjustment product information. This will be presented to the business operator. The simulation will be based on the tax-adjustable product information selected by the business operator. It may be performed in this way. The simulation may be used, for example, to calculate tax adjustment amounts and yields. be.

[0043] The analysis unit 132 also analyzes the tax adjustment product information selected by the business operator and the business operator's purchase You may determine whether it is acceptable or not.

[0044] The analysis unit 132 also analyzes the business operator's accounting information (or accounting information and attribute information) Based on the tax adjustment product information in the tax adjustment product database, we recommend tax adjustment products that will bring tax adjustment benefits to businesses. Extract recommended insurance information and / or recommended lease information as data.

[0045] The analysis unit 132 proposes a loan (financing) to the business operator. Specifically, the analysis unit 132 proposes a loan (financing) to the business operator. Based on the company's accounting information, information on loan products that meet the loan conditions is extracted from the loan product database, and the business It is presented to the person. The analysis unit 132 also acquires the business operator's credit information when necessary, and the business operator Based on their credit information and / or accounting information, a lender may offer a loan to a business. Credit information may be credit information of businesses pre-stored in the memory unit 120, or external credit information. Credit information provided by information agencies is also acceptable. The analysis unit 132 analyzes the business operator's projected net profit and / or, if the free cash flow is below a predetermined value, the credit information of the business operator will be obtained. Based on the credit information of the business operator, a loan (financing) may be offered to the business operator. The analysis unit 132 is... Based on the financial situation of the business obtained from the business's accounting information, the credit information of the business is obtained, and loans are provided. You could also suggest this.

[0046] The purchasing management unit 133 manages and records the purchase of tax-adjustable goods by businesses. Purchases may be managed and remembered on a per-subaccount basis within the business's user account.

[0047] The Purchasing Management Department 133 will contact businesses regarding the tax-adjustable goods that businesses wish to purchase, and will issue purchase contracts to these businesses. We will assist and execute the procedures. Purchase agreements will be electronic contracts using electronic signatures and electronic certificates. This is also acceptable, and traditional paper contracts are also fine. In this way, server 100 provides the functionality for electronic contracts. Therefore, it can contribute to the digital transformation of sellers. For businesses, this includes improving the customer experience of the financial services, and improving the searchability and management of contract documents. It can improve sexual performance.

[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 instructs businesses and sellers to provide tax-adjustable products on online marketplaces. We provide chairs (hereinafter simply referred to as the marketplace).

[0050] Product Management Department 134 coordinates tax-adjustable product information corresponding to the seller's tax-adjustable products with the seller. The information is then stored in the tax adjustment product database of the memory unit 120.

[0051] Product Management Department 134 reviews tax-adjusted products based on the prescribed information of tax-adjusted products, and the review If the inspection is passed, the tax adjustment product information corresponding to the seller's tax adjustment products will be stored in the tax adjustment product database. And publish it on the marketplace.

[0052] Product Management Department 134: Search history of tax-adjusted products of businesses in the marketplace and The browsing history may also be stored in the business database of the storage unit 120, linked to the business. This includes search criteria such as keywords and filtering conditions.

[0053] The display unit 135 displays tax-adjusted product information to the business operator's first user terminal 200. The display unit 135 then displays a list of tax-adjusted goods in a marketplace manner to the first user terminal. Displayed in 200. In the marketplace, keyword search and pre-defined categories are used. An interface for various functions such as refined search and sorting is provided. This can be done based on factors such as recommendation level, investment amount, tax adjustment amount, etc. This includes the business's past purchase history of tax-adjustable products, search history on the marketplace, and browsing history. Experience may also be taken into consideration.

[0054] The display unit 135 also displays a list of extracted recommended tax adjustment product information to the business operator's first user terminal. This will be presented at the end of the month (200). An example of the screen displaying recommended tax-adjusted product information will be described later.

[0055] The display section 135 also includes recommended tax adjustment product information, recommended insurance information, and recommended re The operator presents at least one of the S information to the operator's first user terminal 200.

