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

Abstract

This invention provides an information processing device, an information processing method, and an information processing program that can improve the cash flow of user companies. [Solution] In the accounting system S, the factoring unit of the information processing device includes a buyer company scoring unit that scores the basic information of the buyer company, a payment ability scoring unit that scores the transaction information of the buyer company, a user company scoring unit that scores the basic information and transaction information of the user company, and a factoring feasibility determination unit that determines whether or not to factor an invoice based on the buyer company scoring value by the buyer company scoring unit, the payment ability scoring value by the payment ability scoring unit, and the user company scoring value by the user company scoring unit. When the factoring feasibility determination unit determines that factoring is possible, the display screen storage unit displays a factoring trigger configured to enable factoring for the invoice on the invoice screen.

Description

【Technical Field】 【0001】 The present invention relates to an information processing apparatus, an information processing method, and an information processing program used for accounting processing. 【Background Art】 【0002】 An accounting service for performing accounting processing in enterprises and sole proprietorships is provided as a web service using a server or the like. The accounting service accepts input of income and expenditure information, performs journal entries, and posts them to the ledger. In such an accounting service, payments for goods and services are accounted for as accounts receivable (claims). Then, when the buyer makes a payment for the accounts receivable, an accounting process of reconciling the accounts receivable and the payment is performed. 【Prior Art Documents】 【Patent Documents】 【0003】 【Patent Document 1】 Japanese Patent Application Laid-Open No. 2018-169904 【Summary of the Invention】 【Problems to be Solved by the Invention】[[ID=3I]] 【0004】 In recent years, an invoice card payment service has been started to support the settlement between a seller company that does not accept credit card payments and a buyer company that wants to make credit card payments. In the invoice card payment service, a pseudo franchise of a credit card is placed between the seller company and the buyer company, and the pseudo franchise acts on behalf of receiving the credit card payment amount and depositing the payment to the seller. Such an invoice card payment service is expected to further enhance its function, as it brings an improvement in cash flow for small and medium-sized enterprises. 【0005】 The present invention was proposed to solve the problems of the prior art described above, and its objective is to provide an information processing device, an information processing method, and an information processing program that can improve the cash flow of user companies. [Means for solving the problem] 【0006】 To achieve the above objective, the information processing device according to the present invention has the following configuration. 【0007】 (1) The system includes an invoice issuing unit that issues an invoice from a user company to a buyer company, a display screen storage unit that stores an invoice screen that displays the invoice information contained in the invoice, and a factoring unit that performs factoring on the invoice amount, wherein the factoring unit comprises a buyer company scoring unit that scores the buyer company's basic information, a payment ability scoring unit that scores the buyer company's transaction information, a user company scoring unit that scores the user company's basic information and transaction information, and a factoring feasibility determination unit that determines whether factoring of the invoice is possible based on the buyer company scoring value by the buyer company scoring unit, the payment ability scoring value by the payment ability scoring unit, and the user company scoring value by the user company scoring unit, and when the factoring feasibility determination unit determines that factoring is possible, the display screen storage unit displays a factoring trigger configured to enable factoring of the invoice on the invoice screen. 【0008】 (2) The factoring unit further includes a factoring conditions calculation unit that determines factoring conditions when the factoring feasibility determination unit determines that factoring is possible, the factoring conditions calculation unit is configured to calculate an increase or decrease in the factoring fee included in the factoring conditions based on the determination result of the factoring feasibility determination unit, and the display screen storage unit is configured to display the factoring conditions determined by the factoring conditions calculation unit on the billing screen. 【0009】 (3) The factoring unit may further include a validity assessment unit that scores the validity of an invoice based on the billing information of the invoice, the basic information of the user company and the buyer company, and the transaction information of the user company and the buyer company, and the factoring eligibility determination unit may be configured to determine whether or not to factor the invoice, including the scoring value by the validity assessment unit. 【0010】 (4) The factoring unit may further include a basic information storage unit that stores account information of the user company's bank account, and the factoring unit may further include a factoring execution unit that, when the factoring trigger is selected, deposits the purchase price of the invoice into the user company's bank account. 【0011】 (5) The system further includes a card payment acceptance determination unit that determines whether the amount invoiced can be paid using a credit card owned by the buyer company, and if the card payment acceptance determination unit determines that card payment is possible, the display screen storage unit may display a card payment request trigger on the invoice screen that requests the buyer company to pay the invoice by card. 【0012】 (6) The system may further include a card payment reception unit that, upon selection of the card payment request trigger, executes a process to request the buyer company to pay the invoice amount by credit card. 【0013】 (7) The display screen storage unit may further include a cash transfer request trigger on the billing screen that requests the buyer company to pay the invoice by cash transfer, and a transfer acceptance unit that, upon selection of the cash transfer request trigger, executes a process to request the buyer company to pay the invoice amount by cash transfer. 【0014】 Furthermore, the above invention may include aspects as an invention of an information processing method and an information processing program. 【Effects of the Invention】 【0015】 According to the present invention, it is possible to provide an information processing apparatus, an information processing method, and an information processing program that can improve the cash flow of a user company. 【Brief Description of the Drawings】 【0016】 [Figure 1] It is a schematic diagram showing the schematic configuration of an accounting system. [Figure 2] It is a schematic diagram showing an example of a payment screen of an accounting system. [Figure 3] It is a schematic diagram showing an example of a billing screen of an accounting system. [Figure 4] It is a block diagram showing the configuration of the payment agency section of an accounting system. [Figure 5] It is a block diagram showing the configuration of the billing agency section of an accounting system. [Figure 6] It is a block diagram showing the configuration of the integration section of an accounting system. [Figure 7] It is an explanatory diagram illustrating the outline of the processing by the prediction section of an accounting system. [Figure 8] It is an explanatory diagram illustrating the outline of the processing by the reconciliation section of an accounting system. [Figure 9] It is a block diagram showing the configuration of the accounting offset section of an accounting system. [Figure 10] It is a block diagram showing the configuration of the borrowing processing section of an accounting system. [Figure 11] It is a block diagram showing the configuration of the factoring section of an accounting system. [Figure 12] It is a sequence diagram showing the factoring process of an accounting system. [Figure 13] It is a sequence diagram showing the borrowing process of an accounting system. [Figure 14] It is a sequence diagram showing the accounting offset process of an accounting system. 【Embodiments for Carrying Out the Invention】 【0017】 (System Overview) Hereinafter, an embodiment of an accounting system S including an information processing apparatus 1 of the present invention will be described in detail with reference to the drawings. FIG. 1 is a schematic diagram showing a schematic configuration of the accounting system S. The accounting system S shown in FIG. 1 is a system for providing accounting processing services to enterprises and individual business owners as the user enterprise 2 by the information processing apparatus 1. In the following description, the buyer enterprise is an enterprise that receives the provision of goods or services from the seller in exchange for payment. The seller enterprise is an enterprise that receives consideration from the buyer and provides goods or services. 【0018】 The accounting system S is provided as a web service by an information processing apparatus 1 such as a cloud server, for example, and is configured to be accessible when the user enterprise 2 of the accounting system S performs a predetermined authentication. The accounting system S mainly targets small and medium-sized enterprises and individual business owners as the user enterprise 2, but is not limited thereto. The accounting system S includes the information processing apparatus 1, and a customer terminal 20 owned by the user enterprise 2 of the accounting system S is communicably connected to the information processing apparatus 1 via a network 3. 【0019】 The accounting processing services provided by the accounting system S include a bill card payment service and a bill agency service. The bill card payment service is a service that accepts payment from the seller enterprise 4 of the user enterprise 2 (which becomes the buyer enterprise here) by credit card payment, substitutes for the receipt of payment to the seller, and receives the credit card payment amount from the user enterprise 2. In short, the user enterprise 2 executes the payment to the seller enterprise 4 by card settlement using a credit card. 【0020】 The invoice processing service is a service that issues invoices for client company 2 (in this case, the seller company) to buyer company 5, manages payment schedules, registers payments, and creates documents. The accounting system S can be configured to accept credit card payments from buyer company 5 for invoices issued by the invoice processing service. 【0021】 Customer terminals held by seller company 4 and buyer company 5 for user company 2 may also be configured to communicate with the information processing device 1 via network 3. In other words, it is conceivable that seller company 4 and buyer company 5 may also be user company 2 of the accounting system S. Furthermore, although seller company 4 and buyer company 5 are treated as single entities in the example in Figure 1, the accounting system S can target multiple seller companies 4 and buyer companies 5. Also, a single company may serve as both seller company 4 and buyer company 5 for user company 2. 【0022】 In the accounting system S, the information processing device 1 can be configured to access servers of financial institutions such as banks (not shown) and cloud accounting services via the network 3. The information processing device 1 is configured to acquire account information and cash flow information from these servers. 【0023】 The information processing device 1 and the customer terminal 20 are so-called computers, equipped with an arithmetic control unit (MPU) or CPU, a main memory (RAM), and an auxiliary storage device such as an HDD or SSD, also known as ROM. The information processing device 1 may be a standalone or distributed computer. Various programs are stored in the auxiliary storage device. The functions of the information processing device 1 are realized by executing various processes based on the programs stored in the auxiliary storage device. The customer terminal 20 may be a mobile phone, smartphone, or tablet PC. 【0024】 Network 3 is a network compliant with, for example, wired communication protocols such as IEEE 802.3, wireless communication protocols defined in IEEE 802.11, or other protocols, and is a communication network such as the Internet, a LAN, or a dedicated line. Each device sends and receives data using various communication protocols such as TCP / IP. 