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

Abstract

To provide an information processing system, an information processing device, an information processing method, and a program that enable a manager to efficiently find tax adjustment products without trouble and to implement optimal tax adjustment measures. [Solution] The information processing system includes a memory unit 120 that stores tax-adjusted product information corresponding to tax-adjusted products, an acquisition unit 131 that acquires the user's accounting information, an analysis unit 132 that extracts recommended tax-adjusted product information from the tax-adjusted product information based on the accounting information that has a tax adjustment effect on the business, and a presentation unit 135 that presents the recommended tax-adjusted product information to the user.

Description

[Technical Field]

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

[0002] In the past, the main way for businesses, including corporations and sole proprietors, to adjust their taxes was to deduct life insurance as a deductible expense. However, in recent years, the deductible rate for life insurance has been declining, making it difficult to obtain the tax adjustment effect. Therefore, leasing has become a popular tax adjustment product.

[0003] For example, Patent Document 1 describes a rental management server that provides investors with a rental service that allows them to enjoy appropriate tax adjustment effects in a highly flexible manner. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2017-156801 Summary of the Invention [Problem to be solved by the invention]

[0005] Here, a lease is a contract to rent and use a property. There are two types of leases: operating leases and financial leases. An operating lease is a lease contract where the lease period is shorter than the useful life of the property, and the leasing company holds ownership of the property and carries out depreciation. The user only pays the lease fee and does not own a depreciable asset, so there is no fixed asset tax burden. A financial lease is a lease contract where the lease period is close to or longer than the useful life of the property. In accounting terms, the user is considered to have purchased the property, and it is recorded as an asset and a liability. The ability to record depreciation expenses has a tax adjustment effect. Even in the case of a financial lease, there is no fixed asset tax burden because the leasing company holds ownership of the property.

[0006] Leasing can be expected to have tax-adjusting effects by reducing initial costs and recording expenses in a planned manner. However, the items eligible for leasing vary widely, including computers, automobiles, factory equipment, ships, and aircraft, and the tax-adjusting effects vary depending on the content and type of lease contract. When considering introducing leasing, it is important for managers to select the lease contract that best suits their company's situation.

[0007] In addition to life insurance and leasing, tax-adjusted products include defined contribution pension plans and mutual aid schemes such as small business mutual aid.

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

[0009] Therefore, an object of the present disclosure is to provide an information processing system, an information processing device, an information processing method, and a program that allow users to easily and efficiently find tax adjustment products and implement optimal tax adjustment measures. [Means for solving the problem]

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

[0011] The information processing device of the present invention comprises a memory unit that stores tax-adjusted product information corresponding to tax-adjusted products, an acquisition unit that acquires a user's accounting information, an analysis unit that extracts recommended tax-adjusted product information from the tax-adjusted product information based on the accounting information that has a tax adjustment effect for the user, and a presentation unit that presents the recommended tax-adjusted product information to the user.

[0012] In addition, the recruitment activity support method of the present invention is an information processing method to be executed by a computer having a memory unit and a processing unit, and includes an acquisition step of acquiring a user's accounting information, an analysis step of extracting recommended tax adjustment product information that has a tax adjustment effect for the user from tax adjustment product information corresponding to tax adjustment products stored in the memory unit based on the accounting information, and a presentation step of presenting the recommended tax adjustment product information to the user.

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

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

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

[0016] [Figure 1] 1 is a schematic diagram illustrating an information processing system according to an embodiment of the present invention. [Figure 2] FIG. 2 is a functional block diagram of a server according to an embodiment of the present invention. [Figure 3] FIG. 2 is a functional block diagram of a user terminal according to an embodiment of the present invention. [Figure 4] 10 is a flowchart illustrating a tax adjustment support process performed by the information processing system according to the embodiment of the present invention. [Figure 5] 10 is a flowchart illustrating a product registration process performed by the information processing system according to the embodiment of the present invention. [Figure 6] FIG. 10 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] FIG. 10 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] FIG. 10 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] FIG. 10 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] FIG. 1 is a block diagram showing the basic configuration of a computer. DETAILED DESCRIPTION OF THE INVENTION