[0056] The presentation section 135 also presents the tax adjustment amount as a simulation result regarding the tax adjustment effect. The calculation results, yield calculation results, and purchase eligibility determination results are sent to the operator's first user terminal 200. This will be presented to the aforementioned business operator. An example of a screen displaying 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 section 135 also displays the purchase history (investment history) of tax-adjusted products purchased by the business operator and / Alternatively, the investment performance is displayed to the operator's first user terminal 200. Purchase history and investment performance Screen examples will be discussed later.

[0059] Figure 3 shows the first user terminal 200 and the second user terminal 300 according to an embodiment of the present invention. This is a functional block diagram. The first user terminal 200 includes a communication unit 210, a storage unit 220, a control unit 230, and a display unit. It comprises a 240 and an operation unit 250. A communication unit 210, a storage unit 220, a control unit 230, and a display The display unit 240 and the operation unit 250 are electrically connected to each other via the communication bus 260. ru. The second user terminal 300 includes a communication unit 310, a storage unit 320, a control unit 330, and a display unit. It comprises a 340 and an operation unit 350. A communication unit 310, a storage unit 320, a control unit 330, and a display The display unit 340 and the operation unit 350 are electrically connected to each other via the communication bus 360. ru. The first user terminal 200 and the second user terminal 300 are, for example, smartphones, tablets. These include net-type terminals and PCs.

[0060] <System Operation> Next, regarding the operation of the tax adjustment support processing of the information processing system 1 having the above-described configuration and functions: This will be explained using a flowchart. The tax adjustment support process analyzes a business's accounting information and presents the most suitable tax adjustment product to that business. Product presentation process SG1 and based on the business operator's credit information, etc. (credit information and / or accounting information) The loan proposal process SG2 involves proposing loan products to businesses, and the tax adjustment product selected by the business. The SG3 process involves calculating the tax adjustment amount and presenting it to the business operator, and the business operator's chosen tax This is a series of processes including multiple steps in the contract support process SG4, which supports the purchase contract of adjusted goods. The tax adjustment support process involves businesses logging into financial services and accessing the financial services market. When using the place, the process mainly involves the interaction between the service provider's first user terminal 200 and the server 100. It will be carried out as a matter of principle.

[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. —This is a chart.

[0062] In step S101, the first user terminal 200 receives input of accounting information from the business operator. Then, it is sent to server 100. For example, a business operator will send accounting information such as the closing month and tax adjustments. You may also enter the target amount for the section or the target investment amount. The acquisition unit 131 of the server 100 will input the first The system retrieves the business operator's accounting information from the user terminal 200 and stores it in the storage unit 120 (accounting information retrieval). (Step 2). The first user terminal 200 inputs not only accounting information but also the attribute information of the business operator. The message may be received and sent to server 100.

[0063] In step S102, the analysis unit 132 of the server 100 acquires in step S101. Based on the accounting information obtained, the presence or absence of a tax adjustment effect is determined for each tax adjustment product in the tax adjustment product database. The recommendation level is calculated and the analysis results are stored in the storage unit 120 (analysis step). Analysis unit 13 2. If the attribute information of the business operator is available, further analysis may be performed using that attribute information. .

[0064] In step S103, the analysis unit 132 of the server 100 performs the analysis in step S102. Based on the results, recommended tax-adjusted products are extracted (extraction step).

[0065] In step S104, the presentation unit 135 of the server 100 extracts in step S103. The recommended tax-adjusted products are presented (displayed) on the business operator's first user terminal 200. You may present a list of tax-adjusted products 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 refers in step S105 The credit information of the business operator, the accounting information of the business operator obtained in Step S101, and the loan product Based on the loan conditions information, a decision is made as to whether or not a loan can be provided to the business (loan decision system). Step). If the result is true (YES), i.e., if financing is possible, proceed to step S107. Proceed. On the other hand, if the judgment result is false (NO), i.e., if financing is not possible, proceed to step S107. Skip and proceed to step S108.

[0068] In step S107, the display unit 135 of the server 100 displays the loan terms available to the business operator. The product is presented (displayed) on the business operator's first user terminal 200, and the use of the loan is proposed.