【0025】 The customer terminal 20 is used by the user company 2 for inputting various information for payment and billing agency services, displaying fees and charges, and checking the status of payment or billing processing. The various information entered is transmitted from the customer terminal 20 to the information processing device 1 via the network 3. The information processing device 1 is also configured to transmit the various information received from the customer terminal 20 to a receiving device (not shown). 【0026】 The accounting system S is configured to be accessible via a unique website for each user company 2. The information processing device 1 issues a user ID and password to each user company 2 in advance, for each unique website. The user ID and password are stored in the information processing device 1. 【0027】 (Customer terminal) The configuration of the customer terminal 20 is described below. As shown in Figure 1, the customer terminal 20 comprises a display unit D, an operation unit O, a web browser WB, an input information storage unit M, and an imaging unit I. In the example in Figure 2, only the customer terminal 20 of user company 2 is shown. However, if seller company 4 and buyer company 5 are user company 2 of the accounting system S, the terminals owned by seller company 4 and buyer company 5 may have the same configuration as the customer terminal 20 and be connected to the information processing device 1 via the network 3. 【0028】 The display unit D is a device that displays information to the visual sense by drawing characters, symbols, and figures using liquid crystal displays, organic EL displays, LED displays, etc. The display unit D is configured to display various screens related to accounting processing services by the accounting system S under the control of the web browser WB. The operation unit O is a device that accepts input operations from the operator of the customer terminal 20, such as a keyboard, mouse, touch panel, and microphone. The operation unit O is configured to accept input of various types of information from the operator. 【0029】 The web browser WB mainly consists of a CPU and displays various screens related to accounting processing services stored on the information processing device 1 on the display unit D. The input information storage unit M is a storage unit that stores various information entered on the various screens related to accounting processing services. The various information stored in the input information storage unit M is transmitted to the information processing device 1 via the web browser WB. 【0030】 The imaging unit I is a camera or the like, configured to capture images of a subject, and should be capable of capturing image data of, for example, a paper invoice. The invoice medium is not limited to paper; it could also be an invoice written on a whiteboard or displayed on a computer screen. Furthermore, the content of the invoice can be in any form or format, and may even be handwritten. 【0031】 The imaging unit I can be a camera provided as a function of the customer terminal 20. However, it may also be an external camera connected to the customer terminal 20. Note that the external camera does not necessarily have to be connected to the customer terminal 20; it may also be configured to import images stored on a memory card or the like into the customer terminal 20. The invoice image data captured by the imaging unit I is configured to be transmittable to the information processing device 1 via the web browser WB. 【0032】 (Information processing device) As shown in Figure 1, the information processing device 1 comprises a Web server WS, a basic information storage unit 100, a transaction information storage unit 110, a display screen storage unit 120, a payment agency unit 130, a billing agency unit 140, an integration unit 150, an accounting offsetting unit 160, a borrowing processing unit 170, and a factoring unit 180. The payment agency unit 130 includes a configuration for providing an invoice card payment service. The billing agency unit 140 includes a configuration for providing an invoice agency service. The Web server WS mainly consists of a CPU and transmits various screens related to accounting processing services to the customer terminal 20, and transmits and receives various information to the customer terminal 20. 【0033】 (Basic information storage) The basic information storage unit 100 is a storage unit that stores basic information about companies such as user company 2, seller company 4, and buyer company 5. Basic information about user company 2 can be obtained when contracting for the invoice card payment service and invoice agency service provided by accounting system S, and stored in the basic information storage unit 100. In addition, if user company 2 is a member of the business company of accounting system S, basic information can be obtained at the time of the member contract and stored in the basic information storage unit 100. Here, a member company means a store that has a contract with the business company (credit card company) of accounting system S and can accept card payments. 【0034】 Basic information about seller company 4 can be obtained at the time of service contract if seller company 4 is a user of the accounting system S's invoice processing service. Even if seller company 4 is not using the accounting system S's invoice processing service, if it is a regular trading partner of user company 2, the system can be configured to obtain basic information about seller company 4 from the history of regular transactions and store it in the basic information storage unit 100. 【0035】 Basic information about the buyer company 5 can be obtained at the time of service contract if the buyer company 5 is a user of the invoice card payment service of the accounting system S. Even if the buyer company 5 does not use the invoice card payment service of the accounting system S, if it owns a credit card, including a business card, provided by the business company of the accounting system S, the system can be configured to store basic information about that credit card in the basic information storage unit 100. 【0036】 Basic company information includes corporate information, representative information, credit information, card information, and account information. Corporate information includes information such as the company name, address, telephone number, industry, establishment date, years in business, annual sales, number of employees, and financial statements (financial information). Representative information includes information such as the representative's name, address, telephone number, date of birth, email address, representative's housing type, years of residence, marital status, head of household, relationship to head of household, whether there is a mortgage, years of employment, gross annual income, and information from the company registration certificate (seal certificate). 【0037】 Credit information includes information such as credit ratings and bankruptcy predictions from credit information research companies. Card information includes information such as credit card numbers and the name of the credit card holder. Account information includes information such as the name of the financial institution, branch name, account type (current or savings), account number, account balance, account transfer information, account transfer date, transfer amount, and cash flow. Account information may be obtained from financial institutions such as banks (not shown) or servers of cloud accounting services and stored in the basic information storage unit 100. 【0038】 (Transaction information storage unit) The transaction information storage unit 110 is a storage unit that stores transaction information relating to transactions between companies such as user company 2, seller company 4, and buyer company 5. Transaction information includes the number of transactions, billing information, billing history, billing recipient company, billing amount, billing details, billing frequency, collection record, collection information for payment delays, payment information, payment history, payee company, payment details, payment amount, payment due date, and number of delays. The information stored in the transaction information storage unit 110 may be configured to acquire transaction information relating to user company 2, seller company 4, and buyer company 5 through the invoice card payment service and invoice agency service of the accounting system S. 【0039】 Furthermore, if these companies are merchants of the accounting system S, transaction information related to the merchants can be stored in the transaction information storage unit 110. Transaction information related to merchants includes individual item handling records, reimbursement status, reimbursement schedule, and confirmed reimbursement amount. Individual item handling records refer to the records of individual credit merchant transactions between the accounting system S's operating company and the merchant. 【0040】 Furthermore, if these companies possess credit cards, including business cards, provided by the operating company of the accounting system S, the system may be configured to store transaction information related to such credit cards in the transaction information storage unit 110. Transaction information may be obtained from billing history information and card transaction information. Billing history information includes information such as transaction date, billing amount, payment terms, and payment results. Card transaction information includes information such as usage amount, number of uses, credit limit, merchant, and repayment history. 【0041】 (Display screen storage) The display screen storage unit 120 is mainly composed of RAM and stores various screens used for inputting and displaying various information. Here, we will specifically describe the payment list D1, which is the payment screen displayed in the invoice card payment service of the accounting system S, and the invoice list D2, which is the invoice screen displayed in the invoice agency service. The display screen storage unit 120 can also be considered as a display screen control unit that displays various information on the payment list D1 and the invoice list D2, for example. 【0042】 Note that the payment list D1 and invoice list D2 shown in the following explanation are examples of lists displayed as part of a screen. However, the details of the screen configuration can be changed as needed, such as configuring payment list D1 and invoice list D2 as separate screens. For example, the display position of information and buttons on the screen is not limited to the examples below. 【0043】 Figures 2(a) to 2(c) show an example of the Payment List D1. The Payment List D1 is a list that displays payment information included in the invoice from the seller company when the user company 2 is the buyer company. The payment information displayed in the Payment List D1 may include payment category, payee, payment amount, payment due date, etc. However, any desired information such as invoice date and payment name can be added as payment information. The Payment List D1 also displays a payment processing column that indicates whether or not payment processing has been completed. Before payment processing is performed, "Not yet" is displayed in the payment processing column to indicate that payment processing is not yet complete. 【0044】 The payment list D1 shows the payment options for each invoice: "Card Payment," "Accounting Offset," "Short-Term Loan," and "Cash Transfer." In the Card Payment column, the Card Payment button B1 is displayed if card payment is possible for the payment amount related to each invoice. The Card Payment button B1 is selected by User Company 2 when they wish to pay for the invoice by card, and it is the card payment trigger for executing the invoice card payment service. 【0045】 In the Accounting Offset column, the Accounting Offset button B2 is displayed if accounting offsetting is possible for the payment amount related to each invoice, based on the income and expenditure information of User Company 2. The Accounting Offset button B2 is a button that User Company 2 selects when they wish to perform accounting offsetting for that invoice, and it is the accounting offset trigger for executing accounting offsetting. 【0046】 As shown in Figure 2(b), the display screen memory unit 120 stores a popup P1 that is displayed when the cursor is located on the accounting offset button B2. Popup P1 is a window that displays the accounting offset conditions. The accounting offset conditions may include whether or not accounting offset is possible, the payment subject to accounting offset, the offset execution date, and other conditions. The execution button PB1 may be displayed in popup P1. The execution button PB1 is also an accounting offset trigger for executing accounting offset. 