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

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

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

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

[0021] Server 100 is an information processing device that provides and manages interfaces such as financial apps and web pages for providing financial services to first user terminals 200 used by multiple first users (business operators) who access server 100 via network NW. First users are business operators, and business operators include, for example, companies, enterprises, corporations, and individuals (such as managers) belonging to these organizations, as well as sole proprietors. Business operators create and register a user account for the financial service in advance, then log in to use various functions of the financial service. A user account may include one or more corporate accounts and one or more personal accounts as sub-accounts. As one of its functions, the financial service provides a marketplace for tax-adjusted products to first users (businesses) and second users (sellers). The server 100 also accepts sales registrations for the sellers' tax-adjusted products in the marketplace from second user terminals 300 used by multiple second users (sellers) who access the server 100 via the network NW.

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

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

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

[0025] The storage unit 120 is configured using a storage device such as a magnetic hard disk or a semiconductor storage device. The storage unit 120 stores an application program 121, a database 122, and a mathematical model 123. Note that the storage unit 120 may be provided outside the server 100 in a communicable manner.

[0026] The application program 121 is executed by the processing unit 130 and is a program that mainly implements each functional unit of the processing unit 130.

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

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

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

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

[0031] Database 122 may also include a transaction information database (hereinafter referred to as the transaction information DB). The transaction information DB is a database that manages and stores transaction information for each business. Transaction information may also be managed for each subaccount at the business level.

[0032] The accounting information includes at least the closing date (closing month and / or closing date). The accounting information also includes at least one of the following: a tax adjustment target, an investment target, a projected current profit, and a free cash flow amount. The accounting information may also include, for example, information related to bank account details, financial statements, and trial balances.

[0033] The mathematical model 123 includes a learning model that performs machine learning on the correlation between the accounting information of multiple businesses and the tax adjustment effects of multiple tax adjustment products. The tax adjustment effect includes the expected effect amount of the tax adjustment product according to the business's accounting information. The expected effect amount of the tax adjustment product according to the business's accounting information is the effect that the business is expected to obtain from one or more tax adjustment products, expressed in monetary terms, and is calculated by taking into account multiple possible future outcomes and their probabilities under circumstances that include uncertainty, and comprehensively evaluating them. The expected effect amount includes, for example, the tax adjustment amount and yield as specific indicators. The mathematical model 123 may also include a learning model that uses machine learning to learn the correlation between the accounting information of multiple businesses and the recommendation levels of multiple tax adjustment products. The mathematical model 123 may further use the expected benefit amount of the tax adjustment product according to the accounting information of the business and risk as intermediate variables for learning. The risk may be, for example, the uncertainty of the benefit amount and the uncertainty of the assumptions regarding the accounting information, attribute information, etc. of the business. Learning may further be performed for each classification of tax adjustment products, each business attribute, each region, expected current profit amount, and amount of free cash flow.

[0034] The processing unit 130 includes functional units, such as an acquisition unit 131, an analysis unit 132, a purchase management unit 133, a product management unit 134, and a presentation unit 135. The processing unit 130 executes an application program 121 stored in the storage unit 120 to realize these functional units and execute each step of the tax adjustment support process and the product registration process. The details of the tax adjustment support process and the product registration process will be described later.

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

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

[0037] The acquisition unit 131 also receives from the business a purchase request for a tax-adjusted product corresponding to the tax-adjusted product information.

[0038] The acquisition unit 131 also acquires a sales registration request from the seller, indicating that the seller wishes to sell the seller's tax adjustment product in the financial service. The sales registration request includes tax adjustment product information corresponding to the seller's tax adjustment product that the seller wishes to sell in the financial service. The sales registration request also includes predetermined information regarding the seller's tax adjustment product. The predetermined information is information necessary for the marketplace operator to review the tax adjustment product, such as the seller's corporate number, basic information such as the seller's name, address, and contact information, whether the seller is listed or not, industry, number of employees, capital, annual sales, and an overview of the tax adjustment product handled. The acquisition unit 131 stores the tax adjustment product information corresponding to the tax adjustment product and the review results in the tax adjustment product DB. Similarly, the acquisition unit 131 may acquire a sales registration request from a seller of a loan product, indicating that the seller wishes to sell the seller's loan product in the financial service, and register the sales registration request in the financial product DB. In this case, the sales registration request includes financial product information corresponding to the financial product. The financial product information includes basic information about the seller and loan terms.

