JP7025938B2 - Loan condition information providing device, loan condition information providing method, and its program - Google Patents

Description

The present invention relates to a loan condition information providing device, a loan condition information providing method, a program thereof, and the like.

In recent years, in the financial industry, a movement called fintech, which provides new financial services and strengthens existing services by making full use of ICT, has become active. For example, as an example of fintech-related technology, there is known a system that accepts an application for a loan transaction via the Internet and makes a loan based on the examination result (for example, Patent Document 1).

Japanese Unexamined Patent Publication No. 2014-35583

The conventional system described in Patent Document 1 is provided by the lender. Therefore, the user of the conventional system can only confirm the result of the examination at the loanee that operates the system. As a result, when a user of such a system wants to compare the loan conditions of a plurality of lenders, it is necessary to undergo an examination in the system of each lender, which is troublesome.

Therefore, in view of the above circumstances, it is an object of the present invention to make it possible to easily compare the information of a plurality of lenders.

The loan condition information providing device according to one embodiment of the present invention includes a storage unit that stores accounting information of a business operator, a providing unit that provides accounting information to each financial institution server of a plurality of financial institutions, and a plurality of financial institutions. From each financial institution server, the acquisition department that acquires the loan condition information related to the loan conditions to the business operator evaluated based on the accounting information, and the loan condition information acquired from each financial institution server of multiple financial institutions. It is provided with an output unit that provides a screen to be displayed to a business terminal used by the business.

In the present specification and the like, the “part” does not simply mean a physical configuration, but also includes a case where the function of the configuration is realized by software. Further, the function of one configuration may be realized by two or more physical configurations, or the function of two or more configurations may be realized by one physical configuration.

According to the present invention, information on a plurality of lenders can be easily compared.

It is a block diagram which shows an example of the structure of the system in one Embodiment of this invention. It is a figure which shows an example of the functional block of the determination apparatus in one Embodiment of this invention. It is a figure which shows an example of the functional block of the loan condition information providing apparatus in one Embodiment of this invention. It is a figure which shows an example of the establishment information DB in one Embodiment of this invention. It is a figure which shows an example of the screen output by the output part in one Embodiment of this invention. It is a figure which shows an example of the screen output by the output part in one Embodiment of this invention. It is a figure which shows an example of the screen output by the output part in one Embodiment of this invention. It is a figure which shows an example of the screen output by the output part in one Embodiment of this invention. It is a figure which shows an example of the screen output by the output part in one Embodiment of this invention. It is a figure which shows an example of the screen output by the output part in one Embodiment of this invention. It is a sequence diagram which shows the processing flow of the system in one Embodiment of this invention. It is a figure which shows an example of the hardware composition of the terminal apparatus, the management terminal and the server apparatus in one Embodiment of this invention.

[Embodiment]
Hereinafter, one of the embodiments of the present invention will be described in detail. It should be noted that the following embodiments are examples for explaining the present invention, and the present invention is not limited to the embodiments thereof. Further, the present invention can be modified in various ways as long as it does not deviate from the gist thereof. Further, those skilled in the art can adopt an embodiment in which each element described below is replaced with an equal one, and such an embodiment is also included in the scope of the present invention. Further, in the following, in order to facilitate understanding, an embodiment in which the present invention is realized by using an information processing apparatus will be described as an example, but as described above, the present invention is not limited thereto.

<1. System overview>
FIG. 1 shows an example of the configuration of the system 10 including the loan condition information providing device 100 according to the present embodiment. As shown in FIG. 1, in the system 10, a loan condition information providing device 100, a terminal device 200, and a plurality of determination devices (an example of a financial institution server) 300 are connected to each other via a network N. It is configured.

In the system 10 according to the present embodiment, the loan condition information providing device 100 provides a service for managing information related to accounting to a user (hereinafter, also referred to as a “business operator”). A business operator who wants to receive a service in the system 10 operates a terminal device 200 to access the loan condition information providing device 100 and registers for the service. When the information of the business operator is registered in the loan condition information providing device 100, the loan condition information providing device 100 presents the loan amount (loan amount, credit line) that the business operator can procure to the business operator. In addition to the loan amount, the loan condition information providing device 100 may present, for example, an interest rate, creditworthiness, repayment deadline, and the like.

