PROGRAM, INFORMATION PROCESSING APPARATUS AND METHOD

Abstract

To provide a technology which facilitates selection of settlement means containing cashless settlement in a transaction between business operators, and makes it possible to set settlement means for each transaction partner.SOLUTION: A server of a transaction management system causes, as a function thereof, execution of the steps of: presenting, to a user, a workflow for managing information pieces regarding a transaction of a user with another business operator; presenting, in the workflow, to the user, one or more first information pieces of the stored information pieces; accepting selection of one of the first information pieces in the transaction with the other business operator presented in the workflow; outputting pieces of settlement data for settling an amount of money on the basis of the accepted one of the first information pieces following each kind of means; and generating pieces of account data corresponding to the settlement means of an accounting system 1 used by the user on the basis of the outputted settlement data.SELECTED DRAWING: Figure 8

Description

[Technical field]

[0001] The present disclosure relates to a program, an information processing device, and a method. [Background technology]

[0002] Recently, cashless payments, which use electronic information that has the same value as currency, such as electronic money, have become more common. In addition, cryptocurrency payments using blockchain technology are becoming more common as a cashless payment method.

[0003] This type of cashless payment is becoming more and more common not only when individuals purchase goods at stores, but also in the field of electronic commerce between businesses, such as corporations and sole proprietors.

[0004] As a technology for supporting electronic commerce between businesses, Patent Document 1 discloses a technology relating to a system for supporting transactions using credit virtual currency. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Special Publication No. 2020-505657 Summary of the Invention [Problem to be solved by the invention]

[0006] By the way, in the case of transactions between businesses, even if one wishes to use a payment method that suits one's own convenience, it is not easy to switch to cashless payment, as the convenience of the other party also has to be considered.In addition, there are a wide variety of cashless payment methods, and it is not easy to grasp the method that the other party prefers.

[0007] Therefore, this disclosure describes a technology that makes it easy to select payment methods, including cashless payment, in transactions between businesses, and enables payment methods to be set for each trading partner business and for each transaction. [Means for solving the problem]

[0008] According to an embodiment of the present disclosure, a program to be executed by a computer including a processor and a memory is provided. The memory stores first information for identifying one or more payment methods set by a user (a business owner) as a means to be used in transactions with other business owners. The program causes the processor to execute the steps of: presenting to the user a workflow that manages information regarding the user's transactions with other business owners; presenting to the user one or more pieces of first information stored in the workflow; accepting selection of one piece of first information in transactions with other business owners presented in the workflow; outputting payment data for settling the amount of the transaction according to each means based on the accepted one piece of first information; and generating accounting data corresponding to the payment means in an accounting system used by the user based on the output payment data. Effect of the Invention

[0009] According to the present disclosure, it becomes easier to select a payment method, including a cashless payment, for transactions between businesses. It also becomes possible to set a payment method for each business partner and for each transaction. [Brief description of the drawings]

[0010] [Figure 1] FIG. 1 is a diagram showing the overall configuration of a transaction management system 1 of a first embodiment. [Diagram 2] 1 is a block diagram showing the functional configuration of a terminal device 10 constituting a transaction management system 1 of embodiment 1. [Diagram 3] FIG. 2 is a diagram showing the functional configuration of a server 20 constituting a transaction management system 1 of the first embodiment. [Figure 4] FIG. 2 is a diagram showing an example of the data structure of a user business database 2021 stored in the server 20 constituting the transaction management system 1 of the first embodiment. [Diagram 5] 1 is a diagram showing an example of a data structure of a transaction database 2022 stored in a server 20 constituting the transaction management system 1 of the first embodiment. [Figure 6] 2 is a diagram showing an example of the data structure of an accounting database 2023 stored in the server 20 constituting the transaction management system 1 of the first embodiment. FIG. [Figure 7] 11 is a flowchart showing an example of the flow of transaction information registration processing performed by the transaction management system 1 of the first embodiment. [Figure 8] 11 is a flowchart showing an example of the flow of payment method registration processing by the transaction management system 1 of the first embodiment. [Figure 9] 1 is a flowchart showing an example of the flow of settlement processing by the transaction management system 1 of the first embodiment. [Figure 10] 11 is a diagram showing an example of a workflow screen displayed on the terminal device 10. FIG. [Figure 11] FIG. 2 is a diagram showing an example of a screen of transaction information displayed on the terminal device 10. [Figure 12] FIG. 13 is a diagram showing an example of a payment method presentation and selection screen displayed on the terminal device 10. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] Hereinafter, an embodiment of the present disclosure will be described with reference to the drawings. In the following description, the same components are denoted by the same reference numerals. Their names and functions are also the same. Therefore, detailed description thereof will not be repeated.

[0012] <Summary> The transaction management system according to the present disclosure will be described below. The transaction management system according to the present disclosure is a system for managing information on transactions between users who are business operators. In general, when transactions such as ordering, receiving, and purchasing goods and services are carried out between businesses or individual business owners, the processes of quotation, ordering, receiving, delivery, billing, and payment are often carried out. For example, when placing an order or receiving an order for a transaction between businesses, the ordering company asks the receiving company to submit a quotation, and when an agreement is reached on the conditions such as the amount stated in the quotation, the receiving company asks the receiving company to submit a purchase order, the receiving company provides the goods or service, the receiving company asks the receiving company to submit an invoice for the payment of the cost of the service, and the amount stated in the invoice is actually paid. In this way, the transaction management system according to the present disclosure accepts access from the business operators who are the parties to the transaction, manages the processes such as quotation, ordering, receiving, delivery, billing, and payment in the transaction as a workflow, shares information between the businesses involved in the transaction, and manages these processes by accepting updates of status information such as creating, waiting, checking, and approved. The transaction management system according to the present disclosure is a system provided as a Web service, for example, by a cloud server or the like, that is, as a so-called SaaS (Software as a Service).

[0013] Here, the concept of a business operator includes not only corporations such as companies, but also sole proprietors. The transaction management system according to the present disclosure is not limited to the function of managing transactions as described above, and may be a system that provides a service of general accounting processing related to the business operator, who is the user. For example, the input transaction information may be used as deposit and withdrawal information, and further, the input of financial information such as owned assets may be accepted, and an accounting processing service for the user's company or sole proprietorship may be provided.

[0014] However, cashless payments, which use means other than cash, such as electronic money, to make various payments, are becoming more common in transactions between businesses. Here, electronic money is a monetary value that can be used to pay for goods or services, and can be transferred by electronic information processing. In addition, payments using crypto assets using blockchain technology are becoming more common as a cashless payment method. Such cashless payments have the advantage that they are easy to manage as electronic information and reduce the risk of loss, etc., so there is a need to use them in transactions between businesses. However, in the case of transactions between businesses, even if one wishes to make payments using a payment method that suits one's own convenience, it is not easy to switch to cashless payments due to the convenience of the other party.