[0039] Based on the business's accounting information, the analysis unit 132 extracts, as recommended tax adjustment product information, tax adjustment product information that brings a tax adjustment effect to the business from the tax adjustment product information in the tax adjustment product DB in the storage unit 120. If the business's attribute information is available, the analysis unit 132 may extract recommended tax adjustment product information based on the accounting information and the attribute information.

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

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

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

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

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

[0045] The analysis unit 132 proposes a loan (financing) to the business operator. Specifically, the analysis unit 132 extracts loan product information that meets the loan conditions from the loan product DB based on the business operator's accounting information and presents it to the business operator. The analysis unit 132 may also acquire the business operator's credit information when necessary and propose a loan (financing) to the business operator based on the business operator's credit information and / or accounting information. The credit information may be the business operator's credit information pre-stored in the storage unit 120 or may be credit information provided by an external credit information agency. The analysis unit 132 may acquire the business operator's credit information and propose a loan (financing) to the business operator based on the business operator's credit information when the business operator's expected current profit and / or free cash flow are equal to or less than a predetermined value. The analysis unit 132 may acquire the business operator's credit information according to the business operator's financial situation obtained from the business operator's accounting information and propose a loan.

[0046] The purchase management unit 133 manages and stores purchases of tax-adjusted products by the business operator. The purchase management unit 133 may manage and store purchases on a sub-account basis of the business operator's user account.

[0047] The purchase management unit 133 supports and executes the procedures for purchase contracts for tax-adjusted products that businesses wish to purchase. The purchase contracts may be electronic contracts using digital signatures or digital certificates, or may be traditional written contracts. In this way, by providing the electronic contract function, the server 100 can contribute to digital transformation for sellers, improve the customer experience of financial services for businesses, and improve the searchability and manageability of contract documents.

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

[0049] The product management unit 134 provides businesses and sellers with an online marketplace for tax-adjusted products (hereinafter simply referred to as the marketplace).

[0050] The product management unit 134 stores tax adjustment product information corresponding to the seller's tax adjustment product in the tax adjustment product DB of the storage unit 120 in association with the seller.

[0051] The product management unit 134 examines the tax-adjusted product based on predetermined information about the tax-adjusted product, and if the examination is passed, stores the tax-adjusted product information corresponding to the seller's tax-adjusted product in the tax-adjusted product DB and makes it public on the marketplace.

[0052] The product management unit 134 may store search histories and browsing histories of businesses' tax-adjusted products in the marketplace in association with the businesses in the business DB of the storage unit 120. The search history includes search conditions such as keywords and narrowing conditions.

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

[0054] The presentation unit 135 also presents a list of the extracted recommended tax adjustment product information to the business's first user terminal 200. An example of a screen for presenting the recommended tax adjustment product information will be described later.

[0055] The presenting unit 135 also presents at least one of recommended insurance information and recommended lease information to the first user terminal 200 of the business operator as recommended tax adjusted product information.

[0056] The presentation unit 135 also presents the results of the simulation regarding the tax adjustment effect, including the calculation result of the tax adjustment amount, the calculation result of the interest rate, and the judgment result of whether or not the purchase is possible, to the business operator on the first user terminal 200 of the business operator. An example of a screen for presenting the simulation results will be described later.

[0057] The presenting unit 135 also presents a loan product proposal to the first user terminal 200 of the business operator.