The network N is composed of a wireless network and a wired network. Examples of communication networks include mobile phone networks, PHS (Personal Handy-phone System) networks, wireless LAN (Local Area Network), 3G (3rd Generation), LTE (Long Term Evolution), 4G (4th Generation), and 4G (4th Generation). There are networks compliant with (registered trademark), infrared communication, Bluetooth (registered trademark), wired LAN, telephone line, power line network, IEEE1394, and the like.

The terminal device 200 includes any information processing device that can be connected to the loan condition information providing device 100 via the network N, such as a personal computer (PC), a notebook PC, a tablet terminal, a smartphone, a mobile phone, and a personal digital assistant (PDA). It can be used. The terminal device 200 includes a processor, a keyboard and mouse, input devices such as various operation buttons and touch panels, a display device such as a liquid crystal display, a communication interface for connecting to a communication network N, a disk drive or a semiconductor memory (ROM, RAM, etc.), and the like. It has the memory resources of.

The loan condition information providing device 100 is a general-purpose computer. The loan condition information providing device 100 does not have to be one computer, and may be composed of a plurality of computers distributed in the network N. Further, the plurality of determination devices 300 are servers associated with a funding source (for example, a financial institution) that provides a loan to a business operator.

<2. Functional configuration>
<2-1. Judgment device 300>
The functional configuration of the determination device 300 will be described with reference to FIG. 2A. FIG. 2A is a functional block diagram of the determination device 300. As shown in FIG. 2A, the determination device 300 includes an acquisition unit 301, a calculation unit 302, and a provision unit 303.

The acquisition unit 301 acquires business establishment information (details will be described later, but the business operator information is, for example, basic information and detailed data) from the loan condition information providing device 100. The acquisition unit 301 may be configured to receive the business information transmitted from the loan condition information providing device 100, in addition to sucking up the business information from the storage unit of the loan condition information providing device 100, for example. Further, the acquisition unit 301 may acquire the business establishment information at predetermined intervals (for example, one month), or acquires the business establishment information every time the business establishment information is updated in the loan condition information providing device 100. You may.

The calculation unit 302 calculates the loan condition information based on the business establishment information acquired by the acquisition unit 301 (details will be described later, but the business operator information is, for example, basic information and detailed data). The loan condition information is information including at least the loan conditions such as the loanable amount, the annual interest rate, and the loanable period. Even if the calculation unit 302 calculates the loan condition information based on the information indicating the creditworthiness of the business operator acquired from a designated credit information institution such as JICC (Japan Credit Information Reference Center Corp.) or CIC (CREDIT INFORMATION CENTER). good. The calculation unit 302 may calculate the loan condition information at the timing when the acquisition unit 301 acquires the business establishment information, or may calculate the loan condition information at arbitrary intervals.

The providing unit 303 provides the loan condition information calculated by the calculation unit 302 to the loan condition information providing device 100. As a method of providing loan condition information, there are various methods such as a method in which the providing unit 303 transmits loan condition information to the loan condition information providing device 100, and a method of writing loan condition information in a database accessible from the loan condition information providing device 100. Method can be used.

The determination device 300 can also provide accounting software by ASP service, cloud service, etc., POS cash register function, credit card payment service, EC service, bank account, invoice creation service, and the like.

<2-2. Functional configuration of loan condition information providing device 100>
The function of the loan condition information providing apparatus 100 will be described with reference to FIG. 2B. FIG. 2B is a block diagram showing the functions of the loan condition information providing device 100. As shown in FIG. 2B, the loan condition information providing device 100 has a storage unit 130, a registration receiving unit 120, an acquisition unit 121, a providing unit 122, and an output unit 123 as functional units.

The business establishment information DB 131 and the loan condition information DB 132 are stored in the storage unit 130. FIG. 3 is a diagram showing an example of the business establishment information DB 131. In the business establishment information DB 131, the business establishment ID, the basic information, the cooperation destination information, and the detailed data are registered in association with each other. In the following explanation, basic information, cooperation destination information, and detailed data are collectively referred to as business establishment information.