[0015] In this regard, the transaction management system according to the present disclosure presents a workflow of a transaction upon access from a business operator, presents multiple payment methods for the transaction, including cashless payment, and accepts the selection of the payment method for each transaction. When an agreement is reached between the business operators involved in the transaction to use the selected payment method, the system outputs payment data to make the payment using the selected payment method and generates accounting data.

[0016] With the above-described configuration, it is possible to respond to the diversification of payment methods by providing the most suitable payment method for the business operator, while reducing the burden on the accounting department and other staff at the business operator.

[0017] <Embodiment 1> The following describes the transaction management system 1. In the following description, for example, when the terminal device 10 accesses the server 20, the server 20 responds with information for generating a screen on the terminal device 10. The terminal device 10 generates and displays a screen based on the information received from the server 20.

[0018] <1 Overall configuration of transaction management system 1> FIG. 1 is a diagram showing the overall configuration of a transaction management system 1 according to a first embodiment. As shown in FIG. 1, the transaction management system 1 includes a plurality of terminal devices (terminal device 10A and terminal device 10B are shown in FIG. 1. Hereinafter, they may be collectively referred to as "terminal device 10"), a server 20, and an external server 30. The terminal device 10, the server 20, and the external server 30 are connected to each other via a network 80 so as to be able to communicate with each other. The network 80 is configured as a wired or wireless network. In this embodiment, the server 20 is a Web server (including a cloud server), and exchanges information with the terminal device 10 via Web pages. In addition, a Web page browser for viewing Web pages is installed on the terminal device 10, but a dedicated application for providing the services of the server 20 may also be installed and configured to be viewable by the dedicated application.

[0019] The terminal device 10 is a device operated by each user. Here, a user is a person who uses the terminal device 10 to register and update transaction information, selection information of a payment method related to a transaction, and transaction status information, which are functions of the transaction management system 1, and is, for example, a person in charge of a company that is a business conducting a transaction, or a sole proprietor. The terminal device 10 is realized by a stationary PC (Personal Computer), a laptop PC, or the like. Alternatively, the terminal device 10 may be, for example, a tablet compatible with a mobile communication system, a mobile terminal such as a smartphone, or the like.

[0020] The terminal device 10 is communicatively connected to the server 20 via a network 80. The terminal device 10 is connected to the network 80 by communicating with communication devices such as a wireless base station 81 compatible with communication standards such as 4G, 5G, and LTE (Long Term Evolution), and a wireless LAN router 82 compatible with wireless LAN (Local Area Network) standards such as IEEE (Institute of Electrical and Electronics Engineers) 802.11. As shown as the terminal device 10B in FIG. 1, the terminal device 10 includes a communication IF (Interface) 12, an input device 13, an output device 14, a memory 15, a storage unit 16, and a processor 19.

[0021] The communication IF 12 is an interface for inputting and outputting signals so that the terminal device 10 can communicate with an external device. The input device 13 is an input device (e.g., a keyboard, a touch panel, a touch pad, a pointing device such as a mouse, etc.) for receiving an input operation from a user. The output device 14 is an output device (a display, a speaker, etc.) for presenting information to a user. The memory 15 is for temporarily storing a program and data processed by the program, etc., and is a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage unit 16 is a storage device for saving data, and is, for example, a flash memory or a HDD (Hard Disc Drive). The processor 19 is hardware for executing an instruction set described in a program, and is composed of an arithmetic unit, a register, a peripheral circuit, etc.

[0022] Server 20 is a device that manages information on the business user, transaction information, selection information on the payment method related to the transaction, and transaction status information. Server 20 accepts registration of transaction information from the business user, and presents selectable payment methods related to the transaction and accepts the selection. Server 20 also outputs payment data related to the transaction in order to make a payment using the payment method, outputs report data related to the transaction as necessary, and generates accounting data.

[0023] The server 20 is a computer connected to a network 80. The server 20 includes a communication IF 22, an input / output IF 23, a memory 25, a storage 26, and a processor 29.

[0024] The communication IF 22 is an interface for inputting and outputting signals so that the server 20 can communicate with an external device. The input / output IF 23 functions as an interface with an input device for receiving an input operation from a user and an output device for presenting information to a user. The memory 25 is for temporarily storing programs and data processed by the programs, etc., and is a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage 26 is a storage device for saving data, such as a flash memory or a HDD (Hard Disc Drive). The processor 29 is hardware for executing an instruction set described in a program, and is composed of an arithmetic unit, a register, a peripheral circuit, etc.

[0025] The external server 30 is a server device provided by a financial institution such as a bank, or a server device provided by a payment agent that manages electronic money, and manages various data related to bank accounts or electronic money accounts used by business operators and employees. When the external server 30 receives payment data, for example, via a predetermined API, it performs a predetermined authentication, and if the data is legitimate, it transfers the data to the account of the business operator of the corresponding transaction partner, or transfers monetary value to the electronic money account. The external server 30 is a computer connected to a network 80.

[0026] <1.1 Configuration of the terminal device 10> FIG. 2 is a block diagram showing a functional configuration of the terminal device 10 constituting the transaction management system 1 of FIG. 1. As shown in FIG. 2, the terminal device 10 includes a plurality of antennas (antenna 111, antenna 112), wireless communication units (first wireless communication unit 121, second wireless communication unit 122) corresponding to each antenna, an operation reception unit 130 (including a keyboard 131 and a mouse 132), a voice processing unit 140, a microphone 141, a speaker 142, a display 150, a storage unit 160, and a control unit 170. The terminal device 10 also has functions and configurations (e.g., a battery for storing power, a power supply circuit for controlling the supply of power from the battery to each circuit, etc.) that are not particularly shown in FIG. 2. As shown in FIG. 2, each block included in the terminal device 10 is electrically connected by a bus or the like. The terminal device 10 shown in FIG. 2 will be described as a mobile terminal such as a tablet or a smartphone compatible with a mobile communication system, but may be a stationary PC (Personal Computer) or a laptop PC.

[0027] The antenna 111 emits a signal generated by the terminal device 10 as a radio wave. The antenna 111 also receives a radio wave from space and provides the received signal to the first wireless communication unit 121.

[0028] The antenna 112 radiates a signal generated by the terminal device 10 as a radio wave. The antenna 112 also receives a radio wave from space and provides the received signal to the second radio communication unit 122.