[0069] In step S108, the first user terminal 200 selects tax-adjusted products by the business operator. The server receives the data and sends it to the server 100. The acquisition unit 131 of the server 100 receives the data from the first user terminal. Obtain the selection of tax-adjustable products (recommended tax-adjustable products are also acceptable) from 200 (selection acquisition step) Businesses may select multiple tax adjustment products.

[0070] In step S109, the analysis unit 132 of the server 100 performs the business in step S105. The tax adjustment amount is calculated for the tax-adjustable product selected by the user (Tax Adjustment Amount Calculation Step).

[0071] In step S110, the display unit 135 of the server 100 is calculated in step S112. The adjusted tax amount is displayed on the business operator's first user terminal 200.

[0072] In step S111, the first user terminal 200 will contact the business operator to request the purchase of tax adjustments. The system accepts the product selection and purchase request and sends it to server 100. (Server 100 acquisition unit) 131 obtains the purchase request from the first user terminal 200 (purchase request acquisition step). Businesses may require customers to purchase multiple tax-adjustable products.

[0073] In step S112, the purchase management unit 133 of the server 100 performs the following in step S111 We will initiate the purchase agreement process based on the purchase request.

[0074] Next, regarding the operation of the product registration process of the information processing system 1 having the above-described configuration and functions... I will explain it using a flowchart. Product registration processing occurs when a seller requests product registration for their tax-adjustable products. In addition, this process involves registering and publishing the seller's tax-adjusted products on the marketplace.

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

[0076] In step S201, the seller accesses the marketplace from the second user terminal 300. In this system, the seller sends a sales registration request to server 100 for tax-adjusted goods they wish to sell. The acquisition unit 131 of the server 100 acquires a sales registration request from the second user terminal 300. Request Acquisition Steps). The sales registration request requires tax-adjustable product information and the necessary information for reviewing tax-adjustable products. Includes fixed information.

[0077] In step S202, the product management unit 134 of server 100 in step S201 Based on the information provided in the acquired sales registration request, the seller's tax-adjusted products will be reviewed. Determine whether it is a pass or a fail. If the result of the determination is true (YES), that is, if the result of the examination is a pass, Proceed to step S203. On the other hand, if the judgment result is false (NO), that is, if the assessment result is a failure... In that case, the second user terminal 300 is notified accordingly and the flow is terminated.

[0078] In step S203, the product management unit 134 of server 100 in step S201 The acquired tax adjustment product information is associated with the seller and registered in the tax adjustment product DB of the storage unit 120. (To remember)

[0079] In step S204, the product management unit 134 of server 100 in step S203 The process is completed by publishing the registered tax-adjustable product information on the marketplace.

[0080] Each of the operation flows in the above-mentioned tax adjustment support process and product registration process is performed separately and independently. It is possible to perform the operation by combining two or more operation flows, not just in this case. For example, one operation You may add some steps from one operation flow to another operation flow, or one step from one operation flow. The steps in this section may be replaced with some steps in other operation flows. In each flow, It is not necessary to perform all steps; you may perform only some of them. 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 a server 100 according to an embodiment of the present invention, which is displayed on the first user terminal 200. This diagram shows example screens D100, D200, D300, and D400 for financial services. That is the case.

[0083] Screen D100 shown in Figure 6 is based on the accounting information of businesses in the marketplace. The image displayed on the first user terminal 200 of the business operator that presents extracted recommended tax adjustment product information. This is an example.

[0084] At the top of screen D100, the title "T" indicates a marketplace for tax-adjusted goods. The text D110 reads "ax Market". Additionally, the text "19 search results" is displayed on screen D100. There are 19 recommended tax-adjusted product listings extracted based on the business operator's accounting information, etc. This indicates something. From text D120 downwards, the extracted recommended tax-adjusted product information is listed. In the screen D100 shown in Figure 6, the entirety of the recommended tax-adjusted product information D121 and the recommended tax-adjusted products Part of information D122 is displayed. The operator is scrolling screen D100. This allows you to view information on other recommended tax-adjusted products in the list. Above text D120, the filtering condition D130 is placed. Filtering condition For D130, the following options were selected: "Immediate redemption available," "High-yield product," and "Overseas investment product." The options are arranged in a selectable manner. One or more selections are possible for the filtering condition D130. The upper part of the filtering condition D130 reflects the conditions selected in filtering condition D130. The "narrow down" button D140 and the search results (list of recommended tax-adjusted product information) A "Recommended" button D150 is provided to sort the items in the recommended order. By selecting (tapping or clicking) the "Recommended Order" button D150, you can select the recommended tax adjustment. The products can be sorted based on their recommendation level, which is determined by the analysis of server 100.