Basic information is basic information about a business operator. As an example of basic information, corporate information (corporate name, corporate telephone number, corporate address, etc.), representative information (representative name, representative contact information, date of birth of representative, etc.), and business information (ownership) Account information, business document classification, nearest station, address, etc.). The information included in the basic information is not limited to corporate information, but may be information about a sole proprietor. Further, although the details will be described later, the basic information may include information necessary for final tax return (declaration classification, etc.).

The cooperation destination information is information about the cooperation destination for automatically acquiring the detailed data of the business operator. Partners are, for example, banks, net banks, financial institutions such as credit card companies, POS cash registers, mail-order sites, and the like. As the cooperation destination information, for example, POS cash register, bank account, accounting software identifier, etc., information on the account opened at the cooperation destination, login information (user ID and password) for logging in to the cooperation destination homepage, The contract number etc. is registered.

Detailed data (an example of accounting information) is a record of transactions performed by a business operator. For example, the detailed data includes a transaction date, a transaction amount, a transaction partner, a transaction content, an account, and the like.

The business establishment information DB 131 may be configured to further register application information. The application information is information necessary for a business operator to apply for a loan. Examples of application information include the application date and time, the desired borrowing amount, the loan period, the number of repayments, and the use of funds.

The loan condition information DB 132 stores the loan condition information acquired from the determination device 300. As described above, the loan condition information includes at least the loanable amount, the annual interest rate, the loanable period, and the like.

The registration reception unit 120 accepts registration to the service from the business operator. Specifically, the registration reception unit 120 causes the terminal device 200 to present a predetermined registration screen (see FIGS. 4 to 9), and receives input of basic information, cooperation destination information, and the like from the business operator. The registration reception unit 120 registers the received basic information in the business establishment information DB 131.

The registration reception unit 120 may accept registration of images such as identity verification materials, financial statements, tax returns, and transcripts taken by the terminal device 200. In addition, when account information (ID and password) is required when acquiring transaction data from the cooperation destination (for example, when an external service requires account information), the registration reception unit 120 is the cooperation destination. When accepting the designation, the account information can also be accepted and stored in the business establishment information DB 131.

The registration reception unit 120 may be configured to accept a loan application to a fund-raising source. In this case, the registration reception unit 120 can receive information (application information) necessary for applying for a loan from the business operator, and can provide the received information to the determination device 300.

The acquisition unit 121 refers to the business establishment information DB 131 and acquires detailed data from the cooperation destination. The acquisition unit 121 can acquire detailed data by crawling a plurality of cooperation destinations at predetermined intervals (for example, once a day) and update the corresponding record of the business establishment information DB 131. The acquisition unit 121 may acquire detailed data in response to an instruction from another device such as the terminal device 200.

The providing unit 122 provides the business establishment information registered in the business establishment information DB 131 to the determination device 300. For example, as a method of providing business establishment information, the providing unit 122 can transmit the business establishment information to the determination device 300. If the determination device 300 can access the business establishment information DB 131, the determination device 300 may download the business establishment information.

The output unit 123 acquires loan condition information from each of the plurality of determination devices 300 and presents it to the user's terminal device 200. The output unit 123 may acquire loan condition information (pull type) by crawling a plurality of determination devices 300 at predetermined intervals (for example, once a month), and the determination device 300 obtains loan condition information. In the case of a configuration for transmission, the transmitted loan condition information may be received and acquired (push type). The output unit 123 records the received loan condition information in the loan condition information DB 132. The determination device 300 may directly write the loan condition information in the loan condition information DB 132.

It is preferable that the output unit 123 presents to the terminal device 200 a screen on which the loan condition information from a plurality of fund raising sources can be compared with respect to the acquired loan condition information (see FIG. 6). As an example, the output unit 123 can display a list of loan condition information from a plurality of fund raising sources. At this time, it is preferable that the output unit 123 displays the loan condition information based on a predetermined priority. For example, the output unit 123 may display the loan condition information in the order of the best loan conditions (highest available loan amount, lowest annual interest rate, longest available loan period, etc.). Further, for example, the output unit 123 may preferentially display the loan condition information from the fund raising source in which the business operator holds an account with reference to the business establishment information DB 131.