[0029] The first wireless communication unit 121 performs modulation / demodulation processing and the like for transmitting and receiving signals via the antenna 111 so that the terminal device 10 can communicate with other wireless devices. The second wireless communication unit 122 performs modulation / demodulation processing and the like for transmitting and receiving signals via the antenna 112 so that the terminal device 10 can communicate with other wireless devices. The first wireless communication unit 121 and the second wireless communication unit 122 are communication modules including a tuner, a Received Signal Strength Indicator (RSSI) calculation circuit, a Cyclic Redundancy Check (CRC) calculation circuit, a high-frequency circuit, and the like. The first wireless communication unit 121 and the second wireless communication unit 122 perform modulation / demodulation and frequency conversion of wireless signals transmitted and received by the terminal device 10, and provide the received signals to the control unit 170.

[0030] The operation reception unit 130 has a mechanism for receiving input operations from a user. Specifically, the operation reception unit 130 includes a keyboard 131 and a mouse 132. Note that the operation reception unit 130 may be configured as a touch screen that detects the user's contact position on the touch panel, for example, by using a capacitive touch panel.

[0031] The keyboard 131 accepts input operations by the user of the terminal device 10. The keyboard 131 is a device for inputting characters, and outputs input character information to the control unit 170 as an input signal.

[0032] The mouse 132 accepts input operations by the user of the terminal device 10. The mouse 132 is a pointing device for selecting an object displayed on the display 150, and outputs position information of an object selected on the screen and information indicating that a button has been pressed to the control unit 170 as input signals.

[0033] The audio processing unit 140 modulates and demodulates an audio signal. The audio processing unit 140 modulates a signal provided from the microphone 141 and provides the modulated signal to the control unit 170. The audio processing unit 140 also provides the audio signal to the speaker 142. The audio processing unit 140 is realized, for example, by a processor for audio processing. The microphone 141 accepts audio input and provides an audio signal corresponding to the audio input to the audio processing unit 140. The speaker 142 converts the audio signal provided from the audio processing unit 140 into audio and outputs the audio to the outside of the terminal device 10.

[0034] Display 150 displays data such as images, videos, and text under the control of control unit 170. Display 150 is realized by, for example, an LCD (Liquid Crystal Display) or an organic EL (Electro-Luminescence) display.

[0035] Storage unit 160 is configured with memory 15, such as a flash memory, and storage unit 16, and stores data and programs used by terminal device 10. In one aspect, storage unit 160 stores user information 161.

[0036] User information 161 is information about a user who uses terminal device 10 to register and update transaction information, which is a function of transaction management system 1, selection information of a payment method related to a transaction, and transaction status information. User information includes information that identifies a business (business ID), the name of the business, selectable payment methods, etc.

[0037] The control unit 170 is constituted by, for example, the processor 19, and controls the operation of the terminal device 10 by reading a program stored in the storage unit 160 and executing instructions included in the program. The control unit 170 fulfills the functions of an input operation receiving unit 171, a transmission / reception unit 172, a data processing unit 173, and a notification control unit 174 by operating in accordance with a program (not shown) that is an application that is stored in advance in the storage unit 160 of the terminal device 10 and installed, for example.

[0038] The input operation receiving unit 171 performs processing for receiving input operations by a user via an input device such as the keyboard 131 .

[0039] The transmission / reception unit 172 performs processing for the terminal device 10 to transmit and receive data to and from an external device such as the server 20 in accordance with a communication protocol.

[0040] The data processing unit 173 performs a process of performing calculations on the data that the terminal device 10 accepts as input in accordance with a program, and outputs the calculation results to a memory or the like.

[0041] The notification control unit 174 performs a process of presenting information to the user. The notification control unit 174 performs a process of causing the display 150 to display a display image, a process of causing the speaker 142 to output a sound, and the like.

[0042] <1.2 Functional configuration of server 20> Fig. 3 is a diagram showing the functional configuration of server 20 constituting transaction management system 1 of Fig. 1. As shown in Fig. 3, server 20 performs the functions of communication unit 201, storage unit 202, and control unit 203.

[0043] The communication unit 201 performs processing for the server 20 to communicate with external devices.

[0044] The storage unit 202 is composed of, for example, a memory 25 and a storage 26, and stores data and programs used by the server 20. The storage unit 202 stores a user business database 2021, a transaction database 2022, an accounting database 2023, and the like.

[0045] The user business database 2021 is a database for holding information on business operators who are the subjects of transactions by the transaction management system 1 and are subject to management by the transaction management system 1, specifically, information for identifying the business operator (business operator ID), the name of the business operator, selectable payment methods, etc. Details will be described later.

[0046] The transaction database 2022 is a database for holding various information related to transactions managed by the transaction management system 1, specifically, the business entity that is the transaction subject, the transaction amount, the workflow of the transaction, status information for each process, and the payment method of the transaction. Details will be described later.

[0047] The accounting database 2023 is a database for holding accounting information related to the accounting processing of the business operator. Details will be described later.

[0048] The control unit 203 performs functions as various modules, such as a receiving control module 2031, a transmitting control module 2032, a transaction information receiving module 2033, a workflow presentation module 2034, a payment method information presentation module 2035, a payment method selection receiving module 2036, a payment data output module 2037, a report data output module 2038, and an accounting data output module 2039, by the processor 29 of the server 20 performing processing in accordance with the program.

[0049] The reception control module 2031 controls the process in which the server 20 receives a signal from an external device in accordance with a communication protocol.

[0050] The transmission control module 2032 controls the process in which the server 20 transmits signals to external devices in accordance with a communication protocol.

[0051] The transaction information reception module 2033 controls a process of receiving input of transaction details with other businesses from a user business in a workflow managed by the transaction management system 1. The transaction details received by the transaction information reception module 2033 include, for example, information on the parties involved in the transaction, such as an orderer, an order recipient, and a purchaser, information on the case, delivery date, amount, and the like, and may include deliverables and deliverables if the deliverables and deliverables can be managed as electronic information, such as reports and design documents. The business that inputs the transaction details to the transaction information reception module 2033 may be either a corporation or an individual, as long as it is a party involved in the transaction, such as an orderer, an order recipient, and a purchaser, but it is necessary for the business to be registered as a user in the transaction management system 1. If the business is not registered, registration is performed in advance, and an ID and a password are issued to perform a predetermined authentication.

[0052] The information on the entities involved in the transaction that is accepted by the transaction information acceptance module 2033 includes information such as company or individual names and trade names, contact information (telephone number and email address, and account information for users registered in the transaction management system 1). The entities involved in the transaction may be any entity involved in the transaction, such as the orderer, the recipient, or the purchaser, and specifically may be two or more entities (two companies), or may be three or more entities (three companies), and may include entities that pay fees for the transaction and entities that receive fees, but may also include entities that are not involved in the payment of fees (such as simple advisors or auditors). Information on the case includes the name of the case, such as "Article writing for Company X".