【0047】 In the Short-Term Loan column, the Short-Term Loan button B3 is displayed if a short-term loan is available for the payment amount related to each invoice. A short-term loan is a loan with a repayment due date within one year. However, in this embodiment, there is no intention to limit the form of loan to short-term loans. The Short-Term Loan button B3 is a button that user company 2 selects when they wish to obtain a short-term loan for the invoice, and it is a loan trigger for disbursing the loan. 【0048】 As shown in Figure 2(b), the display screen memory unit 120 stores a popup P2 that is displayed when the cursor is positioned over the short-term loan button B3. Popup P2 is a window that displays the loan conditions. The loan conditions may include the loan amount, effective annual interest rate, repayment period, and loan disbursement date. Popup P2 may also display an execution button PB2. The execution button PB2 is also a loan trigger for disbursing the loan. 【0049】 In the cash payment column, if payment by cash transfer is possible for each invoice, the cash transfer button B4 is displayed. The cash transfer button B4 is selected by user company 2 when they wish to pay the invoice by cash transfer, and it is the cash transfer trigger for executing the cash transfer. 【0050】 As shown in Figure 2(c), the payment list D1 is configured such that when a payment is processed via any of the buttons B1 to B4, the button that processed the payment will display "Completed". When any of the buttons B1 to B4 for each invoice displays "Completed", the other buttons become unavailable. In addition, the payment processing column is configured to display "Completed" to indicate that the payment processing is complete. 【0051】 Figures 3(a) to 3(c) show an example of the Invoice List D2. The Invoice List D2 is a list that displays the invoice information contained in the invoice issued by the invoice agency service when the user company 2 is the selling company. The invoice information displayed in the Invoice List D2 may include the invoice category, recipient, sales amount, consumption tax, invoice amount, and invoice due date. However, any desired information such as the invoice date and invoice title can be added as invoice information. The Invoice List D2 also displays an invoice processing column that indicates whether or not invoice processing has been performed. Before invoice processing is performed, "Not yet" is displayed in the invoice processing column to indicate that invoice processing is not yet complete. 【0052】 The invoice list D2 shows the payment options for each invoice: "Card Payment," "Factoring," and "Cash Transfer." The "Card Payment" column displays a Card Payment Acceptance Button B5 for each invoice, allowing the user to select whether or not to accept payment by card. The Card Payment Acceptance Button B5 is selected by User Company 2 when requesting payment by card from the Buyer Company for that invoice, and it acts as a Card Payment Request Trigger to execute the request. When such a Card Payment Request is executed, User Company 2 will bear the card payment fee, but it will be possible to expedite the collection of the invoice. A pop-up displaying the card payment fee may appear when the cursor is located on the Card Payment Acceptance Button B5. 【0053】 The Factoring column displays the Factoring button B6 if factoring is possible for the amount of each invoice. The Factoring button B6 is selected by User Company 2 when they wish to use factoring to raise funds by selling accounts receivable for that invoice, and it is the factoring trigger to execute the factoring. 【0054】 As shown in Figure 3(b), the display screen memory unit 120 stores a popup P3 that is displayed when the cursor is positioned over the factoring button B6. Popup P3 is a window that displays the factoring conditions. The factoring conditions may include whether or not the item can be purchased, the fees, the payment execution date, and other conditions. The execution button PB3 may be displayed in popup P3. The execution button PB3 is also a factoring trigger for executing factoring. 【0055】 The cash payment column displays a cash payment acceptance button B7 for each invoice, allowing the user to select whether or not to accept payment by cash payment for the invoice amount. The cash payment acceptance button B7 is selected by user company 2 when requesting payment by cash payment from the buyer company for the invoice, and it is a cash payment request trigger for executing the cash payment request. 【0056】 As shown in Figure 3(c), the invoice list D2 is configured so that when a request or factoring is executed via any of the buttons B5 to B7, the button that was executed will display "Completed". When any of the buttons B5 to B7 for each invoice displays "Completed", the other buttons become unavailable. In addition, the invoice processing column is configured to display "Completed" to indicate that the invoice processing is complete. Note that "completion of invoice processing" may mean when the request or factoring application is completed, or when the invoiced amount is received. 【0057】 (Payment Agency Department) The payment processing unit 130 includes a processing unit for realizing the invoice card payment service. Figure 4 shows a schematic diagram illustrating the detailed configuration of the payment processing unit 130. The payment processing unit 130 includes a payment information acquisition unit 131, a payment processing unit 132, and a disbursement information storage unit 133. The processing content of the payment processing unit 130 by each component is output to the display screen storage unit 120, thereby constituting the payment information displayed in the payment list D1. 【0058】 The payment information acquisition unit 131 acquires payment information relating to invoices issued by the seller company 4 to the user company 2. The payment information acquisition unit 131 acquires payment information from invoices transmitted from the customer terminal 20 via the network 3. The invoice transmitted from the customer terminal 20 may be an invoice image captured by the imaging unit I of the customer terminal 20. Alternatively, the invoice image data may be read by AI-OCR and converted into text data. 【0059】 The payment information acquisition unit 131 can be configured to acquire invoices stored in the input information storage unit M of the customer terminal 20. Alternatively, invoices may be acquired from an external data storage server device or the like via the network 3. The invoice can be in any file format that allows for the acquisition of payment information, such as JPEG, GIF, PNG, or PDF. Therefore, for example, the system may be configured to transmit the invoice sent by the seller company 4 to the user company 2 directly to the information processing device 1. 【0060】 The payment information acquisition unit 131 acquires predetermined payment information from the invoice. The payment information may include payment classification, payee, payment amount, and payment due date. In addition, the payment information may include payment-related information contained in the invoice, such as the invoice date, payment name, and payee's account information. The payment information acquisition unit 131 outputs the acquired payment information to the payment processing unit 132 and the disbursement information storage unit 133. 【0061】 The payment processing unit 132 is a processing unit that performs payment processing related to payment information. The payment processing unit 132 includes a card payment determination unit 132a, a card payment execution unit 132b, and a cash transfer execution unit 132c. The card payment determination unit 132a is a processing unit that determines whether or not payment based on payment information can be made using a credit card owned by the user company 2. 【0062】 The card payment determination unit 132a determines whether a payment based on credit card transaction information is possible by credit card. For example, for a credit card related to card information stored in the basic information storage unit 100, the card payment determination unit 132a refers to the transaction information stored in the transaction information storage unit 110 and determines whether payment is possible. If the card payment determination unit 132a determines that credit card payment is possible, the card payment button B1, which is labeled "OK", will be displayed in the card payment column of the payment list D1, as shown in Figure 2(a). In other words, the credit card payment processing by the card payment execution unit 132b becomes possible. 【0063】 The card payment execution unit 132b is a processing unit that performs settlement processing for payments related to payment information using, for example, a credit card related to card information stored in the basic information storage unit 100. When the card payment button B1 is selected, the card payment execution unit 132b queries, for example, an external computer for authentication of the credit card payment. When the credit card payment is approved, the card payment column and payment processing column of the payment list D1 are changed to "Completed" as shown in Figure 2(c). 【0064】 The cash transfer execution unit 132c is a processing unit that performs deposit processing for payments related to payment information, for example, using the bank account of the user company 2 related to the account information stored in the basic information storage unit 100. When the cash transfer button B4 is selected, the cash transfer execution unit 132c performs the deposit processing based on the account information of the seller company 4 included in the payment information. Once the deposit using the bank account is completed, the cash transfer column and payment processing column of the payment list D1 are changed to "Completed" as shown in Figure 2(c). 【0065】 The withdrawal information storage unit 133 is a storage unit that stores payment information input from the payment information acquisition unit 131. The withdrawal information storage unit 133 also stores the determination result by the card payment determination unit 132a and whether or not payment processing has been performed by the card payment execution unit 132b or the cash transfer execution unit 132c for the payment information of each invoice. The payment information stored in the withdrawal information storage unit 133 is output to the integration unit 150 and used for managing the deposits and withdrawals of the user company 2. It can be interpreted that the withdrawal information storage unit 133 also serves as a part of the transaction information storage unit 110. 【0066】 (Billing Agency Department) The billing agency unit 140 includes a processing unit for realizing the billing agency service. Figure 5 shows a schematic diagram illustrating the detailed configuration of the billing agency unit 140. The billing agency unit 140 includes an invoice issuance unit 141, a reception processing unit 142, and a payment information storage unit 143. The processing content of the billing agency unit 140 by each component is output to the display screen storage unit 120, thereby constituting the billing information displayed in the billing list D2. 【0067】 The invoice issuance unit 141 is a processing unit that issues invoices from the user company 2 to the buyer company 5. The invoice issuance unit 141 is configured to issue invoices based on billing information transmitted from the customer terminal 20 owned by the user company 2. As described above, billing information includes the billing amount and can also be said to be information related to receivables. 【0068】 The invoice issuing unit 141 can be configured to acquire invoice information stored in the input information storage unit M of the customer terminal 20. Alternatively, invoice information may be acquired from an external data storage server device or the like via the network 3. Furthermore, a database of invoice information can be provided in the information processing device 1. The invoice issuing unit 141 performs invoice issuance processing based on the input invoice information. 【0069】 Furthermore, the invoice issuing unit 141 may also be responsible for sending the issued invoices to the buyer company 5. The invoices can be sent by a predetermined method such as web, email, postal mail, or fax. The invoice issuing unit 141 outputs the invoice information related to the issued invoice to the reception processing unit 142 and the payment information storage unit 143. 【0070】 The reception processing unit 142 is a processing unit that selects the payment method to be used by the buyer company 5 for the invoice issued by the invoice issuance unit 141. The reception processing unit 142 includes a card payment acceptance determination unit 142a, a card payment acceptance unit 142b, and a bank transfer acceptance unit 142c. The card payment acceptance determination unit 142a is a processing unit that determines whether or not the invoice amount can be paid using a credit card owned by the buyer company 5. 