[0085] The screen D200 shown in Figure 7 displays the tax-adjusted products (including recommended tax-adjusted products) in the marketplace. This is an example of a screen that appears when you select any tax adjustment item from the list. If you select Recommended Tax Adjustment Product Information D121 from the list of Recommended Tax Adjustment Products shown in Figure 6, Let's assume that.

[0086] Screen D200 displays a product description brochure for the tax-adjusted product selected by the business operator. Information area D210 is located here, which shows the target destination and contact information for support. Below information area D210 is information area D220, which contains information about the purchase of the tax-adjusted product. It is being done. Information area D220 contains the business operator's fiscal year-end month (closing date) and the desired number of tax adjustment products to be purchased. An input field to select, an input field to select the purchase price of the tax-adjusted product, and the selected desired purchase The total amount column shows the total amount calculated based on the number and selected purchase amount, and the closing month. This column shows the amount of depreciation for the first year, calculated based on the total purchase price of the product. And are located there. Also, at the bottom of information area D220, the selected content is displayed for the relevant tax adjustment. Button D221 to initiate the contract procedure for the tax-adjusted product, and regarding the purchase of the tax-adjusted product A button D222 for chatting is located there. Below information area D220 is information area D2, which shows information regarding the purchase of the tax-adjusted product. 30 is located there. At the top of information area D230 are "Overview" and "Simulation". The three "Documents" tabs are positioned so that any one can be selected. (Screen D20, shown in Figure 7) In setting 0, "Simulation" is selected. Below the tab, there is a section for "Simulation". The details of the analysis include total investment amount, cumulative dividend amount, first-year loss rate, and annual yield (tax benefits included). Each year, an amount or number is placed for the annual yield. Simulation results The interface presented allows businesses to determine, before purchasing, the profit based on the investment amount and fiscal year. This allows you to understand the amount of expenses at a glance.

[0087] The screen D300 shown in Figure 8 displays the tax-adjusted products (including recommended tax-adjusted products) purchased by the business operator. This is an example of a screen that displays information related to [the topic].

[0088] At the top of the D300 screen, the title of the screen reads "Investment Products in Operation". D310 is located there. Below text D310 is information area D320, which shows information about all investment products currently in operation. It is located there. Information area D320 contains the amount of "total investment" and "depreciation earned so far." The amounts for "Refund" and "First Year Deductible Rate" are displayed. The lower part of information area D320 contains information about investment products that businesses have purchased and are managing, including tax The tax adjustment items are listed. In screen D300 shown in Figure 8, tax adjustment items are listed as an example. Information D330 and tax adjustment product information D340 are displayed. The business operator should turn screen D300. By scrolling, you can view information on other tax-adjusted products in the list. Tax adjustment product information D330 includes an image icon for the tax adjustment product and "truck lease". The product name "A", the amount of "revenue earned to date" by the business operator from the tax-adjusted product, and the The management number for the tax-adjusted product contract is displayed. Similarly, the tax adjustment product information D340 includes an image icon for the tax adjustment product and a "truck" The product name is "Lease B," and the amount of "revenue earned so far" by the business operator from the said tax-adjusted product. The management number of the contract for the relevant tax adjustment product is displayed. Businesses can select (tap or click) tax adjustment product information D330 and D340. This allows you to transition to a screen where you can view detailed information and contract information for the relevant tax adjustment product. ru.

[0089] The screen D400 shown in Figure 9 displays detailed information and contract information of the tax-adjusted products purchased by the business operator. This is an example of the screen to be displayed. For example, from the list of tax-adjusted products purchased by the business operator shown in Figure 7. It is assumed that tax adjustment product information D330 for "Truck Lease A" has been selected.