[0053] The transaction information receiving module 2033 registers and stores information on the contents of the received transaction in the transaction database 2022.

[0054] The workflow presentation module 2034 controls the process of transmitting a workflow that manages information about transactions between the user and other business operators to the terminal device 10 and presenting it to the user, in response to the user's operation of the terminal device 10. Specifically, the workflow presentation module 2034 presents processes in a transaction, such as quotation, ordering, receiving an order, delivery, billing, and payment, as a workflow, and presents status information for these processes, such as creating, waiting, checking, and approved. The workflow presentation module 2034 presents such a workflow to multiple business operators involved in the transaction, thereby sharing it.

[0055] The payment method information presentation module 2035 controls the process of transmitting information (first information) specifying one or more payment methods set as a means to be used with other businesses in a transaction, which is stored as user setting information, to the terminal device 10 and presenting it to the user for the workflow related to the transaction. The payment method information presentation module 2035 reads and acquires the payment methods selectable for each user stored in the user business database 2021, presents one or more payment methods set by the user as a payment method for the transaction, and accepts the selection of the payment method to be used for each transaction as described below. Here, the payment method includes not only cash payment and account transfer by issuance of an invoice, but also payment by credit card, cashless payment by electronic money as described above, and payment by cryptocurrency. Examples of electronic money include prepaid payment (including transportation IC cards and QR code (registered trademark) settlement) in which cash is charged in advance and used, and post-pay payment in which payment is made by a financial institution or credit card company after payment, and includes payment by card and payment by mobile terminal, etc.

[0056] Furthermore, when presenting information identifying a payment method to a user, the payment method information presentation module 2035 may recommend information identifying one (or a plurality of) payment methods based on the contents of the transaction accepted by the transaction information acceptance module 2033. The payment method information presentation module 2035 may recommend a payment method set by a business as a payment method to be used for a specific transaction content (handled goods, deliveries, services, etc.) when the transaction content is newly accepted. The payment method information presentation module 2035 may recommend a payment method set by a business as a payment method to be used for a business that is a specific transaction partner when the transaction content is newly accepted. In this case, if a predetermined condition is set for the payment method to be used for a business that is a specific transaction partner, the payment method information presentation module 2035 may recommend a payment method that meets the condition when the transaction content is newly accepted. Here, the specified conditions may be, for example, conditions regarding specific transaction contents (goods handled, deliveries, services, etc.) (such as preferring a specific payment method for specific products) or conditions regarding the transaction amount (such as preferring a specific payment method for amounts above a specified amount).

[0057] In addition, the payment method information presentation module 2035 may recommend a payment method used in a transaction with a specific business partner, when the transaction details are newly accepted, based on information on the business's past transaction history with other businesses. At this time, the payment method information presentation module 2035 may recommend based on a machine learning model generated from information on the past transaction history with other businesses. This machine learning model may be generated by machine learning performed as a function of the control unit 203, or a machine learning model generated as a result of machine learning performed by another device may be acquired. The machine learning performed to generate the machine learning model may be supervised machine learning using predetermined teacher data, unsupervised machine learning, or deep learning. Furthermore, an aggregation process may be performed in which the evaluation result by the machine learning model is later compared with the result by the user's input, and the learning result by further machine learning is merged. When the payment method information presentation module 2035 uses a machine learning model, the machine learning model is stored in the storage unit 202.

[0058] The payment method selection receiving module 2036 controls the process of receiving the selection of information (first information) identifying a payment method presented by the payment method information presentation module 2035 in a transaction with another business that is the transaction partner, which is presented by the workflow presentation module 2034. The payment method selection receiving module 2036 receives an input to select one payment method by the user operating the terminal device 10 from the information identifying the payment method displayed on the terminal device 10, for example.

[0059] The payment method selection acceptance module 2036 registers and stores information identifying the accepted payment method in the transaction database 2022.

[0060] The payment data output module 2037 controls the process of outputting payment data for settling the amount of a transaction stored in the transaction database 2022, based on information identifying the payment method accepted by the payment method selection acceptance module 2036. Specifically, the payment data output module 2037 generates payment data according to the payment method used for each transaction, such as bank transfer, credit card payment, cashless payment, or payment by cryptocurrency. In addition, the payment data output module 2037 transmits the generated payment data to the external server 30 of the financial institution or payment agent corresponding to each payment method in accordance with a predetermined communication protocol.

[0061] When the payment data output module 2037 outputs the payment data, it updates and stores the status information in the transaction database 2022.

[0062] The form data output module 2038 controls the process of outputting form data relating to transactions stored in the transaction database 2022, with contents that differ depending on the payment method, based on information identifying the selected payment method. Specifically, for forms created in the billing process in the workflow, the form data output module 2038 generates invoice form data and enters the transfer account information when the payment method is direct deposit. On the other hand, the form data output module 2038 generates receipt form data when the payment method is credit card payment (since payment has been completed).

[0063] Furthermore, the form data output module 2038 determines whether output of form data is omissible for a transaction stored in the transaction database 2022 based on information identifying the selected payment method, presents the result of the determination to the user, and does not output form data for the transaction if output of form data for the transaction is omissible. In the above example, when the payment method is credit card payment (because payment has been completed), there is no need to issue an invoice, so the form data output module 2038 determines that output of the invoice form data is omissible, transmits information to that effect to the terminal device 10 to present it to the user, and does not output the invoice form data for the transaction.

[0064] The accounting data output module 2039 controls the process of generating accounting data corresponding to the payment method in the accounting system used by the user, based on the payment data output by the payment data output module 2037. Since accounting rules require different journal entries to be made for the payment data of a transaction, the accounting data output module 2039 generates accounting data for journal entries corresponding to each payment method.

[0065] When the accounting data output module 2039 outputs the accounting data, it stores the data in the accounting database 2023.

[0066] <2 Data Structure> Fig. 4 is a diagram showing an example of the data structure of a user business database 2021 stored by the server 20 of Fig. 3. Fig. 5 is a diagram showing an example of the data structure of a transaction database 2022 stored by the server 20 of Fig. 3. Also, Fig. 6 is a diagram showing an example of the data structure of an accounting database 2023 stored by the server 20 of Fig. 3.

[0067] As shown in FIG. 4, each record of the user business database 2021 includes an item "business ID", an item "business detail information", and the like.

[0068] The item "business operator ID" is information that identifies each business operator that is the subject of a transaction managed by transaction management system 1.