【0071】 The card payment acceptance determination unit 142a determines, for example, that the payment of the invoice amount can be made by the buyer company 5's credit card, based on the fact that basic information regarding the buyer company 5's credit card is stored in the basic information storage unit 100. If transaction information regarding the buyer company 5's credit card is stored in the transaction information storage unit 110, the unit can be configured to use this information for the determination. If the card payment acceptance determination unit 142a determines that the buyer company 5 can pay by credit card, the card payment acceptance button B5, which is labeled "Accepted," will be displayed in the card payment column of the invoice list D2, as shown in Figure 3(a). In other words, the card payment acceptance unit 142b will be able to execute the credit card payment request processing. 【0072】 The card payment acceptance unit 142b is a processing unit that requests payment of the invoice amount by credit card owned by the buyer company 5. If the card payment acceptance button B5, which is labeled "OK" in the card payment column of the invoice list D2 shown in Figure 3(a), is selected, the card payment acceptance unit 142b processes a request to the buyer company 5 to pay the invoice amount by credit card. 【0073】 For example, the card payment acceptance unit 142b sends an email to the buyer company 5 stating that credit card payment is possible on the condition that the user company 2 bears the transaction fee. Once the billing process is complete, the card payment column and payment processing column in the billing list D2 are changed to "Completed," as shown in Figure 3(c). 【0074】 The transfer acceptance unit 142c is a processing unit that requests the buyer company 5 to deposit the invoiced amount into a bank account owned by the buyer company 5. If the cash transfer acceptance button B7, which is labeled "OK" in the cash transfer column of the invoice list D2 shown in Figure 3(a), is selected, the transfer acceptance unit 142c processes a request to the buyer company 5 to deposit the invoiced amount into a cash transfer, for example, through an account in the account information stored in the basic information storage unit 100. 【0075】 For example, the payment receiving unit 142c sends an email to the buyer company 5 requesting that they make a cash payment for the invoiced amount. Once the invoice processing is complete, the cash payment column and payment processing column in the invoice list D2 are changed to "Completed," as shown in Figure 3(c). 【0076】 The deposit information storage unit 143 is a storage unit that stores billing information entered from the invoice issuance unit 141. The deposit information storage unit 143 also stores the billing information for each invoice, including the determination result by the card payment acceptance determination unit 142a and whether or not billing processing has been performed by the card payment acceptance unit 142b or the bank transfer acceptance unit 142c. The billing information stored in the deposit information storage unit 143 is output to the integration unit 150 and used for managing the deposits and withdrawals of the user company 2. It should be noted that the deposit information storage unit 143 can be interpreted as also serving as a part of the transaction information storage unit 110. 【0077】 (Integration Department) The integration unit 150 is a processing unit that combines the disbursement information entered from the payment agency unit 130 and the deposit information entered from the billing agency unit 140, and manages them as integrated information. The integrated information can be said to be information related to the cash flow of the user company 2. As shown in Figure 6, the integration unit 150 is composed of a sorting unit 151, a forecasting unit 152, an account balance inquiry unit 153, a notification unit 154, and a reconciliation unit 155. 【0078】 The sorting unit 151 is a processing unit that sorts the disbursement information entered from the payment agency unit 130 and the deposit information entered from the billing agency unit 140 according to predetermined criteria. The sorting unit 151 sorts the disbursement information and deposit information based, for example, on the payment due date and the billing due date. Alternatively, it can be sorted by the invoice receipt date and the invoice issuance date. However, for the purpose of managing cash flow, it is most preferable to manage by the payment due date and the billing due date. The data sorted by the sorting unit 151 may be stored in the transaction information storage unit 110. 【0079】 The forecasting unit 152 is a processing unit that calculates the cash flow from the disbursement and deposit information sorted by the sorting unit 151 and predicts the future cash flow of the user company 2. Figure 7 shows an explanatory diagram illustrating the overview of the processing by the forecasting unit 152. As shown in Pattern A of Figure 7, for example, suppose there is a planned deposit of 1 million yen on January 31st and a planned disbursement of 800,000 yen on February 27th. In this case, the forecasting unit 152 predicts a +1 million yen on January 31st and a -800,000 yen on February 27th, for a total of +200,000 yen. 【0080】 Next, as shown in Pattern B of Figure 7, suppose there is a planned withdrawal of 800,000 yen on February 27th and a planned deposit of 1,000,000 yen on March 30th. In this case, the prediction unit 152 predicts a loss of 800,000 yen on February 27th and a gain of 1,000,000 yen on March 30th, for a total gain of 200,000 yen. 【0081】 The prediction unit 152 may be configured to predict future cash flows using transaction information stored in the transaction information storage unit 110. For example, it may be configured to refer to the number of delays included in the transaction information and predict cash flows by underestimating the probability of future payments from buyer company 5 that have been late in the past. In this case, the probability can be configured to be variable based on the number of delays by buyer company 5. 【0082】 The account balance inquiry unit 153 is a processing unit that inquires about the account balance of user company 2 based on the account information stored in the basic information storage unit 100. The account balance inquiry unit 153 inquires about the account balance when the cash flow forecast by the forecasting unit 152 is negative. As described above, for example, in pattern B of Figure 7, the cash flow is predicted to be -800,000 yen on February 27th. In such a case, the account balance inquiry unit 153 inquires about the account balance and checks whether there is a balance of 800,000 yen or more. 【0083】 The notification unit 154 is a processing unit that notifies user company 2 when the account balance of user company 2 is insufficient. The notification unit 154 may be a sending unit that sends an email to the email address of user company 2 stored in the basic information storage unit 100, for example. For example, in pattern B of Figure 7, if the account balance inquiry unit 153 confirms that the account balance is less than 800,000 yen, the notification unit 154 can be configured to send an email to user company 2 stating the amount of the account balance shortage. 【0084】 The reconciliation unit 155 is a processing unit that performs reconciliation processing and records the withdrawal information entered from the payment agency unit 130 and the deposit information entered from the billing agency unit 140. Figure 8 shows an explanatory diagram illustrating the overview of the processing performed by the reconciliation unit 155. As shown in Pattern A of Figure 8, for example, suppose there is a deposit of 1 million yen scheduled for January 31st and a withdrawal of 800,000 yen scheduled for February 27th. 【0085】 In this case, as shown in Pattern A of Figure 8, if a deposit of 1 million yen is made on January 31st and a withdrawal of 800,000 yen is made on February 27th, the reconciliation unit 155 performs reconciliation processing for both the deposit and the withdrawal. Based on the results of these reconciliation processes, it records deposit information of +200,000 yen. 【0086】 On the other hand, as shown in Pattern B of Figure 8, if a deposit of 1 million yen is not made on January 31st, and only a withdrawal of 800,000 yen is made successfully on February 27th, the reconciliation unit 155 performs reconciliation processing only for the withdrawal. Based on the results of the reconciliation processing, it records deposit information of -800,000 yen. Furthermore, the system can be configured to send an alarm notification to the user company 2 and a confirmation request notification to the buyer company 5 when the deposit on January 31st cannot be confirmed. 【0087】 The notification unit 154 may be configured to send an alarm notification to user company 2, for example, to the email address of user company 2 stored in the basic information storage unit 100. Similarly, the notification unit 154 may be configured to send a confirmation request notification to the email address of buyer company 5, for example, to the email address of buyer company 5 stored in the basic information storage unit 100. Alternatively, such a notification means may be provided in the billing agency unit 140. 【0088】 (Accounting Offset Department) The accounting offsetting unit 160 is a processing unit that offsets the payment amount related to an invoice against the receipt of advance payments made by the business company in the accounting system S. As shown in Figure 9, the accounting offsetting unit 160 includes an offsetting feasibility determination unit 161 and an offsetting execution unit 162. The offsetting feasibility determination unit 161 is a processing unit that determines whether accounting offsetting is possible for the payment amount related to each invoice in the payment agency service. 【0089】 The offsetting eligibility determination unit 161 is configured to be able to refer to transaction information such as individual item handling records, advance payment status, advance payment schedule, and confirmed advance payment amount from the transaction information storage unit 110. As a result, the offsetting eligibility determination unit 161 can grasp the receipt of advance payments from the business company of the accounting system S. In summary, accounting offsetting can be said to be a service that assumes the user company 2 is a member store of the business company of the accounting system S. 【0090】 The offsetting eligibility determination unit 161 determines that accounting offsetting is possible if there is an expected receipt that exceeds the expected disbursement within a predetermined period. For example, suppose there is a planned disbursement of 800,000 yen at the end of July, and a planned receipt of 1,000,000 yen from the business company as an advance payment on August 15. In such a case, the offsetting eligibility determination unit 161 determines that the expected receipt of 1,000,000 yen, which exceeds the planned disbursement of 800,000 yen, will occur within one month, and determines that accounting offsetting is possible for the planned disbursement of 800,000 yen. 【0091】 For payments that the offsetting feasibility determination unit 161 determines are eligible for accounting offsetting, the accounting offsetting button B2, which displays "Eligible," will be displayed in the accounting offsetting column of the payment list D1, as shown in Figure 2(a). In addition, the pop-up P1 may display the details of the advance payment subject to offset. In other words, the accounting offsetting process can be executed by the offsetting execution unit 162. 【0092】 The offsetting execution unit 162 is a processing unit that performs offsetting between the payment amount related to the invoice and the payment subject to offset. For example, when performing offsetting on the 800,000 yen disbursement at the end of July, the offsetting execution unit 162 is configured to use the account information of the business company in the accounting system S to perform an 800,000 yen advance payment offset transfer to the account information of the seller company 4 included in the payment information. At this time, the offsetting execution unit 162 can be configured to perform the transfer with the transfer name set to user company 2. Once the advance payment offset transfer is completed, the accounting offset column and payment processing column in the payment list D1 are changed to "Completed" as shown in Figure 2(c). 【0093】 (Debt Processing Unit) The loan processing unit 170 is a processing unit for executing a loan to the user company 2 for the payment amount related to the invoice. As shown in Figure 10, the loan processing unit 170 includes a basic scoring unit 171, a payment ability scoring unit 172, a seller company scoring unit 173, a suitability investigation unit 174, a loan eligibility determination unit 175, a loan condition calculation unit 176, and a loan execution unit 177. 【0094】 The basic scoring unit 171 is a processing unit that performs basic scoring, scoring the basic information of the user company 2 stored in the basic information storage unit 100. The basic scoring unit 171 performs basic scoring using, for example, the user company 2's years in business, annual sales, number of employees, industry, credit information, etc. In addition, if financial statements are stored as basic information in the basic information storage unit 100, the contents of those statements may be added when performing basic scoring. 