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

[0059] FIG. 3 is a functional block diagram of the first user terminal 200 and the second user terminal 300 according to the embodiment of the present invention. The first user terminal 200 includes a communication unit 210, a storage unit 220, a control unit 230, a display unit 240, and an operation unit 250. The communication unit 210, the storage unit 220, the control unit 230, the display unit 240, and the operation unit 250 are electrically connected to one another via a communication bus 260. The second user terminal 300 includes a communication unit 310, a storage unit 320, a control unit 330, a display unit 340, and an operation unit 350. The communication unit 310, the storage unit 320, the control unit 330, the display unit 340, and the operation unit 350 are electrically connected to one another via a communication bus 360. The first user terminal 200 and the second user terminal 300 are, for example, a smartphone, a tablet terminal, a PC, or the like.

[0060] <System Operation> Next, the operation of the tax adjustment support process of the information processing system 1 having the above-described configuration and functions will be described with reference to a flowchart. The tax adjustment support process is a series of processes including a product presentation process SG1 that analyzes the business's accounting information and presents the business with the optimal tax adjustment product, a loan proposal process SG2 that proposes a loan product to the business based on the business's credit information, etc. (credit information and / or accounting information), an effect presentation process SG3 that calculates the tax adjustment amount for the tax adjustment product selected by the business and presents it to the business, and a contract support process SG4 that supports the business in making a purchase contract for the tax adjustment product selected by the business. The tax adjustment support process is executed mainly as a process between the business's first user terminal 200 and the server 100 when the business logs in to a financial service and uses the financial service marketplace.

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

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

[0063] In step S102, the analysis unit 132 of the server 100 determines whether or not each piece of tax-adjusted product information in the tax-adjusted product DB has a tax adjustment effect based on the transaction information acquired in step S101, calculates a recommendation level, and stores the analysis results in the storage unit 120 (analysis step). If attribute information of the business operator is available, the analysis unit 132 may further use the attribute information to perform analysis.

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

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

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

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

[0068] In step S107, the presentation unit 135 of the server 100 presents (displays) the loan products available from the business on the first user terminal 200 of the business, and proposes the use of the loan.

[0069] In step S108, the first user terminal 200 accepts the selection of the tax adjustment product by the business operator and transmits it to the server 100. The acquisition unit 131 of the server 100 acquires the selection of the tax adjustment product (which may be a recommended tax adjustment product) from the first user terminal 200 (selection acquisition step). The business operator may select multiple tax adjustment products.

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

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

[0072] In step S111, the first user terminal 200 accepts the selection of the tax-adjusted product that the business operator wishes to purchase and transmits the purchase request to the server 100. The acquisition unit 131 of the server 100 acquires the purchase request from the first user terminal 200 (purchase request acquisition step). The business operator may request the purchase of multiple tax-adjusted products.

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

[0074] Next, the operation of the product registration process of the information processing system 1 having the above-described configuration and functions will be described with reference to a flowchart. The product registration process is a process for registering and publishing the seller's tax-adjusted product in the marketplace when a product registration request for the seller's tax-adjusted product is received from the seller.

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

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

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

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

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

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

[0081] <Screen example> Next, examples of screens for financial services provided by the server 100 will be described.

[0082] 6 to 9 are diagrams showing screens D100, D200, D300, and D400, which are examples of screens for financial services that the server 100 displays on the first user terminal 200 according to an embodiment of the present invention.

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

[0084] At the top of the screen D100, text D110 is placed that reads "Tax Market" as a title indicating the marketplace for tax-adjusted products. Also, the screen D100 displays text D120 saying "19 search results." This indicates that there are 19 pieces of recommended tax-adjusted product information extracted based on the business's accounting information, etc. Below the text D120, the extracted recommended tax adjustment product information is displayed in a list. The screen D100 shown in Figure 6 displays the entire recommended tax adjustment product information D121 and a portion of the recommended tax adjustment product information D122. The business operator can scroll the screen D100 to display other recommended tax adjustment product information in the list. Above the text D120, narrowing conditions D130 are displayed. The narrowing conditions D130 are displayed so that each of "immediate redemption possible," "high-yield products," and "overseas investment products" can be selected. One or more narrowing conditions D130 can be selected. Above the filtering conditions D130, there are a "Refine" button D140 for reflecting the conditions selected in the filtering conditions D130, and a "Recommended Order" button D150 for sorting the search results (list of recommended tax-adjusted product information) in order of recommendation. By selecting (tapping or clicking) the "Recommended Order" button D150, the business operator can sort the recommended tax-adjusted products based on the recommendation level based on the analysis by the server 100.