[0069] The item "Business details" is detailed information for each business of users who are managed by the transaction management system 1, and specifically includes the items "Business name", "Corporate / individual", "Account name", "Contact information for person in charge", "Payment method", and "Payment method conditions", etc.

[0070] The item "business name" is information indicating the corporate name or individual name of the business identified by the item "business ID".

[0071] The item "Corporate / Individual" is information indicating whether the business identified by the item "Business ID" is a corporation or an individual.

[0072] The item "account name" is information that indicates the name of the account used in the transaction management system 1 of the business identified by the item "business ID".

[0073] The item "contact information for person in charge" is information that indicates the contact information for the person in charge of the transaction at the business identified by the item "business ID".

[0074] The "Account Name" and "Contact Details" items may be used to obtain multiple accounts within the same business, as in the example shown in Figure 4 where the "Business ID" item is "#0102," or different accounts may be obtained for each department to manage transactions.

[0075] The item "payment method" is information that specifies the payment method to be used for a transaction at the business identified by the item "business ID". The item "payment method" may be registered multiple times within the same business or for the same account, as in the example shown in Figure 4. This is because the payment method information presentation module 2035 presents information specifying multiple payment methods to the user, and allows the user to select the desired payment method from among them.

[0076] The item "Payment method conditions" is information indicating a predetermined condition for using the payment method in the item "Payment method" at the business identified by the item "Business ID". The item "Payment method conditions" is set in association with the item "Payment method", as in the example shown in FIG. 4, and in the example shown in FIG. 4, a condition to be used for a specific business may be set, as in the example where the item "Business ID" is "#0101", or a condition regarding the transaction amount may be set, as in the example where the item "Business ID" is "#0102". The payment method information presentation module 2035 recommends information that identifies a payment method according to the condition stored in the item.

[0077] The server 20 adds a record to the user business database 2021 when a business accepts registration as a user of the transaction management system 1.

[0078] As shown in FIG. 5, each record in the transaction database 2022 includes an item "transaction ID," an item "project name," an item "order / receive," an item "transaction amount," an item "payment method," an item "transaction history information," etc.

[0079] The item “transaction ID” is information that identifies each transaction between businesses that are subject to management by the transaction management system 1.

[0080] The item "Project Name" is the name indicating the project of a transaction between businesses identified by the item "Transaction ID", and stores specific project names such as "Article writing for Company X" or "Website construction for Company ◇△".

[0081] The item “Order / Receipt” is information that identifies each of the entities involved in a transaction between businesses identified by the item “Transaction ID”, and stores, for example, identification information corresponding to the item “Business ID” in the user business database 2021, which is registered as information that identifies each of the orderers and sellers.

[0082] The item "transaction amount" is information indicating the amount of a transaction between businesses identified by the item "transaction ID."

[0083] The item “Payment method” is information that specifies the payment method to be used in a transaction between businesses identified by the item “Transaction ID”, and stores information on the payment method corresponding to the item “Payment method” in the user business database 2021.

[0084] The item "Transaction history information" is information indicating the status of the transaction process in a transaction between businesses identified by the item "Transaction ID", and specifically includes the item "Transaction history ID", the item "Date", the item "Process", etc.

[0085] The item "Transaction history ID" is information that identifies each transaction process in a transaction between businesses identified by the item "Transaction ID", and is configured so that it can be linked to the item "Transaction ID" (for example, so that the top five digits are the same value).

[0086] The item "Date" is information about the date when the process of the transaction identified by the item "Transaction History ID" was updated.

[0087] The item "process" is information on the process of the transaction identified by the item "transaction history ID".

[0088] The items "Date" and "Process" are information that indicates the state of a transaction process in chronological order, and are stored, for example, for each item "Date" in that order.

[0089] The transaction information receiving module 2033 of the server 20 adds a record to the transaction database 2022 as the transaction information is received from the user.

[0090] As shown in FIG. 6, each record of the accounting database 2023 includes an item "business ID," an item "business name," an item "detailed journal entry data information," and the like.

[0091] The item “business ID” is information that identifies each business that is the subject of a transaction by the transaction management system 1 and is managed by the transaction management system 1, and corresponds to the item “business ID” in the user business database 2021.

[0092] The item “business name” is information indicating the corporate name or individual name of the business identified by the item “business ID” and corresponds to the item “business name” in the user business database 2021.

[0093] The item "journal entry data detail information" is information registered by registering (bookkeeping) accounting information using an accounting system linked to the transaction management system 1, and specifically includes the items "date", "debit / credit", "summary", and "amount". This item "journal entry data detail information" is configured so that when accounting information is registered (bookkeeping) using an accounting system linked to the transaction management system 1, the latest information is added as a record, for example, in chronological order of the item "date".

[0094] The item "Date" is information that indicates the date on which the accounting information of the business was registered in the accounting system.

[0095] The item "Debit / Credit" is information that indicates whether the accounting information entered in the accounting system is a debit or credit in the ledger.

[0096] The item "Summary" is information that indicates the account heading recorded in the ledger in the accounting information inputted in the accounting system.

[0097] The item "amount" is the amount recorded in the ledger in the accounting information entered in the accounting system.

[0098] The accounting data output module 2039 of the server 20 adds a record to the item “detailed journal entry data information” of the accounting database 2023 in conjunction with outputting the accounting data of the business.

[0099] <3 operations> Hereinafter, the salary receipt setting process and salary payment process performed by the transaction management system 1 in the first embodiment will be described with reference to FIGS.

[0100] FIG. 7 is a flowchart showing an example of the flow of a transaction information registration process performed by the transaction management system 1 of FIG.

[0101] In step S111, the input operation receiving unit 171 of the terminal device 10 receives an operation from a user (business operator) to input a user ID and password for authentication required to use the services of the transaction management system 1. The transmitting / receiving unit 172 transmits the received user ID, password, and user information to the server 20. The transmitting / receiving unit 172 of the terminal device 10 receives authentication completion information and initial screen display information transmitted from the server 20. The notification control unit 174 causes the display 150 to display the received initial screen display information.

[0102] In step S121, the server 20 accepts the user ID and password via the communication unit 201, confirms that the user ID and password of the user are valid, and performs a predetermined authentication. If the user ID and password are valid, the server 20 transmits authentication completion information and display information of the initial screen to the terminal device 10 via the communication unit 201.

[0103] In step S112, the input operation receiving unit 171 of the terminal device 10 receives an input of details of a new transaction with another business operator through an operation by the user from the initial screen displayed on the display 150. The transmitting / receiving unit 172 transmits information on the entered transaction details to the server 20.