【0095】 The items used by the basic scoring unit 171 for basic scoring are not limited to those described above, and the basic information stored in the basic information storage unit 100 may be used as appropriate. In addition, the basic scoring unit 171 may perform basic scoring using transaction information stored in the transaction information storage unit 110 in addition to the basic information. 【0096】 The basic scoring unit 171 may score the basic information of the user company 2 according to the conditions shown in Table 1 below, for example. [Table 1] 【0097】 The payment ability scoring unit 172 is a processing unit that performs payment ability scoring by scoring the transaction information of the user company 2 stored in the transaction information storage unit 110. The payment ability scoring unit 172 performs payment ability scoring using transaction information such as billing history, billing amount, collection record, and billing information, as well as payment history and payment information. In other words, it scores the payment ability of the user company 2 using transaction information. 【0098】 The items used by the ability-to-pay score scoring unit 172 for ability-to-pay score scoring are not limited to those described above, and the system may use transaction information stored in the transaction information storage unit 110 as appropriate. In addition, the ability-to-pay score scoring unit 172 may use basic information stored in the basic information storage unit 100 in addition to transaction information for ability-to-pay score scoring. 【0099】 The ability to pay scoring unit 172 may, for example, use the average monthly billing amount and the average monthly payment amount for the previous fiscal year for ability to pay scoring. For example, if the average monthly billing amount for the previous fiscal year was 25 million yen and the average monthly payment amount was 20 million yen, a positive balance of 5 million yen is generated each month, so the scoring value can be evaluated highly. 【0100】 Furthermore, the ability to pay scoring unit 172 may use the processed average invoice amount and average payment amount for the current fiscal year for ability to pay scoring. For example, if the average invoice amount for April of this fiscal year was 25 million yen and the average payment amount was 20 million yen, and the average invoice amount for May of this fiscal year was 20 million yen and the average payment amount was 23 million yen, then it can be seen that April is +5 million yen while May is -3 million yen. 【0101】 Even in such cases, the average monthly invoice amount and average monthly payment amount for client company 2 in the previous fiscal year can be used to prove that, although May is typically a busy period for procurement and payments exceed invoices, in subsequent months the average invoice amount exceeds the average payment amount. In such cases, the payment ability scoring unit 172 can rate the client company 2's scoring value highly. 【0102】 Furthermore, if the user company 2 is a member of the accounting system S, the payment ability scoring unit 172 can use the status of advances, advance schedules, and confirmed advance amounts for payment ability scoring. For example, even if the amount for May of this fiscal year is -3 million yen as described above, June and July are typically busy sales seasons, and May is a busy purchasing season. In such cases, advances increase from June onwards, allowing the user company 2 to receive a higher scoring value. 【0103】 The seller company scoring unit 173 is a processing unit that performs seller company scoring, scoring the basic information and transaction information of seller company 4 stored in the basic information storage unit 100 and the transaction information storage unit 110. The seller company scoring unit 173 performs seller company scoring using the basic information and payment history of seller company 4. The scoring of the basic information of seller company 4 may be performed in the same way as the conditions in Table 1 above. It can be said that the system uses the information about seller company 4 as a reference to score the payment ability of user company 2. For example, if there is no change in the credit information of seller company 4, it can be assumed that a stable cash flow can be expected, and the scoring value of user company 2 can be evaluated highly. 【0104】 The validity assessment unit 174 is a processing unit that scores the validity of invoices that are eligible for short-term borrowing. The validity assessment unit 174 scores the validity of invoices that are eligible for short-term borrowing based on the payment information of the invoices eligible for short-term borrowing, the basic information of the user company 2 and the seller company 4 stored in the basic information storage unit 100, and the transaction information of the user company 2 and the seller company 4 stored in the transaction information storage unit 110. 【0105】 The validity assessment unit 174 may score the validity of the invoice based on the conditions shown in Table 2 below, for example. [Table 2] 【0106】 As is clear from Table 2, the validity assessment unit 174 may score invoices subject to short-term borrowing based on whether there have been past transactions, the validity of the registered industry in the nominal terms, the validity of the company size in the details, and the validity of the timing based on the busy and slow periods of the industry. Furthermore, the validity assessment unit 174 can be configured to grasp the overall cash flow and account balance of user company 2 based on account information and cash flow information obtained from the servers of external financial institutions and cloud accounting services. For example, such a function may be made executable when user company 2 links a cloud accounting service to accounting system S. 【0107】 The loan eligibility determination unit 175 is a processing unit that determines whether or not to grant a loan based on the basic scoring value, the ability to pay scoring value, and the seller company scoring value. If the results of the appropriateness investigation by the appropriateness investigation unit 174 have been obtained, the loan eligibility determination unit 175 can also use the results of the appropriateness investigation in its determination. The loan eligibility determination unit 175 uses the basic scoring value and the ability to pay scoring value as the main determination materials, while using the seller company scoring value as reference information. In addition, if the user company 2 has linked the cloud accounting service to the accounting system S, the balance trend of the user company 2's account can be used in the determination. 【0108】 The loan terms calculation unit 176 is a processing unit that determines loan terms based on the determination result of the loan eligibility determination unit 175. The loan terms calculation unit 176 can be configured to calculate loan terms that increase the loan amount and decrease the loan interest rate when the loan eligibility determination unit 175 determines that the loan is approved with a higher score. In addition, the loan terms calculation unit 176 can grasp future payments by referring to the billing information stored in the payment information storage unit 143. If the loan terms calculation unit 176 determines that the loan funds can be recovered through future payments, it may be configured to calculate more favorable loan terms. 【0109】 If the loan eligibility determination unit 175 determines that a short-term loan is possible, the short-term loan button B3, which is marked "OK", will be displayed in the short-term loan column of the payment list D1, as shown in Figure 2(a). Also, as shown in Figure 2(b), the loan conditions calculated by the loan condition calculation unit 176 will be displayed in the pop-up P2. In other words, the loan execution unit 177 will be able to execute the loan process. 【0110】 The loan execution unit 177 is a processing unit that executes a deposit using the loan amount to the bank account of seller company 4, for example, the account information of seller company 4 included in the payment information. The loan execution unit 177 executes a payment to seller company 4's bank account when the short-term borrowing button B3 is selected. In other words, the business company of the accounting system S will make a transfer to seller company 4, but the loan execution unit 177 can be configured to make the transfer with user company 2 as the transferee. Once the payment using the loan funds is completed, the short-term borrowing column in the payment list D1 is changed to display as "Completed". 【0111】 (Factoring Department) The factoring unit 180 is a processing unit for performing factoring on the invoice amount issued by the invoice issuance unit 141. Factoring refers to a service in which, for example, a business company of the accounting system S purchases accounts receivable and collects those accounts receivable. As shown in Figure 11, the factoring unit 180 includes a buyer company scoring unit 181, a payment ability scoring unit 182, a user company scoring unit 183, a suitability investigation unit 184, a factoring feasibility determination unit 185, a factoring condition calculation unit 186, and a factoring execution unit 187. 【0112】 The buyer company scoring unit 181 is a processing unit that performs buyer company scoring by scoring the basic information of buyer company 5 stored in the basic information storage unit 100. The buyer company scoring unit 181 performs buyer company scoring using, for example, basic information such as the number of years in business, annual sales, number of employees, industry, and credit information of buyer company 5. In addition, if financial statements are stored as basic information in the basic information storage unit 100, the contents of those statements may be added when performing buyer company scoring. 【0113】 The items used by the buyer company scoring unit 181 for buyer company scoring are not limited to those described above, and the system may use basic information stored in the basic information storage unit 100 as appropriate. Furthermore, the buyer company scoring unit 181 may use transaction information stored in the transaction information storage unit 110 in addition to basic information for buyer company scoring. For example, the buyer company scoring unit 181 may score the basic information of buyer company 5 according to the conditions shown in Table 1 above. 【0114】 The ability to pay score scoring unit 182 is a processing unit that performs ability to pay score by scoring the transaction information of the buyer company 5 stored in the transaction information storage unit 110. The ability to pay score scoring unit 182 performs ability to pay score using transaction information such as the number of transactions between the buyer company 5 and the user company 2, the amount paid, the payment history, the number of delays, and the collection information. In other words, it scores the ability to pay of the buyer company 5 using the transaction information. 【0115】 Furthermore, the items used by the ability-to-pay scoring unit 182 for ability-to-pay scoring are not limited to those described above, and the unit may use transaction information stored in the transaction information storage unit 110 as appropriate. In addition, the ability-to-pay scoring unit 182 may perform ability-to-pay scoring using basic information of the buyer company 5 stored in the basic information storage unit 100, in addition to transaction information. 【0116】 The ability-to-pay scoring unit 182 may score the transaction information of the buyer company 5 according to the conditions shown in Table 3 below, for example. [Table 3] 【0117】 Alternatively, the ability to pay scoring unit 182 may be configured to refer to the transaction information stored in the transaction information storage unit 110 and apply weights to the scoring value. For example, from the transaction information of buyer company 5, it may be found that buyer company 5 pays invoices of 1 million yen or less in about 50 days, and pays invoices between 1.5 million yen and 2 million yen within about 60 days. In such a case, if the amount payable by buyer company 5 in this case is 2 million yen or less, there is a high probability that payment will be made, so the scoring value can be evaluated highly. 【0118】 Furthermore, if buyer company 5 is a user of accounting system S, it becomes possible to refer to transaction information with companies other than user company 2. In that case, for example, even if there is no record of payments exceeding 2 million yen to user company 2, if there is a record of payments exceeding 2 million yen to other companies, the scoring value can be evaluated higher. Also, by referring to buyer company 5's billing and payment information, if there is a surplus in buyer company 5's cash flow, the scoring value can be evaluated higher. 