[0090] At the top of the D400 screen, the title of the tax-adjusted product is displayed: "Truck Lease" Text D410, which indicates "A", is placed there. Below text D410, an overview of the investment in the tax adjustment product "Truck Lease A" is shown. Information area D420 is located here. Information area D420 contains the purchase date and the "investment amount". The amount, the amount of "depreciation earned so far," and the amount of "first-year expense rate" are arranged accordingly. ru. The lower part of information area D420 shows information regarding the tax adjustment product "Truck Lease A". Information area D430 is located here. At the top of information area D430 are "Operational Status" and "Overview". The three tabs, "Documents," and "(Other)," are positioned so that any one can be selected. (Screen D4 shown in Figure 8) In 00, "Operational Status" is selected. Below the tab, details of "Operational Status" are available. In detail, the date and amount of the lease payment received are displayed.

[0091] <Basic Computer Configuration> Figure 10 is a block diagram showing the basic hardware configuration of the Computer 900. Computer 900 comprises a control unit 901, a storage unit 902, a communication unit 903, and an input unit 904. It has an output unit 905. Control unit 901, storage unit 902, communication unit 903, input unit 90 4 and the output unit 905 are electrically connected to each other via the communication bus 910.

[0092] The control unit 901 is a CPU (Central Processing Unit). It includes a processing unit (also called a processor) and controls the various parts of the computer 900. It is a device that reads and executes various programs stored in the memory unit 902.

[0093] The memory unit 902 is a DRAM (Dynamic Random Access Memory). Computer 90 includes main memory such as ry) and auxiliary storage such as hard disk Various programs for running the operating system and various applications RAM, and the device that stores the data used by these programs. The process shown in the flowchart described above involves Server 100, First User Terminal 200, and Second User Each control unit 901 of each computer constituting the terminal 300 controls its respective storage unit 90 This is achieved by executing the program stored in item 2.

[0094] The communication unit 903 is a device for communicating with external devices, and operates according to the instructions of the control unit 901. Data is sent and received. Server 100, first user terminal 200, second user terminal 300 Each computer that makes up the network uses this communication unit 903 to connect to the network shown in Figure 1. It communicates with other devices, including the work network.

[0095] The input unit 904 is a device that receives input from an external source and supplies it to the control unit 901, for example. For example, it consists of a keyboard, mouse, touch panel, and camera. The output unit 905 is This device outputs the processing results of the control unit 901 to an external device, such as a display or speaker. It is composed of including the following. <Program> Here, a program for realizing each functional unit of the server 100 according to this embodiment I will explain this.

[0096] Server 100 is implemented on computer 900. The various components of server 100 are then... The basic operation is stored in program form in the auxiliary storage device of the memory unit 902. Control unit 90 1 reads the program from the auxiliary storage device of the storage unit 902 and stores it in the main storage device of the storage unit 902. It is deployed to the location and the above process is executed according to the program. In addition, the control unit 901 is programme According to the Gram, the storage area corresponding to the storage unit 120 described above is stored in the main memory of the storage unit 902. Secure it.

[0097] Specifically, the program is used in computer 900, with a processor and a memory unit A program to be executed by a computer comprising a processing unit and the program Mu is, Acquisition step of obtaining user accounting information, and based on the accounting information, the storage unit Based on the tax adjustment product information corresponding to the stored tax adjustment products, recommendations that have a tax adjustment effect on the user are available. An analysis step to extract tax-adjusted product information, and the presentation of the recommended tax-adjusted product information to the user. It has a presentation step and a step.

[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 media that are not tangible media include magnetic disks connected via the input unit 904, optical disks, etc. Examples include magnetic disks, CD-ROMs, DVD-ROMs, and semiconductor memory. If the program is distributed to computer 900 via the network NW, the distribution The receiving computer 900 then loads the program into the main memory of the storage unit 902, and the above You may proceed with the process.