[0085] 7 is an example of a screen that is displayed when a tax adjustment product is selected from the list of tax adjustment products (including recommended tax adjustment products) in the marketplace. For example, assume that recommended tax adjustment product information D121 is selected from the list of recommended tax adjustment products shown in FIG.

[0086] The screen D200 includes an information area D210 that shows a reference to a product description pamphlet and support contact information for the tax-adjusted product selected by the business operator. Below the information area D210, an information area D220 relating to the purchase of the tax-adjusted product is arranged. The information area D220 is provided with an input field for selecting the business's fiscal year end (fiscal year end) and the desired number of purchases of the tax-adjusted product, an input field for selecting the purchase price of the tax-adjusted product, a total amount field showing the total amount calculated based on the selected desired number of purchases and the selected purchase price, and an amount field showing the amount of first-year depreciation calculated based on the fiscal year end and the total purchase price of the product. Also provided at the bottom of the information area D220 are a button D221 for starting the contract procedure for the tax-adjusted product with the selected content, and a button D222 for consulting via chat about the purchase of the tax-adjusted product. Below the information area D220 is an information area D230 that displays information about the purchase of the tax-adjusted product. At the top of the information area D230, three selectable tabs are displayed: "Overview," "Simulation," and "Documents." In the screen D200 shown in Figure 7, "Simulation" is selected. Below the tabs, the simulation details are displayed, displaying amounts or figures for the total investment amount, cumulative dividend amount, first-year loss rate, annual yield (including tax effect), and annual return. The interface that displays the simulation results allows business operators to understand at a glance the profit and loss amounts based on the investment amount and fiscal period before making a purchase.

[0087] A screen D300 shown in FIG. 8 is an example of a screen that displays information about tax-adjusted products (including recommended tax-adjusted products) that have been purchased by a business.

[0088] At the top of screen D300, text D310 "Investment Products Currently Being Managed" is placed as the title of the screen. Below the text D310 is an information area D320 that shows information about all investment products currently being managed. Information area D320 displays the "total investment amount," the "depreciation earned to date," and the "first-year loss rate." The bottom of the information area D320 displays a list of tax-adjusted products that the business operator has purchased and is managing as investment products. The screen D300 shown in Fig. 8 displays, as an example, tax-adjusted product information D330 and tax-adjusted product information D340. The business operator can scroll the screen D300 to display other tax-adjusted product information in the list. The tax-adjusted product information D330 displays the image icon of the tax-adjusted product, the product name "Truck Lease A," the amount of "revenue earned to date" by the business operator from the tax-adjusted product, and the management number of the contract for the tax-adjusted product. Similarly, the tax-adjusted product information D340 displays the image icon of the tax-adjusted product, the product name "Truck Lease B," the amount of "revenue earned to date" by the business from the tax-adjusted product, and the management number of the contract for the tax-adjusted product. By selecting (tapping or clicking) the tax-adjusted product information D330, D340, the business operator can transition to a screen where detailed information and contract information for the tax-adjusted product can be viewed.

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

[0090] At the top of screen D400, text D410 indicating the product name of the tax-adjusted product, "Truck Lease A," is placed as the screen title. Below the text D410 is an information field D420 showing an investment summary of the tax-adjusted product "Truck Lease A." Information field D420 displays the purchase date, the "investment amount," the "depreciation earned to date," and the "first-year expense rate." Below the information area D420 is an information area D430 that displays information about the tax-adjusted product "Truck Lease A." At the top of the information area D430, three tabs are displayed that can be selected: "Operation Status," "Summary," and "Documents." In the screen D400 shown in Figure 8, "Operation Status" has been selected. Below the tabs, the receipt date and amount of lease payments are displayed as details of the "Operation Status."