【0119】 Even if the buyer company 5 is not a user of the accounting system S, if it is a member of the accounting system S business company, or if it possesses a credit card including a business card provided by the accounting system S business company, scoring is possible by referring to the transaction information stored in the transaction information storage unit 110. The payment ability scoring unit 182 can use, for example, credit transaction volume (average unit price, number of transactions, payment history of advances from our company, overall scale of business calculated from credit share and other credit company share) and business card usage status for scoring. 【0120】 The User Company Scoring Unit 183 is a processing unit that performs user company scoring, scoring the basic information and transaction information of user company 2 stored in the basic information storage unit 100 and the transaction information storage unit 110. The User Company Scoring Unit 183 performs scoring using the basic information and payment history of user company 2. Scoring of user company 2's basic information may be performed in the same manner as the conditions in Table 1 above. 【0121】 The User Company Scoring Unit 183 can also score User Company 2's past invoices based on the billing information stored in the Transaction Information Storage Unit 110. For example, the User Company Scoring Unit 183 may score User Company 2 by referring to the number of invoices it has issued in the past and its payment history. In such a case, it may refer to data such as "In October 2023, invoices were issued to 20 companies, totaling 20 million yen, with an average collection time of 50 days, and all payments were made normally," and perform the scoring. In other words, the User Company Scoring Unit 183 may determine and score the likelihood of collection from User Company 2's trading partners based on past transaction history, including whether or not there were uncollectible payments and whether or not there were delays. 【0122】 The validity assessment unit 184 is a processing unit that scores the validity of invoices subject to factoring. The validity assessment unit 184 scores the validity of invoices subject to factoring based on the invoice information of the invoice subject to factoring, the basic information of the user company 2 and the buyer company 5 stored in the basic information storage unit 100, and the transaction information of the user company 2 and the buyer company 5 stored in the transaction information storage unit 110. 【0123】 The validity assessment unit 184 may score the validity of the invoice based on the conditions shown in Table 4 below, for example. [Table 4] 【0124】 As is clear from Table 2, the validity assessment unit 184 may score invoices subject to factoring based on whether there have been past transactions, the validity of the registered industry in the nominal terms, the validity of the company size in the details, and the validity of the timing based on the busy and slow periods of the industry. Furthermore, the validity assessment unit 184 can be configured to grasp the overall cash flow and account balances of both the user company 2 and the buyer company 5 based on account information and cash flow information obtained from the servers of external financial institutions and cloud accounting services. For example, this function may be made executable when user company 2 links a cloud accounting service to accounting system S. 【0125】 The factoring eligibility determination unit 185 is a processing unit that determines whether factoring is possible based on the buyer company scoring value, the ability to pay scoring value, and the user company scoring value. If the results of the appropriateness investigation by the appropriateness investigation unit 184 have been obtained, the factoring eligibility determination unit 185 can also use the results of the appropriateness investigation in its determination. The factoring eligibility determination unit 185 may use the buyer company scoring value and the ability to pay scoring value as the main determination materials, while also using the user company scoring value as reference information. 【0126】 The factoring eligibility determination unit 185 does not necessarily have to be based on all scoring values. For example, if the buyer company's credit information is very good, the system can be configured to determine that factoring is possible based solely on the buyer company's scoring value. Also, if this is the first transaction with the buyer company 5, the decision may be made with greater emphasis on the user company's scoring. 【0127】 The factoring terms calculation unit 186 is a processing unit that determines the factoring terms based on the determination result of the factoring eligibility determination unit 185. The factoring terms calculation unit 186 can be configured to calculate factoring terms that reduce the factoring fee when the factoring eligibility determination unit 185 determines that factoring is possible with a higher score. In addition, the factoring terms calculation unit 186 may be configured to reduce the factoring fee if it determines that there is a high probability of recovery when the information density used when determining that factoring is possible is high. 【0128】 If the factoring feasibility determination unit 185 determines that factoring is possible, the factoring button B6, which is marked "Available," will be displayed in the factoring column of the invoice list D2, as shown in Figure 3(a). Also, as shown in Figure 3(b), the factoring conditions calculated by the factoring condition calculation unit 186 will be displayed in the pop-up P3. In other words, the factoring execution unit 187 will be able to execute the factoring process. 【0129】 The factoring execution unit 187 is a processing unit that deposits the factoring amount into the bank account of the user company 2, for example, the account information stored in the basic information storage unit 100. The factoring execution unit 187 deposits the purchase amount into the user company 2's bank account when the factoring button B6 is selected. Once the factoring is complete, the factoring column and the billing processing column in the billing list D2 are changed to display as "Completed". 【0130】 (Factoring process) Figure 12 is an example of a sequence diagram illustrating the factoring process of the accounting system S described above. The information processing flow in this sequence diagram is performed for receivables in transactions between client company 2 and buyer company 5. 【0131】 First, buyer company 5 places an order for goods or services with user company 2 (step S01). User company 2 accepts the order from buyer company 5 and provides the goods or services to buyer company 5 (step S02). This order acceptance and acceptance process can be handled appropriately using the order acceptance and acceptance systems of user company 2 and buyer company 5. 【0132】 Once the order processing is completed by user company 2 and buyer company 5, user company 2 inputs billing information via customer terminal 20 and transmits it to information processing device 1 (step S03). The invoice issuing unit 141 of the information processing device 1 processes the issuance of an invoice based on the billing information obtained from customer terminal 20 (step S04). The invoice issuing unit 141 may then send the issued invoice to buyer company 5. 【0133】 Next, the factoring feasibility determination unit 185 of the factoring unit 180 determines whether factoring is possible based on the invoice amount issued by the invoice issuance unit 141, for example, based on the buyer company scoring value, the ability to pay scoring value, and the user company scoring value. If the factoring feasibility determination unit 185 determines that factoring is possible, the factoring condition calculation unit 186 determines the factoring conditions based on the determination result of the factoring feasibility determination unit 185 (step S05). Also, if the factoring feasibility determination unit 185 determines that factoring is possible, the display screen storage unit 120 performs the process of displaying the factoring button B6 and the factoring conditions in the invoice list D2. 【0134】 Referring to these factoring conditions, if client company 2 wishes to factor an invoice issued by invoice issuing unit 141, the factoring button B6 is selected in the invoice list D2 (step S06). Upon selection of factoring button B6, the factoring execution unit 187 deposits the purchase amount into client company 2's bank account (step S07). Furthermore, buyer company 5 deposits the amount related to the receivable into the business company of accounting system S, for example, at the end of the month following the month in which the transaction took place (step S08). 【0135】 (Loan processing) Figure 13 is an example of a sequence diagram illustrating the borrowing process in the accounting system S described above. The information processing flow in this sequence diagram is performed for receivables in transactions between user company 2 and seller company 4. 【0136】 First, user company 2 places an order for goods or services with seller company 4 (step S11). Seller company 4 accepts the order from user company 2 and provides the goods or services to user company 2 (step S12). This order acceptance and acceptance process can be handled appropriately using the order acceptance and acceptance systems of user company 2 and seller company 4. 【0137】 Once the order processing by user company 2 and seller company 4 is complete, seller company 4 processes the issuance of an invoice (step S13). User company 2, for example, captures the invoice using the imaging unit I of customer terminal 20 and transmits it to the information processing device 1. The payment information acquisition unit 131 acquires payment information related to the invoice transmitted from user company 2 (step S14). 【0138】 Next, the loan eligibility determination unit 175 of the loan processing unit 170 determines whether a loan is possible based on the payment amount of the invoice acquired by the payment information acquisition unit 131, for example, based on the basic scoring value, the ability to pay scoring value, and the seller company scoring value. If the loan eligibility determination unit 175 determines that a loan is possible, the loan condition calculation unit 176 determines the loan conditions based on the determination result of the loan eligibility determination unit 175 (step S15). Also, if the loan eligibility determination unit 175 determines that a loan is possible, the display screen storage unit 120 performs the process of displaying the short-term loan button B3 and the loan conditions in the payment list D1. 【0139】 Referring to these loan conditions, if user company 2 wishes to take out a short-term loan for the invoice from seller company 4, the short-term loan button B3 is selected in the payment list D1 (step S16). Upon selection of the short-term loan button B3, the loan execution unit 177 executes a deposit of the loan amount into seller company 4's bank account (step S17). 【0140】 (Accounting offsetting treatment) Figure 14 is an example of a sequence diagram illustrating the accounting offsetting process of the accounting system S described above. Furthermore, the flow including the information processing in this sequence diagram is performed for receivables in transactions established between user company 2 and seller company 4. 【0141】 First, user company 2 places an order for goods or services with seller company 4 (step S21). Seller company 4 accepts the order from user company 2 and provides the goods or services to user company 2 (step S22). This order acceptance and acceptance process can be handled appropriately using the order acceptance and acceptance systems of user company 2 and seller company 4. 【0142】 Once the order processing by user company 2 and seller company 4 is complete, seller company 4 processes the issuance of an invoice (step S33). User company 2, for example, captures the invoice using the imaging unit I of customer terminal 20 and transmits it to the information processing device 1. The payment information acquisition unit 131 acquires payment information related to the invoice transmitted from user company 2 (step S24). 【0143】 Next, the offsetting feasibility determination unit 161 of the accounting offsetting unit 160 determines whether accounting offsetting is possible based on the transaction information obtained from the transaction information storage unit 110, with respect to the payment amount of the invoice obtained by the payment information acquisition unit 131. If the offsetting feasibility determination unit 161 determines that accounting offsetting is possible because there is a planned receipt of advances exceeding the planned disbursement within a predetermined period, the display screen storage unit 120 performs the process of displaying the accounting offsetting button B2, which is marked "OK", in the accounting offsetting column of the payment list D1 (step S25). 