[0099] Furthermore, the program may be intended to implement some of the functions described above. Furthermore, the program has already stored the aforementioned functions in the auxiliary storage device of the memory unit 902. These are things that are achieved by combining them with other programs, so-called differential files (differential programs) (Mu) is also acceptable.

[0100] According to the information processing system 1 of this embodiment described above, businesses can efficiently process taxes without hassle. We can identify regulated products and implement the most suitable tax adjustment measures. Furthermore, since the entire process from purchasing tax-adjustable products to determining their effects can be carried out consistently within the system, business operations This can improve efficiency. Furthermore, we can provide support for all aspects of business management, including not only tax adjustments but also fundraising and investment strategies. Therefore, it supports the decision-making of managers.

[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 is trained using machine learning. While it was a model, a rule-based model would also be acceptable.

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

[0104] Furthermore, in the above embodiment, the tax adjustment support processing is performed by the analysis unit 132 of the server 100, which selects the business operator. A step to determine whether or not to purchase the selected tax-adjusted products based on the business's accounting information, The steps include presenting (displaying) the purchase approval / rejection result to the business operator's first user terminal 200. It may include ,.

[0105] Furthermore, the tax adjustment support processing in the above embodiment involves the server 100's resolution before step S109. The analysis unit 132 analyzes the estimated net income and / included in the accounting information obtained in step S101. or includes the step of determining whether the amount of free cash flow is less than or equal to a predetermined value, If the determination result is true (YES), that is, the estimated net income and free cash flow are predetermined If the value is less than or equal to the expected net income, proceed to step S109, and if the result is false (NO), then the expected net income for the period is not met. If the amount, free cash flow is greater than the predetermined value, then step S109 to step S You may skip step 111 and proceed to step S112.

[0106] Furthermore, in step S106 of the tax adjustment support processing in the above embodiment, the analysis unit 132, Even if the credit information of the business operator cannot be obtained, the business operator's accounting information and the loan terms and conditions of the loan product can be obtained. Based on the information, a decision may be made as to whether or not a loan can be provided to the business. In SG2, the determination in step S106 is omitted, and in step S107, the business operator They may also offer loan products that meet the loan requirements.