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

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

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

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

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

[0096] The server 100 is implemented in a computer 900. The operation of each component of the server 100 is stored in the form of a program in the auxiliary storage device of the storage unit 902. The control unit 901 reads the program from the auxiliary storage device of the storage unit 902, loads it into the main storage device of the storage unit 902, and executes the above-mentioned processing in accordance with the program. The control unit 901 also allocates a storage area corresponding to the above-mentioned storage unit 120 in the main storage device of the storage unit 902 in accordance with the program.

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

[0098] The auxiliary storage device of storage unit 902 is an example of a non-transitory tangible medium. Other examples of non-transitory tangible media include a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, and a semiconductor memory connected via input unit 904. Furthermore, when this program is distributed to computer 900 via network NW, computer 900 that receives the program may load the program into the main storage device of storage unit 902 and execute the above-described processing.

[0099] The program may also be a program for realizing some of the above-described functions. Furthermore, the program may be a so-called differential file (differential program) that realizes the above-described functions in combination with another program already stored in the auxiliary storage device of the storage unit 902.

[0100] According to the information processing system 1 according to the present embodiment described above, business operators can easily and efficiently find tax-adjusted products and implement optimal tax adjustment measures. In addition, the system allows for the purchase of tax adjustment products to be carried out consistently, from the assessment of their effectiveness, thereby improving operational efficiency. In addition to tax adjustments, we can also provide support for general management, such as fundraising and investment strategies, thereby assisting managers in making decisions.

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

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

[0103] In the above embodiment, a large-scale language model may be used to interface input and output with businesses using natural language.

[0104] In addition, the tax adjustment support process of the above embodiment may include a step in which the analysis unit 132 of the server 100 determines whether or not the tax-adjusted product selected by the business operator can be purchased based on the business operator's accounting information, and a step in which the determination result of whether or not the product can be purchased is presented (displayed) on the business operator's first user terminal 200.

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

[0106] In addition, in step S106 of the tax adjustment support process of the above embodiment, the analysis unit 132 may determine whether or not a loan can be provided to the business based on the business's accounting information and the loan condition information of the loan product, even if the business's credit information cannot be obtained. Also, in the loan proposal process SG2, the determination in step S106 may be omitted, and in step S107, the business may present a loan product that satisfies the loan conditions.