[0104] In step S122, the transaction information receiving module 2033 of the server 20 receives the information on the transaction content transmitted from the terminal device 10 via the communication unit 201. The transaction information receiving module 2033 registers and stores the received information on the transaction content in the transaction database 2022.

[0105] For example, in step S122, new identification information is assigned to the item "Transaction ID," and information corresponding to the items "Project Name," "Order / Order Placement," and "Transaction Amount" included in the input information received from the user is stored, as in the example stored in transaction database 2022 shown in FIG. 5. Additionally, process information indicating that new transaction information has been input is stored in the item "Transaction History Information," and is thereafter managed as a workflow. At this stage, no information is stored in the item "Payment Method."

[0106] As described above, the transaction management system 1 receives information on transaction details input by the user, who is a business operator. This information is used in the initial payment registration process.

[0107] FIG. 8 is a flowchart showing an example of the flow of a payment method registration process performed by the transaction management system 1 of FIG.

[0108] In step S211, the terminal device 10 performs the same process as in step S111 in FIG.

[0109] In step S221, the server 20 performs the same process as in step S121 in FIG. 7, and transmits authentication completion information and display information for the initial screen to the terminal device 10 via the communication unit 201.

[0110] In step S212, the input operation receiving unit 171 of the terminal device 10 receives input of a transaction ID that identifies information about transactions between the user and other businesses, through a user operation from the initial screen displayed on the display 150. The transmitting / receiving unit 172 transmits the input transaction ID information to the server 20. The transmitting / receiving unit 172 of the terminal device 10 receives workflow information that manages transaction information, transmitted from the server 20. The notification control unit 174 causes the display 150 to display the received workflow information.

[0111] In step S222, the workflow presentation module 2034 of the server 20 accepts the transaction ID information transmitted from the terminal device 10 via the communication unit 201. The workflow presentation module 2034 reads the transaction information stored in the transaction database 2022 from the accepted transaction ID information, and acquires information on the workflow that manages the transaction information. The workflow presentation module 2034 also transmits the acquired information on the workflow that manages the transaction information to the terminal device 10.

[0112] For example, in step S222, information on the items "Transaction ID," "Item Name," "Order / Order Placement," and "Transaction Amount" is acquired, as in the example stored in transaction database 2022 shown in FIG. 5. Information on the item "Transaction History Information" is also acquired as a workflow. For example, since transaction history information is stored in chronological order, such as "#020101" and "#020102" in the item "Transaction History ID" in FIG. 5, this information is acquired as a workflow.

[0113] In step S223, the payment method information presentation module 2035 of the server 20 reads and acquires information (first information) specifying one or more payment methods set as payment methods to be used with other businesses set for each user for the workflow acquired in step S222 from the user business database 2021. In addition, the payment method information presentation module 2035 transmits the acquired information specifying the payment method to the terminal device 10.

[0114] For example, in step S223, information on the items "payment method" and "payment method conditions" linked to the item "business ID" that identifies the business that is the user is obtained, as in the example stored in the user business database 2021 shown in Fig. 4. Since multiple pieces of information on these payment methods may be set, for example, the item "business ID" in Fig. 4 is "#0101", information on all payment methods is obtained.

[0115] In step S223, the payment method information presentation module 2035 may recommend information identifying one (or more) payment methods based on the contents of the transaction accepted in step S222 as described above. For example, when the item "Business ID" in FIG. 4 is "#0101" and the transaction partner is "#0103" in the item "Business ID", only "〇◇Pay" may be recommended. Also, when the item "Business ID" in FIG. 4 is "#0102" and the "Account Name" is "Hishigata_Koubai", if the transaction amount is less than 100,000 yen, only "Credit (Vi)" may be recommended.

[0116] In step S213, the transmitter / receiver 172 of the terminal device 10 accepts the information specifying the payment method sent from the server 20. The notification control unit 174 causes the display 150 to display the accepted information specifying the payment method as a payment method selectable for the transaction of the displayed workflow.

[0117] In step S214, the input operation receiving unit 171 of the terminal device 10 receives an input by a user to select one payment method from the selectable payment methods displayed on the display 150. The transmitting / receiving unit 172 transmits information identifying the entered payment method to the server 20.

[0118] The timing of steps S213 and S214 for displaying the payment means for the transaction and accepting an input for selection from the user is not limited to the time of registration of the transaction information. For example, the timing of the processing may be such that, at the stage when the user, who is a contractor of the transaction, creates an invoice, payment means selectable by the contractor are displayed and an input for selecting a payment means is accepted from the contractor, who is a user, or the contractor of the transaction may register multiple payment means in advance and an input for selecting a desired payment means from the registered payment means is accepted from the user, who is a purchaser.

[0119] In step S224, the payment method selection acceptance module 2036 of the server 20 accepts the information specifying the payment method transmitted from the terminal device 10 via the communication unit 201. The payment method selection acceptance module 2036 registers and stores the accepted information specifying the payment method in the transaction database 2022.

[0120] For example, in step S224, information identifying the accepted payment method is stored in the item "payment method" as in the example stored in transaction database 2022 shown in FIG.

[0121] As described above, the transaction management system 1 presents the workflow related to the accepted transaction to the user, presents one or more payment methods set as the payment method for the user's transaction, and accepts the selection of the payment method to be used for the transaction. This makes it possible for the user (business operator) to select the most suitable payment method.

[0122] FIG. 9 is a flowchart showing an example of the flow of settlement processing by the transaction management system 1 of FIG.

[0123] In step S311, the payment data output module 2037 of the server 20 outputs payment data for settling the amount of a transaction based on the information identifying the payment method accepted in step S224 for the transaction stored in the transaction database 2022. After outputting the payment data, the payment data output module 2037 updates and stores the process information in the transaction database 2022.

[0124] In step S312, the report data output module 2038 of the server 20 outputs report data relating to transactions stored in the transaction database 2022, the data having different contents depending on the payment method, based on information identifying the payment method stored in the transaction database 2022.

[0125] In step S313, the accounting data output module 2039 of the server 20 generates accounting data corresponding to the payment method in the accounting system used by the user, based on the payment data output in step S311.

[0126] For example, in step S313, payment data for the transaction is generated, as in the example of the transaction database 2022 item "transaction ID" being "#0201" shown in Fig. 5. Then, when a payment is made for the item "transaction amount" of 200,000 (yen), an entry for the amount of 200,000 yen (e.g., an account receivable entry) is made, as in the example of the accounting database 2023 item "business ID" being "#0101" shown in Fig. 6.