[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, Based on the aforementioned accounting information, the tax adjustment product information that has a tax adjustment effect on the user is An analysis unit that extracts information on tax-adjusted products, A display unit that presents the recommended tax adjustment product information to the user, An information processing system equipped with the following features. This makes it easier for users to find tax-adjustable products that have a tax-adjustable effect. In other words, users can easily and efficiently find tax adjustment products and implement the most suitable tax adjustment measures. . (Note 2) The aforementioned accounting information includes the closing date, tax adjustment target amount, estimated net income for the period, and free cash. Includes at least one of the amounts of Shuflow, The information processing system described in Appendix 1. As a result, the information processing system will determine the closing date, the tax adjustment target amount, the estimated net profit for the current period, and Analysis can be performed based on the amount of cash flow and / or 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. ru, 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 based on the expected effect of the tax adjustment product according to the user's accounting information. It is calculated by 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 aforementioned analysis unit analyzes the correlation between the accounting information of multiple users and the tax adjustment effects of multiple tax adjustment product information. The recommended tax-adjusted product information is extracted using a learning model that has learned the above. 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. death, 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 know the specific tax adjustment amount for the selected tax adjustment product. can. (Note 7) The acquisition unit receives a request from the user for purchase of a tax-adjusted product corresponding to the tax-adjusted product information. Reception, The Purchase Management Department executes a purchase contract with the aforementioned user for the tax-adjusted goods that the user wishes to purchase. To prepare further, 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. User convenience will improve. (Note 8) The acquisition unit obtains information on tax-adjusted goods from the seller of the tax-adjusted goods that corresponds to the tax-adjusted goods of the seller. If a sales registration request is received that includes information, The tax adjustment product information corresponding to the tax adjustment product of the aforementioned seller, and the aforementioned seller, are associated with the aforementioned seller. It further includes a product management unit that stores information in the memory unit. An information processing system as described in any of the appendices 1 to 7. As a result, the information processing system receives requests from multiple sellers to sell tax-adjusted goods. This allows us to provide users with information on tax-adjusted products from multiple sellers, thereby expanding user choices. can. (Note 9) The aforementioned product management department provides the aforementioned users and sellers with a marketplace for tax-adjusted products. To provide 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 you to, for example, use links to publicly available accounting information on your own website as references. This allows for standardization and simplifies the user's workflow. (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 recommendations to be made based on hypothetical information even if the user cannot provide accurate information. We can offer tax-adjustable products. (Note 13) The aforementioned purchasing management unit manages the operational status of the tax adjustment products purchased by the user, The display unit shows the purchase history (investment history) of the tax adjustment product purchased by the user and / Alternatively, the investment performance may be presented to 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, based on the credit information, provides the user with Propose a loan, An information processing system as described in any of the appendices 1 to 13. This provides a countermeasure to prevent users from missing out on opportunities to purchase tax-adjusted products based on their financial situation. It can be presented. (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, Based on the aforementioned accounting information, the tax adjustment product information that has a tax adjustment effect on the user is An analysis unit that extracts information on tax-adjusted products, 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, Based on the aforementioned accounting information, the tax adjustment product information corresponding to the tax adjustment product stored in the storage unit An analysis step to extract information on recommended tax-adjustable products that have a tax adjustment effect on the user from the report, A presentation step of presenting the recommended tax adjustment product information to the user, A program that has a name. (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, Based on the aforementioned accounting information, the tax adjustment product information corresponding to the tax adjustment product stored in the storage unit An analysis step to extract information on recommended tax-adjustable products that have a tax adjustment effect on the user from the report, 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. The following is extracted from the tax adjustment product information corresponding to the tax adjustment product based on the accounting information: The system will present information on tax-adjustable products that have a tax adjustment effect as recommended tax-adjustable 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 part 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, Based on the aforementioned accounting information, the tax adjustment product information that has a tax adjustment effect on the user is An analysis unit that extracts information on tax-adjusted products, 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, tax adjustment target amount, estimated net income for the period, and free cash. Including at least one of the amounts of Shuflow, 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 adjustment product information to the user in order of recommendation level. ru, The information processing system according to claim 1 or 2.

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

5. The aforementioned analysis unit analyzes the correlation between the accounting information of multiple users and the tax adjustment effects of multiple tax adjustment product information. The recommended tax-adjusted product information is extracted using a learning model that has learned the above. 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. death, 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 for purchase of a tax-adjusted product corresponding to the tax-adjusted product information. Reception, The Purchase Management Department executes a purchase contract with the aforementioned user for the tax-adjusted goods that the user wishes to purchase. To prepare further, The information processing system according to claim 1.

8. The acquisition unit obtains information on tax-adjusted goods from the seller of the tax-adjusted goods that corresponds to the tax-adjusted goods of the seller. If a sales registration request is received that includes information, The tax adjustment product information corresponding to the tax adjustment product of the aforementioned seller, and the aforementioned seller, are associated with the aforementioned seller. It further includes a product management unit that stores information in the memory unit. 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. To provide 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 shows the purchase history (investment history) of the tax adjustment product purchased by the user and / Alternatively, the investment performance may be presented to the user. The information processing system according to claim 7.

14. The analysis unit acquires the user's credit information and, based on the credit information, provides the user with Propose a loan, 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, Based on the aforementioned accounting information, the tax adjustment product information that has a tax adjustment effect on the user is An analysis unit that extracts information on tax-adjusted products, 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, Based on the aforementioned accounting information, the tax adjustment product information corresponding to the tax adjustment product stored in the storage unit An analysis step to extract information on recommended tax-adjustable products that have a tax adjustment effect on the user from the report, 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, Based on the aforementioned accounting information, the tax adjustment product information corresponding to the tax adjustment product stored in the storage unit An analysis step to extract information on recommended tax-adjustable products that have a tax adjustment effect on the user from the report, 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. The following is extracted from the tax adjustment product information corresponding to the tax adjustment product based on the accounting information: The system will present information on tax-adjustable products that have a tax adjustment effect as recommended tax-adjustable product information. Information processing methods.

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