Further, it is preferable that the output unit 123 highlights the loan condition information of the funding source whose loan condition information has changed. At this time, the output unit 123 may preferentially display the loan condition information in which the loan condition information has changed.

If a business operator cannot calculate loan condition information among a plurality of fund raising sources, the proposal unit 124 prompts the business operator to register information for calculating the loan condition information. For example, if there is a funding source for which loan condition information could not be calculated because detailed data for the period required for evaluation (for example, 2 months or more) is not registered in the business establishment information DB 131, the period or longer It is possible to urge the business operator to register the detailed data.

<3. Screen example>
An example of a screen presented by the loan condition information providing device 100 according to the present embodiment will be described with reference to FIGS. 4 to 9.

FIG. 4 is an example of a home screen. The home screen has display areas A1 to A6. The display area A1 is an area in which business establishment information is displayed. In the example of FIG. 4, since the business establishment information has not been registered yet, an image prompting the input of the business establishment information and a button for transitioning to the basic information registration screen (Fig. 7) for registering the basic information among the business establishment information. B1 is displayed.

The display area A2 is an area in which the progress of setup, that is, registration of business establishment information necessary for providing a service, is displayed. In the display area A2, an icon I1 corresponding to account creation, an icon I2 corresponding to input of business establishment information, an icon I3 corresponding to data linkage, and an icon I4 corresponding to journal input are displayed. In the example of the home screen of FIG. 4, although the account has been created, the icons I2 to I4 are grayed out and displayed because the input of the office information, the data linkage, and the input of the journal have not been performed.

When the icon I2 is pressed, the screen transitions to the screen for registering basic information (Fig. 7), when the icon I3 is pressed, the screen transitions to the screen for registering the data linkage destination (Fig. 8), and when the icon I4 is pressed, the journal entry is entered. The screen transitions to the input screen (Fig. 9).

The display area A3 is an area in which the total balance of a single or a plurality of accounts linked with data is displayed. In the example of FIG. 4, since data linkage has not been implemented, 0 is displayed in the total amount. In the display area A3, a data linkage button B2 for performing data linkage is displayed. Data linkage is a function that accepts, for example, a designation of a financial institution from a user and automatically acquires detailed data managed by the financial institution. When the data linkage button B2 is pressed, the screen transitions to the screen (FIG. 8) for registering the data linkage destination.

The display area A4 is an area for opening an online banking account or making a new credit card contract. On the screen of FIG. 4, "AA Bank" is displayed as a bank for opening a new account, and "BB Card" is displayed as a credit card for a new contract. The bank or credit card company displayed in the display area A4 may be arbitrarily changed by the user. When you press the registration button B4, you can move to the website of a bank or credit card company and perform procedures such as opening an account.

The display area A5 is an area for setting a fund raising destination to be linked. In the example of FIG. 4, the funding source has not yet been set. When the cooperation button B6 displayed in the display area A5 is pressed, the screen transitions to the fund raising destination setting screen (FIG. 5).

The display area A6 is an area for displaying the notification list. Note that the notification is not displayed in the example of FIG.

FIG. 5 is an example of a fund raising destination setting screen. The fund raising destination setting screen has display areas A7 and A8.

The display area A7 is an area for displaying a list of financial institutions that can be selected as funding sources. The funds that can be selected are not limited to financial institutions. In the display area A7, the name of the financial institution, the logo, and the selection button B7 are displayed for each financial institution. The financial institution for which "ON" is selected on the selection button B7 is displayed as a funding source in the display area A5 of the home screen.