【0144】 If user company 2 wishes to offset the invoice from seller company 4, the offsetting button B2 is selected in the payment list D1 (step S26). Upon selection of the offsetting button B2, the offsetting execution unit 162 executes a deposit using the advance payment to seller company 4's bank account (step S17). 【0145】 (Effects and Benefits) The effects of the information processing device 1 of this embodiment, as described above, are as follows. 【0146】 (1) Includes an invoice issuing unit 141 that issues an invoice from user company 2 to buyer company 5, a display screen storage unit 120 that stores an invoice screen that displays the invoice information included in the invoice, and a factoring unit 180 that performs factoring on the invoice amount, wherein the factoring unit 180 includes a buyer company scoring unit 181 that scores the buyer company's basic information, a payment ability scoring unit 182 that scores the buyer company's transaction information, and a user company scoring unit 1 that scores the user company's basic information and transaction information. The system includes 83 and a factoring feasibility determination unit 185 that determines whether or not an invoice can be factored based on the buyer company scoring value from the buyer company scoring unit 181, the ability to pay score from 【0147】 According to the information processing device 1, the trigger for performing factoring is displayed on the billing screen, so the client company 2 can perform factoring simply by selecting, for example, the factoring button B6. Furthermore, since it has been determined through various scoring methods that factoring is possible when the factoring button B6 is displayed, rapid processing is possible. In summary, the information processing device 1 can improve the cash flow of the client company. 【0148】 (2) The factoring unit 180 further includes a factoring condition calculation unit 186 that determines the factoring conditions when the factoring feasibility determination unit 185 determines that factoring is possible, and the factoring condition calculation unit 186 is configured to be able to calculate to increase or decrease the factoring fee included in the factoring conditions based on the determination result of the factoring feasibility determination unit 185, and the display screen storage unit 120 is configured to be able to display the factoring conditions determined by the factoring condition calculation unit 186 on the billing screen. 【0149】 According to the information processing device 1, the factoring conditions are also clear when the factoring button B6 is displayed. Therefore, client company 2 can confirm the factoring conditions on the billing screen and then proceed with factoring. Furthermore, the factoring eligibility determination unit 185 is configured to increase or decrease the factoring fee included in the factoring conditions based on its determination result. This allows for the proposal of more favorable factoring conditions to client company 2, which is also beneficial to client company 2. 【0150】 (3) The factoring unit 180 further includes a validity assessment unit 184 that scores the validity of an invoice based on the billing information of the invoice, the basic information of the user company 2 and the buyer company 5, and the factoring feasibility determination unit 185 is configured to determine whether or not to factor the invoice, taking into account the scoring value by the validity assessment unit 184. 【0151】 By referencing the basic information and transaction details of both client company 2 and buyer company 5, in addition to the billing information on the invoice, the validity of the invoice can be evaluated, making the scoring value more accurate. For example, increasing the scoring value based on the fact that past transactions have functioned properly increases the likelihood that client company 2 will be able to use factoring. In particular, if client company 2 is a small or medium-sized enterprise or a sole proprietor, they can utilize their actual business conditions for cash flow management, enabling them to obtain funds quickly and in various forms, and receive a highly convenient service. 【0152】 (4) The factoring unit 180 further includes a basic information storage unit 100 that stores the account information of the user company 2's bank account, and the factoring unit 180 further includes a factoring execution unit 187 that, when a factoring trigger is selected, executes a deposit of the purchase price of the invoice into the bank account. 【0153】 For example, if the factoring terms require immediate payment, when client company 2 selects the factoring button B6, the factoring execution unit 187 will immediately process the payment for the invoice. According to the information processing device 1, client company 2 can quickly improve its cash flow. 【0154】 (5) The system further includes a card payment acceptance determination unit 142a that determines whether the amount invoiced can be paid using a credit card owned by the buyer company 5. If the card payment acceptance determination unit 142a determines that card payment is possible, the display screen storage unit 120 displays a card payment request trigger on the invoice screen, requesting the buyer company to pay the invoice by credit card. 【0155】 The information processing device 1 is configured to determine whether card payment is possible and to display a card payment request trigger. Therefore, in addition to factoring, user company 2 can request payment from buyer company 5 by card. A highly convenient accounting system S can be proposed that can simultaneously propose multiple processes for invoices. 【0156】 (6) The card payment receiving unit 142b further includes, upon selection of a card payment request trigger, a card payment receiving unit 142b that processes a request to the buyer company 5 to pay the invoice amount by credit card. 【0157】 The card payment acceptance unit 142b can send an email to the buyer company 5 stating that, for example, the user company 2 can pay by credit card, provided that the user company 2 bears the transaction fee. By proposing such credit card payment to the buyer company 5, the likelihood of expediting the collection of invoices increases, and the user company 2's cash flow can be improved. 【0158】 (7) The display screen storage unit 120 further includes a transfer acceptance unit 142c that displays a cash transfer request trigger on the billing screen, which requests the buyer company 5 to pay the invoice by cash transfer, and when the cash transfer request trigger is selected, it executes a process to request the buyer company to pay the invoice amount by cash transfer. 【0159】 The information processing device 1 is configured to display a cash transfer request trigger. Therefore, in addition to factoring, user company 2 can request payment from buyer company 5 via cash transfer. A highly convenient accounting system S can be proposed that can simultaneously propose multiple processes for invoices. 【0160】 (Other embodiments) Although embodiments of the present invention have been described above, various omissions, substitutions, and modifications can be made without departing from the spirit of the invention. These embodiments and their variations are included in the scope and spirit of the invention, as well as in the claims of the invention and its equivalents. 【0161】 (1) A payment information acquisition unit that obtains payment information from invoices issued by selling companies to user companies, A display screen storage unit that stores the payment screen for displaying the aforementioned payment information, The aforementioned user company has a transaction information storage unit that stores transaction information related to member stores, Includes an accounting offsetting unit that performs offsetting on the payment amount of the aforementioned invoice, The aforementioned accounting offsetting unit is, Based on transaction information relating to the aforementioned member store, the system includes an offsetting feasibility determination unit that determines whether the payment amount of the aforementioned invoice can be offset by the advance payment, based on whether or not an advance payment equal to or greater than the payment amount of the aforementioned invoice has been received within a predetermined period. If the offsetting feasibility determination unit determines that offsetting is possible, the display screen storage unit displays an accounting offsetting trigger configured to enable accounting offsetting for the invoice on the payment screen. Information processing device. 【0162】 (2) The payment information in the aforementioned invoice includes the account information of the selling company. The accounting offsetting unit further includes an offsetting execution unit that, upon selection of the accounting offsetting trigger, executes a deposit into the selling company's bank account using the advance payment for the invoice. (1) The information processing device described above. 【0163】 (3) The offsetting execution unit is configured to execute a deposit using the advance payment for the invoice, with the user company as the remitter, as described in (2). 【0164】 (4) The system further includes a card payment determination unit that determines whether or not the payment amount related to the aforementioned invoice can be paid using a credit card owned by the user company, If the card payment determination unit determines that card payment is possible, the display screen storage unit displays a card payment trigger on the payment screen that is configured to allow the user company to make a payment by card for the invoice. (1) or (2) the information processing device described above. 【0165】 (5) The card payment execution unit further includes, which, upon selection of the aforementioned card payment trigger, executes a credit card payment settlement process for the payment amount related to the aforementioned invoice to the seller company. (4) The information processing device described above. 【0166】 (6) The display screen storage unit displays a cash transfer trigger configured to enable payment of the invoice to the user company by cash transfer on the payment screen. The system further includes a cash transfer execution unit that, upon selection of the aforementioned cash transfer trigger, executes a cash transfer payment processing for the payment amount related to the aforementioned invoice to the aforementioned selling company. (1) or (2) the information processing device described above. 【0167】 (7) Computers A payment information acquisition process that obtains payment information from invoices issued by the selling company to the user company, A display screen storage process that stores the payment screen displaying the aforementioned payment information, For the aforementioned user company, a transaction information storage process is performed to store transaction information related to the member store, The accounting offsetting process for the payment amount of the aforementioned invoice is performed to execute the loan, The aforementioned accounting offsetting treatment is, Based on transaction information relating to the aforementioned member store, the system includes a process to determine whether the payment amount on the aforementioned invoice can be offset by the advance payment, based on whether or not an advance payment equal to or greater than the payment amount on the aforementioned invoice has been received within a predetermined period. If the offsetting feasibility determination process determines that offsetting is possible, the display screen storage process displays an accounting offsetting trigger configured to enable accounting offsetting for the invoice on the payment screen. Information processing methods. 【0168】 (8) On the computer, A payment information acquisition process that obtains payment information from invoices issued by the selling company to the user company, A display screen storage process that stores the payment screen displaying the aforementioned payment information, For the aforementioned user company, a transaction information storage process is performed to store transaction information related to the member store, The accounting offsetting process is performed to offset the payment amount of the aforementioned invoice, The aforementioned accounting offsetting treatment is, Based on transaction information relating to the aforementioned member store, the system includes a process to determine whether the payment amount on the aforementioned invoice can be offset by the advance payment, based on whether or not an advance payment equal to or greater than the payment amount on the aforementioned invoice has been received within a predetermined period. If the offsetting feasibility determination process determines that offsetting is possible, the display screen storage process causes the payment screen to display an accounting offset trigger configured to enable accounting offsetting for the invoice. Information processing program. 