[0127] As described above, in the transaction management system 1, payment data for settling the transaction amount is generated based on the selected payment method, and accounting data relating to the transaction with different contents depending on the payment method is output. In addition, based on the generated payment data, accounting data corresponding to the payment method is generated in the accounting system used by the user. This automatically generates payment data, accounting data, accounting data, and accounting data, making it possible to prevent the work of personnel in the accounting department of the business from becoming complicated.

[0128] <4 Screen example> Below, examples of screens for the payment method registration process by the transaction management system 1 will be described with reference to Figs.

[0129] Fig. 10 is a diagram showing an example of a workflow screen displayed on the terminal device 10. The example of the screen in Fig. 10 shows an example of a screen in a state where information on a workflow for managing information on a transaction, which is transmitted by the workflow presentation module 2034 of the server 20 in response to a user's operation of the terminal device 10, is displayed. This corresponds to step S212 in Fig. 8.

[0130] As shown in FIG. 10, the display 150 of the terminal device 10 displays a process display column 1031a that shows the process in the workflow, status display columns 1031b, 1031c, and 1031d that show the status of the process displayed in the process display column 1031a, a case name display column 1031e that shows the case name of the transaction, and a transaction details display column 1031f that shows the contents of the transaction.

[0131] In the process display field 1031a, for example, the contents of the latest item "Process" in the item "Transaction History Information" of the transaction database 2022 shown in Fig. 5 are displayed, and the status information of the process is displayed in the status display fields 1031b, 1031c, and 1031d. In the matter name display field 1031e, for example, the contents of the item "Matter Name" of the transaction database 2022 shown in Fig. 5 are displayed, and in the transaction details display field 1031f, the details and breakdown of the transaction, including the contents of the item "Transaction Amount" of the transaction database 2022, are displayed. As a result, information about the transaction is displayed as a workflow, it is possible to grasp the information about the transaction.

[0132] Fig. 11 is a diagram showing an example of a screen of transaction information displayed on the terminal device 10. The screen example of Fig. 11 shows an example of a display screen of transaction information displayed to update the status state from the workflow shown in Fig. 10. This corresponds to step S212 in Fig. 8.

[0133] As shown in FIG. 11, the display 150 of the terminal device 10 displays a case name display field 1032a showing the case name of the transaction, and a transaction detail display field 1032b showing the contents of the transaction. In addition, this display screen is provided with a payment method selection button 1032c for allowing the payment method set for each user by the payment method information presentation module 2035. The case name display field 1032a and the transaction detail display field 1032b display the same contents as the case name display field 1031e and the transaction detail display field 1031f shown in FIG. 10. When the user selects a payment method, the payment method selection button 1032c is clicked with the mouse 132 to display a list of payment methods. This allows the user to select the most suitable payment method.

[0134] Fig. 12 is a diagram showing an example of a screen of transaction information displayed on the terminal device 10. The screen example of Fig. 12 shows an example of a payment method selection screen displayed for selecting a payment method, which is transitioned to when the payment method selection button 1032c shown in Fig. 11 is pressed. This corresponds to step S213 in Fig. 8.

[0135] As shown in Fig. 12, the display 150 of the terminal device 10 displays a case name display field 1033a showing the case name of the transaction, and a transaction amount display field 1033b showing the amount of the transaction. The display screen also displays a payment method display field 1033c showing a list of selectable payment methods, and each display has a selection radio button 1033d for selecting one of the multiple payment methods. This allows the user to select the most suitable payment method and use it for actual payment.

[0136] <Summary> As described above, according to this embodiment, the user, who is a business operator, inputs information on the contents of a transaction from a terminal device, and the input information on the contents of the transaction is accepted. A workflow related to the accepted transaction is presented to the user, and one or more payment means set as the payment means for the user's transaction are presented to the user. Then, the user inputs a selection of the payment means to be used in the transaction, and the input selection of the payment means is accepted as the payment means to be used in the transaction. This makes it possible to select the most suitable payment means for the user, who is the business operator.

[0137] Furthermore, according to this embodiment, payment data for settling the amount of the transaction is generated based on the payment method selected by the user. Report data relating to the transaction with different contents depending on the payment method selected by the user is output. Furthermore, based on the generated payment data, accounting data corresponding to the payment method selected by the user is generated in the accounting system used by the user. This automatically generates payment data, report data, and accounting data relating to the transaction and corresponding to the payment method selected by the user, making it possible to prevent the work of personnel in the accounting department, etc. of the business from becoming cumbersome.

[0138] Although the disclosed embodiments have been described above, they can be implemented in various other forms and can be implemented with various omissions, substitutions, and modifications. These embodiments and modifications, as well as omissions, substitutions, and modifications, are included in the technical scope of the claims and their equivalents.

[0139] <Additional Notes> The matters described in the above embodiments will be supplemented below.

[0140] (Supplementary Note 1) A program to be executed by a computer having a processor 29 and a memory 25, wherein the memory 25 stores first information (2021) for identifying one or more payment means set by a user who is a business owner as a means to be used in transactions with other business owners, and the program causes the processor 29 to execute the following steps: presenting to the user a workflow that manages information regarding the user's transactions with other business owners (S222); presenting to the user one or more first information stored in the workflow (S223); accepting selection of one piece of first information in transactions with other business owners presented in the workflow (S224); outputting payment data for settling the transaction amount according to each means based on the accepted one piece of first information (S311); and generating accounting data corresponding to the payment means in the accounting system used by the user based on the output payment data (S313).

[0141] (Appendix 2) The program described in (Appendix 1) further executes, in the workflow, a step (S122) of accepting input of details of a transaction with another business from a user, and a step (S223) of recommending one piece of first information to the user based on the accepted details of the transaction in the step of presenting the first information.

[0142] (Appendix 3) The program described in (Appendix 2), in which the memory stores information (2021) about other businesses, and in a step of presenting the first information, recommends 1 of the first information to a user based on information for identifying the information about the other businesses.

[0143] (Appendix 4) The program described in (Appendix 3), wherein the information about other businesses includes information about terms of transactions with other businesses, and in the step of presenting the first information, one piece of first information is recommended to the user based on the information about the terms of transactions with other businesses.

[0144] (Appendix 5) A program described in any of (Appendix 1) to (Appendix 4), wherein the memory stores information (2022) of past transaction history with other businesses, and in a step of presenting the first information, recommends 1 of the first information to the user based on the information of the past transaction history with other businesses.

[0145] (Appendix 6) A program described in (Appendix 5), in which, in the step of presenting the first information, the first information 1 is recommended to the user based on a machine learning model generated from information on past transaction history with other businesses.