[0107] (Addendum) The following additional notes are about the features of the above-described embodiment. (Appendix 1) a storage unit that stores tax-adjusted product information corresponding to the tax-adjusted product; an acquisition unit that acquires user transaction information; an analysis unit that extracts, from the tax adjustment product information based on the transaction information, recommended tax adjustment product information that has a tax adjustment effect for the user; a presentation unit that presents the recommended tax-adjusted product information to the user; An information processing system comprising: This allows the user to easily find tax adjustment products that have tax adjustment effects, that is, the user can find tax adjustment products efficiently without any hassle and implement optimal tax adjustment measures. (Appendix 2) The accounting information includes at least one of a settlement date, a tax adjustment target amount, a projected current profit amount, and a free cash flow amount. 10. The information processing system of claim 1. This allows the information processing system to perform analysis based on the settlement period, the tax adjustment target amount, the expected current profit amount, and / or the amount of free cash flow. (Appendix 3) The analysis unit calculates a recommendation level for the recommended tax-adjusted product information based on the transaction information, The presentation unit presents the recommended tax-adjusted product information to the user in order of the recommendation level. 3. The information processing system according to claim 1 or 2. This allows the user to efficiently consider tax-adjusted products by referring to the recommendation level. (Appendix 4) The recommendation level is calculated based on an expected benefit amount of the tax-adjusted product according to the user's accounting information. 10. The information processing system of claim 3. This allows the recommendation level of tax-adjusted products to be calculated according to the user's specific accounting information. (Appendix 5) the analysis unit extracts the recommended tax adjustment product information using a learning model that has learned the correlation between the transaction information of multiple users and the tax adjustment effects of multiple tax adjustment product information; 10. The information processing system of claim 1. This allows for improved accuracy in proposing tax-adjusted products. (Appendix 6) the acquisition unit accepts a selection of the tax-adjusted product information from the user; The analysis unit calculates a tax adjustment amount for the user according to the selected tax adjustment product information, The presentation unit presents the tax adjustment amount to the user. 6. An information processing system according to any one of appendices 1 to 5. This allows the user to know the specific tax adjustment amount for the selected tax adjustment product. (Appendix 7) the acquisition unit receives from the user a purchase request for a tax-adjusted product corresponding to the tax-adjusted product information; a purchase management unit that executes a purchase agreement with the user for the tax-adjusted product that the user wishes to purchase; 7. An information processing system according to any one of appendices 1 to 6. This allows users to go through the entire process from considering tax adjustment products to signing a contract in one go, improving user convenience. (Appendix 8) When the acquisition unit acquires a sales registration request including tax adjustment product information corresponding to the seller's tax adjustment product from the seller of the tax adjustment product, The system further includes a product management unit that stores tax adjustment product information corresponding to the tax adjustment product of the seller and the seller in the storage unit in association with each other. 8. An information processing system according to any one of appendices 1 to 7. This allows the information processing system to accept requests for sales of tax-adjusted products from a plurality of sellers and provide the user with information on tax-adjusted products from a plurality of sellers, thereby expanding the user's options. (Appendix 9) The product management unit provides a marketplace for tax-adjusted products to the users and the sellers. 10. The information processing system of claim 8. This improves convenience for users and sellers. (Appendix 10) the accounting information includes the user's financial statements or bank account details; 10. An information processing system according to any one of appendices 1 to 9. This allows for more appropriate tax adjustment products to be recommended based on the user's financial situation. (Appendix 11) The acquisition unit acquires the transaction information from a reference destination specified by the user. 11. An information processing system according to any one of appendices 1 to 10. This allows users to specify a link to accounting information that is publicly available on their company's website as a reference, simplifying the process for users. (Appendix 12) The acquisition unit acquires virtual information from the user as the transaction information. 12. An information processing system according to any one of appendices 1 to 11. This allows the system to present recommended tax adjustment products based on provisional information even when the user is unable to provide accurate information. (Appendix 13) The purchase management unit manages the operation status of the tax-adjusted product purchased by the user, The presentation unit presents to the user the purchase history (investment history) and / or investment performance of the tax-adjusted products purchased by the user. 8. The information processing system of claim 7. This allows the user to easily manage the tax adjustment products that they have purchased. (Appendix 14) the analysis unit acquires credit information of the user and proposes a loan to the user based on the credit information; 14. An information processing system according to any one of appendices 1 to 13. This allows for the presentation of countermeasures that can prevent opportunity loss in purchasing tax-adjusted products according to the user's financial situation. (Appendix 15) The acquisition unit further acquires attribute information of the user, The analysis unit extracts recommended tax adjustment information based on the transaction information and the attribute information. 15. An information processing system according to any one of appendices 1 to 14. This allows tax adjustment products that are more suitable for the user to be presented. (Appendix 16) a storage unit that stores tax-adjusted product information corresponding to the tax-adjusted product; an acquisition unit that acquires user transaction information; an analysis unit that extracts, from the tax adjustment product information based on the transaction information, recommended tax adjustment product information that has a tax adjustment effect for the user; a presentation unit that presents the recommended tax-adjusted product information to the user; An information processing device comprising: (Appendix 17) A program to be executed by a computer having a storage unit and a processing unit, an acquisition step of acquiring user accounting information; an analysis step of extracting recommended tax adjustment product information that has a tax adjustment effect for the user from tax adjustment product information corresponding to the tax adjustment product stored in the storage unit based on the transaction information; a presentation step of presenting the recommended tax-adjusted product information to the user; A program with. (Appendix 18) An information processing method to be executed by a computer having a storage unit and a processing unit, an acquisition step of acquiring user accounting information; an analysis step of extracting recommended tax adjustment product information that has a tax adjustment effect for the user from tax adjustment product information corresponding to the tax adjustment product stored in the storage unit based on the transaction information; a presentation step of presenting the recommended tax-adjusted product information to the user; An information processing method comprising: (Appendix 19) An information processing method for providing a user interface to a user terminal, comprising: the user interface accepts input of transaction information from a user; presenting tax adjustment product information that has a tax adjustment effect on the user, extracted from tax adjustment product information corresponding to the tax adjustment product based on the accounting information, as recommended tax adjustment product information; Information processing methods. [Explanation of symbols]