【0169】 The effects of the information processing device 1 in the other embodiments described above are as follows. 【0170】 (1) The system includes a payment information acquisition unit 131 that acquires payment information from an invoice from a seller company 4 to a user company 2, a display screen storage unit 120 that stores a payment screen for displaying the payment information, a transaction information storage unit 110 that stores transaction information about the merchant for the user company 2, and an accounting offsetting unit 160 that performs offsetting on the payment amount of the invoice. The accounting offsetting unit 160 includes an offset feasibility determination unit 161 that determines whether the payment amount of the invoice can be offset by an advance payment based on the transaction information about the merchant, and whether or not an advance payment equal to or greater than the payment amount of the invoice has been received within a predetermined period. If the offset feasibility determination unit 161 determines that offsetting is possible, the display screen storage unit 120 displays an accounting offsetting trigger configured to enable accounting offsetting for the invoice on the payment screen. 【0171】 According to the information processing device 1, a trigger for executing accounting offset is displayed on the payment screen, so user company 2 can execute accounting offset simply by selecting, for example, the accounting offset button B2. Furthermore, since it has been determined that accounting offset is possible based on the transaction information of the merchant when the accounting offset button B2 is displayed, rapid processing is possible. In summary, the information processing device 1 can improve the cash flow of user companies. 【0172】 (2) The payment information on the invoice includes the account information of the seller company 4, and the accounting offsetting unit 160 further includes an offsetting execution unit 162 that, when an accounting offsetting trigger is selected, executes a deposit into the seller company 4's bank account using the advance payment for the invoice. 【0173】 For example, if the offset is to be executed on the same day, when user company 2 selects the accounting offset button B2, the offset execution unit 162 will immediately deposit the funds used for the advance payment on the invoice into seller company 4's bank account. According to the information processing device 1, user company 2 can quickly improve its cash flow. 【0174】 (3) The offsetting execution unit 162 is configured to execute a deposit using the advance payment for the invoice, with the transfer name being the user company 2. 【0175】 The accounting system S ensures that payments related to invoices from seller company 4 to user company 2 are made from the operating company of the accounting system S to seller company 4. By executing the deposit using the advance payment by the offsetting execution unit 162 with user company 2 as the remitter, seller company 4 can recognize the payment as being made by user company 2, even though the deposit originates from the operating company of the accounting system S, thus providing high convenience. 【0176】 (4) The system further includes a card payment determination unit 132a that determines whether or not the payment amount for the invoice can be paid using a credit card owned by the user company 2. If the card payment determination unit 132a determines that card payment is possible, the display screen storage unit 120 displays a card payment trigger on the payment screen that is configured to enable the user company 2 to make a payment for the invoice by card. 【0177】 The information processing device 1 is configured to determine whether card payment is possible and to display a card payment trigger. Therefore, user company 2 can make payments to seller company 4 by card in addition to receiving funds through loans. A highly convenient accounting system S can be proposed that can simultaneously propose multiple processes for invoice payments. 【0178】 (5) The card payment execution unit 132b further includes a card payment execution unit 132b that, upon selection of the card payment trigger, executes a credit card payment settlement process for the payment amount related to the invoice to the seller company 4. 【0179】 The card payment execution unit 132b executes the settlement process for the seller company 4 using the user company 2's credit card payment. This increases the likelihood of expediting payment processing and improves the user company 2's cash flow. 【0180】 (6) The display screen storage unit 120 may further include a cash transfer execution unit 132c that displays a cash transfer trigger configured to enable payment of the invoice to the user company 2 by cash transfer on the payment screen, and when the cash transfer trigger is selected, executes a cash transfer deposit process for the payment amount related to the invoice to the seller company 4. 【0181】 The information processing device 1 is configured to display a cash transfer trigger. Therefore, the user company 2 can make payments to the seller company 4 by cash transfer in addition to loans. A highly convenient accounting system S can be proposed that can simultaneously suggest multiple processes for invoices. [Explanation of symbols] 【0182】 S: Accounting system 1: Information Processing Device WS: Web server 100: Basic information storage section 110: Transaction information storage unit 120:Display screen storage section 130: Payment Agency Department 131: Payment Information Acquisition Department 132: Payment Processing Department 132a: Card payment determination unit 132b: Card payment execution unit 132c: Cash Transfer Execution Department 133: Withdrawal Information Storage Unit 140: Billing Agency Department 141: Invoice Issuance Department 142: Reception Processing Section 142a: Card payment acceptance determination unit 142b: Card Payment Acceptance Department 142c: Bank Transfer Reception Department 143: Deposit Information Storage Unit 150: Integration Department 151: Sort section 152: Prediction section 153: Account Balance Inquiry Department 154: Notification Department 155: Cancellation section 160: Accounting Offset Department 161: Cancellation possibility judgment part 162: Offset Execution Unit 170: Loan Processing Department 171: Basic Scoring Department 172: Payment Ability Scoring Department 173: Seller Company Scoring Department 174: Validation Investigation Department 175: Borrowing decision department 176: Loan Terms Calculation Department 177: Loan Execution Department 180: Factoring Department 181: Buyer Company Scoring Department 182: Payment Ability Scoring Department 183: User Company Scoring Department 184: Validation Investigation Department 185: Factoring feasibility determination unit 186: Factoring Terms Calculation Unit 187: Factoring Execution Department 2:Using company 20: Customer terminal D:Display section I: Imaging Unit I: Imaging Unit M: Input information storage unit O:Operation unit WB: Web browser 3: Network 4: Seller companies 5: Buyer Companies

Claims

[Claim 1] A payment information acquisition unit that obtains payment information from invoices issued by selling companies to user companies, A display screen storage unit that stores the payment screen for displaying the aforementioned payment information, For the aforementioned user company that is a merchant accepting credit card payments or individual credit, a transaction information storage unit stores transaction information about the merchant, including information about advance payments. Includes an accounting offsetting unit that performs offsetting on the payment amount of the aforementioned invoice, The aforementioned accounting offsetting unit is, Based on transaction information relating to the aforementioned member store, the system includes an offsetting feasibility determination unit that determines whether the payment amount of the invoice can be offset by the aforementioned advance payment, based on whether or not the advance payment amount equal to or greater than the payment amount of the invoice has been received within a predetermined period. If the offsetting feasibility determination unit determines that offsetting is possible, the display screen storage unit displays an accounting offsetting trigger configured to enable accounting offsetting for the invoice on the payment screen. Information processing device. [Claim 2] The payment information in the aforementioned invoice includes the account information of the selling company, The accounting offsetting unit further includes an offsetting execution unit that, upon selection of the accounting offsetting trigger, executes a deposit into the selling company's bank account using the advance payment for the invoice. The information processing apparatus according to claim 1. [Claim 3] The information processing apparatus according to claim 2, wherein the offsetting execution unit is configured to execute a deposit using the advance payment for the invoice, with the transfer name being the user company. [Claim 4] The system further includes a card payment determination unit that determines whether or not the payment amount related to the aforementioned invoice can be paid using a credit card owned by the user company, If the card payment determination unit determines that card payment is possible, the display screen storage unit displays a card payment trigger on the payment screen that is configured to allow the user company to make a payment by card for the invoice. The information processing apparatus according to claim 1 or 2. [Claim 5] The card payment execution unit further includes, which, upon selection of the aforementioned card payment trigger, executes a credit card payment settlement process for the payment amount related to the aforementioned invoice to the seller company. The information processing apparatus according to claim 4. [Claim 6] The display screen storage unit displays a cash transfer trigger configured to enable payment of the invoice to the user company by cash transfer on the payment screen. The system further includes a cash transfer execution unit that, upon selection of the aforementioned cash transfer trigger, executes a cash transfer payment processing for the payment amount related to the aforementioned invoice to the aforementioned selling company. The information processing apparatus according to claim 1 or 2. [Claim 7] Computers A payment information acquisition process that obtains payment information from invoices issued by the selling company to the user company, A display screen storage process that stores the payment screen displaying the aforementioned payment information, For the aforementioned user company that is a merchant accepting credit card payments or individual credit, a transaction information storage process is performed to store transaction information about the merchant, including information about advance payments. The accounting offsetting process for the payment amount of the aforementioned invoice is performed to execute the loan, The aforementioned accounting offsetting treatment is, Based on transaction information relating to the aforementioned member store, the process includes determining whether the amount payable on the invoice can be offset by the aforementioned advance payment, based on whether or not the advance payment is received within a predetermined period in an amount equal to or greater than the payment amount on the invoice. If the offsetting feasibility determination process determines that offsetting is possible, the display screen storage process displays an accounting offsetting trigger configured to enable accounting offsetting for the invoice on the payment screen. Information processing methods. [Claim 8] On the computer, A payment information acquisition process that obtains payment information from invoices issued by the selling company to the user company, A display screen storage process that stores the payment screen displaying the aforementioned payment information, For the aforementioned user company that is a merchant accepting credit card payments or individual credit, a transaction information storage process is performed to store transaction information about the merchant, including information about advance payments. The accounting offsetting process is performed to offset the payment amount of the aforementioned invoice, The aforementioned accounting offsetting treatment is, Based on transaction information relating to the aforementioned member store, the process includes determining whether the amount payable on the invoice can be offset by the aforementioned advance payment, based on whether or not the advance payment is received within a predetermined period in an amount equal to or greater than the payment amount on the invoice. If the offsetting feasibility determination process determines that offsetting is possible, the display screen storage process causes the payment screen to display an accounting offset trigger configured to enable accounting offsetting for the invoice. Information processing program.

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