[0146] (Appendix 7) The program described in (Appendix 6) further executes a step (S312) of outputting report data relating to a transaction with different contents depending on one payment method based on information regarding transactions with other businesses and the received one first information.

[0147] (Appendix 8) A program as described in (Appendix 7), in which, in a step of outputting report data relating to the transaction, it is determined whether or not the output of the report data relating to the transaction can be omitted based on the received first information of 1, and the result of the determination is presented to a user, and if the output of the report data relating to the transaction can be omitted, the output of the report data relating to the transaction is not performed.

[0148] (Appendix 9) The program described in (Appendix 8), wherein in the accounting data generating step, accounting data for a different account item is generated for each received piece of first information.

[0149] (Supplementary Note 10) An information processing device comprising a control unit 203 and a memory unit 202, wherein the memory unit 202 stores first information (2021) for identifying one or more payment means set by a user, who is a business owner, as a means to be used in transactions with other business owners, and the control unit 203 executes the following steps: presenting to the user a workflow for managing information regarding the user's transactions with other business owners (S222); presenting to the user one or more first information stored in the workflow (S223); accepting selection of one piece of first information in transactions with other business owners presented in the workflow (S224); outputting payment data for settling the transaction amount according to each means based on the accepted one piece of first information (S311); and generating accounting data corresponding to the payment means in an accounting system used by the user based on the output payment data (S313).

[0150] (Supplementary Note 11) A method to be executed by a computer having a processor 29 and a memory 25, wherein the memory 25 stores first information (2021) for identifying one or more payment means set by a user who is a business owner as a means to be used in transactions with other business owners, and the method includes the steps of: the processor 29 executing a step (S222) of presenting to the user a workflow that manages information regarding the user's transactions with other business owners; presenting to the user one or more first information stored in the workflow (S223); accepting selection of one piece of first information in transactions with other business owners presented in the workflow (S224); outputting payment data for settling the transaction amount according to each means based on the accepted one piece of first information (S311); and generating accounting data corresponding to the payment means in the accounting system used by the user based on the output payment data (S313). [Explanation of symbols]

[0151] 1: Transaction management system 10: Terminal device 10A: Terminal device 10B: Terminal device 13: Input device 14: Output device 15: Memory 16: Storage section 19: Processor 20: Server 25: Memory 26: Storage 29: Processor 30: External server 80: Network 81: Wireless base station 82: Wireless LAN router 111: Antenna 112: Antenna 121: First wireless communication unit 122: Second wireless communication unit 130: Operation reception section 131: Keyboard 132: Mouse 140: Audio processing unit 141: Mike 142: Speaker 150: Display 160: Storage section 161: User information 170: Control section 171: Input operation reception section 172: Transmitter / receiver 173: Data processing section 174: Notification control section 201: Communications Department 202: Storage section 203: Control section 2021: User Business Database 2022: Trade Database 2023: Accounting Database 2031: Receiving control module 2032: Transmission control module 2033: Transaction information reception module 2034: Workflow presentation module 2035: Payment method information presentation module 2036: Payment method selection reception module 2037: Payment data output module 2038: Report data output module 2039: Accounting data output module

Claims

1. A program to be executed by a computer having a processor and a memory, The memory stores first information for identifying one or more payment methods set by the user, who is a business operator, as a means to be used in transactions with other business operators; The program causes the processor to: presenting to the user a workflow for managing information regarding transactions between the user and the other business; presenting the stored one or more pieces of first information to the user in the workflow; receiving a selection of one of the first information in a transaction with the other business entity presented in the workflow; outputting settlement data for settling the amount of the transaction according to each means based on the received first information; generating accounting data corresponding to the payment method in the accounting system used by the user based on the output payment data; The program further comprises: Executing a step of outputting, based on information on the transaction with the other business and the one of the first information received, form data related to the transaction having different contents by one of the payment means; A program that, in the step of generating accounting data, generates the accounting data for a different account item for each of the received first information.

2. The program further comprises: receiving, in the workflow, from the user, an input of details of a transaction with the other business; The program according to claim 1 , wherein in the step of presenting the first information, a step of recommending one piece of the first information to the user based on content of the accepted transaction is executed.

3. The memory stores information about the other business operators, The program according to claim 2 , wherein in the step of presenting the first information, one piece of the first information is recommended to the user based on information for identifying information relating to the other business operators.

4. The information about the other business includes information about terms of transactions with the other business, The program according to claim 3 , wherein in the step of presenting the first information, one piece of the first information is recommended to the user based on information regarding terms of a transaction with the other business.

5. The memory stores information on a history of past transactions with the other business operators, The program according to claim 2 , wherein in the step of presenting the first information, one piece of the first information is recommended to the user based on information of the past transaction history with other businesses.

6. The program according to claim 5 , wherein in the step of presenting the first information, one piece of the first information is recommended to the user based on a machine learning model generated from information on the past transaction history with other businesses.

7. 2. The program according to claim 1, wherein in the step of outputting the report data relating to the transaction, it is determined whether or not the output of the report data relating to the transaction can be omitted based on the received first information, and the result of the determination is presented to the user, and if the output of the report data relating to the transaction can be omitted, the output of the report data relating to the transaction is not performed.

8. An information processing device including a control unit and a storage unit, The storage unit stores first information for identifying one or more payment methods set by the user, who is a business operator, as a means to be used in transactions with other business operators; The control unit is presenting to the user a workflow for managing information regarding transactions between the user and the other business; presenting the stored one or more pieces of first information to the user in the workflow; receiving a selection of one of the first information in a transaction with the other business entity presented in the workflow; outputting settlement data for settling the amount of the transaction according to each means based on the received first information; generating accounting data corresponding to the payment method in the accounting system used by the user based on the output payment data; The control unit further includes: Executing a step of outputting document data relating to the transaction having different contents according to one of the payment means based on information relating to the transaction with the other business operator and the one of the first information received; An information processing device, in the step of generating accounting data, which generates the accounting data for a different account item for each of the received first information.

9. 1. A method for performing a process on a computer having a processor and a memory, comprising: The memory stores first information for identifying one or more payment methods set by the user, who is a business operator, as a means to be used in transactions with other business operators; The method further comprises the processor: presenting to the user a workflow for managing information regarding transactions between the user and the other business; presenting the stored one or more pieces of first information to the user in the workflow; receiving a selection of one of the first information in a transaction with the other business entity presented in the workflow; outputting settlement data for settling the amount of the transaction according to each means based on the received first information; generating accounting data corresponding to the payment method in the accounting system used by the user based on the output payment data; The processor further comprises: The method includes a step of outputting report data relating to the transaction having different contents depending on one of the payment means based on information regarding the transaction with the other business operator and the first information received.

Images