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

Claims

1. a storage unit that stores a plurality of pieces of tax-adjusted product information, including depreciation rates and yields, corresponding to tax-adjusted products, which are investment products for which depreciation expenses can be recorded; an acquisition unit that acquires accounting information of a user, including a tax adjustment target amount or a current profit forecast amount and a settlement period; an analysis unit that extracts, from the plurality of tax adjustment product information based on the accounting information, recommended tax adjustment product information that has a tax adjustment effect for the user by recording depreciation expenses; a presentation unit that presents the recommended tax-adjusted product information to the user; An information processing system comprising:

2. The accounting information includes at least one of a projected current profit amount and a free cash flow amount. The information processing system according to claim 1 .

3. The analysis unit calculates a recommendation level for the recommended tax-adjusted product information based on the transaction information, The presentation unit presents the recommended tax-adjusted product information to the user in order of the recommendation level.

3. The information processing system according to claim 1.

4. The recommendation level is calculated based on an expected benefit amount of the tax-adjusted product according to the user's accounting information. The information processing system according to claim 3 .

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

6. the acquisition unit accepts a selection of the tax-adjusted product information from the user; The analysis unit calculates a tax adjustment amount for the user according to the selected tax adjustment product information, The presentation unit presents the tax adjustment amount to the user. The information processing system according to claim 1 .

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

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

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

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

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

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

13. The purchase management unit manages the operation status of the tax-adjusted product purchased by the user, The presentation unit presents to the user a purchase history (investment history) and / or investment performance of the tax-adjusted product purchased by the user. The information processing system according to claim 7 .

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

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

16. a storage unit that stores a plurality of pieces of tax-adjusted product information, including depreciation rates and yields, corresponding to tax-adjusted products, which are investment products for which depreciation expenses can be recorded; an acquisition unit that acquires accounting information of a user, including a tax adjustment target amount or a current profit forecast amount and a settlement period; an analysis unit that extracts, from the plurality of tax adjustment product information based on the accounting information, recommended tax adjustment product information that has a tax adjustment effect for the user by recording depreciation expenses; a presentation unit that presents the recommended tax-adjusted product information to the user; An information processing device comprising:

17. A program to be executed by a computer having a storage unit and a processing unit, an acquiring step of acquiring accounting information of the user including a tax adjustment target amount or a current profit forecast amount and a closing date; An analysis step of extracting recommended tax adjustment product information that corresponds to the tax adjustment product, which is an investment product that can record depreciation expenses and is stored in the storage unit, based on the accounting information, and that has tax adjustment effects for the user by recording depreciation expenses from multiple tax adjustment product information including depreciation rates and yields; a presentation step of presenting the recommended tax-adjusted product information to the user; A program with.

18. An information processing method to be executed by a computer having a storage unit and a processing unit, an acquiring step of acquiring accounting information of the user including a tax adjustment target amount or a current profit forecast amount and a closing date; An analysis step of extracting recommended tax adjustment product information that corresponds to the tax adjustment product, which is an investment product that can record depreciation expenses and is stored in the storage unit, based on the accounting information, and that has tax adjustment effects for the user by recording depreciation expenses from multiple tax adjustment product information including depreciation rates and yields; a presentation step of presenting the recommended tax-adjusted product information to the user; An information processing method comprising:

19. An information processing method for providing a user interface to a user terminal, comprising: The user interface accepts input of accounting information including a tax adjustment target amount or a projected current profit amount and a settlement period from a user; presenting, as recommended tax adjustment product information, tax adjustment product information that corresponds to tax adjustment products and has a tax adjustment effect due to the recording of depreciation expenses to the user, extracted based on the accounting information from a plurality of tax adjustment product information including depreciation rates and yields; Information processing methods.

Images