The display area A8 is an area for displaying a list of financial institutions (funding sources) displayed in the display area A7 that are determined to be able to lend to the user. Display The name of the financial institution, the loan conditions, and the application button B9 are displayed on the rear A8. By pressing the application button B9, the user can apply for borrowing. Specifically, when the application button B9 is pressed, a screen asking the user to input application information is displayed. The entered application information is transmitted to the determination device 300. In the determination device 300, the examination is performed again based on the application information, and the loan is actually executed to the user based on the result of the examination.

FIG. 6 is an example of a home screen after selecting a financial institution to raise funds. Although the display area A6 is not displayed in FIG. 6 due to the display area of the screen, it may be configured to be displayed.

In the display area A5 of FIG. 6, the name of the financial institution and the loan conditions are listed for the financial institution selected by the user as the fund procurement destination on the fund procurement destination setting screen. Further, in the display area A5, an application button B9 (similar to the function of FIG. 5) for applying for a loan to the selected financial institution is displayed. In the example of FIG. 6, the funding sources are displayed in descending order of loan amount. However, the present invention is not limited to this, and the funds may be displayed in ascending order of annual interest rate, or the funding sources for which the user owns an account may be displayed preferentially. Further, in the example of FIG. 6, all the fund-raising destinations for which "ON" is selected are displayed on the fund-raising destination setting screen, but the present invention is not limited to this. It may be displayed. Further, when the loan condition information is changed, the changed loan condition information may be preferentially displayed or highlighted. The emphasis on the loan condition information may be the entire loan condition information or only the variable items (for example, the loanable amount, the annual interest rate, etc.) of the loan condition information.

FIG. 7 is an example of the basic information registration screen. On the basic information registration screen, for example, the following information can be registered.
·Office name. If you do not have a business name, you may enter your personal name.
・ Name of representative ・ Business establishment classification ・ Declaration classification of submitted documents. For example, "general" can be selected when filing business income, "real estate" can be selected when filing real estate income, and "general / real estate" can be selected when filing both.
・ Declaration classification. Submit the blue filing approval application to the tax office, and select "blue filing" if the blue filing has been filed, or "white filing" in other cases.
・ Industry classification ・ Prefecture (location of business office)
・ Whether it is necessary to use the manufacturing cost item. Select Use when you want to use the manufacturing cost item in the manufacturing industry. If you select use, an account dedicated to manufacturing costs will be created, and if you register a journal using that item, the breakdown will be reflected in the section "Calculation of manufacturing costs" in the blue return statement.
In addition to these, on the basic information registration screen, it is also possible to select the accounting period and whether or not to file a consumption tax.

FIG. 8 is an example of the cooperation destination registration screen. On the link destination registration screen, by specifying the name of a bank account (for example, an online banking account), credit card, POS cash register, mail order site, prepaid card, transportation IC, etc. Information can be registered. At this time, the information (login information, contract number, password, etc.) necessary for automatically acquiring the details from the cooperation destination can also be registered.

FIG. 9 is an example of a journal entry screen. On the journal entry screen, the detail data is sorted by setting the account item in the detail data automatically acquired from the linkage destination. The loan condition information providing device 100 according to the present embodiment automatically sets account items based on the contents of the details when the details data is acquired from the cooperation destination. If the set account item is incorrect, the user can change it to the correct account item from the journal entry screen.

<4. Processing flow>
An example of the processing flow of the loan condition information providing device 100 according to the present embodiment will be described with reference to FIG. 10. First, a business operator who wishes to apply for the service according to the present embodiment operates the terminal device 200 to access the loan condition information providing device 100 and registers as a member (S11). At this time, the registration reception unit 120 of the loan condition information providing device 100 accepts the registration of basic information and cooperation destination information as business establishment information. The registration reception unit 120 registers the received business establishment information in the business establishment information DB 131 (S12).

The transmission unit 122 transmits the business establishment information registered in the business establishment information DB 131 to the determination device 300 (S22). In the determination device 300, the calculation unit 302 acquires the transmitted business establishment information and calculates the loan condition information (S31). Further, the providing unit 303 of the determination device 300 provides the calculated loan condition information to the loan condition information providing device 100 (S32).

The output unit 123 acquires the provided loan condition information and registers it in the loan condition information DB 132 (S23). The output unit 123 acquires loan condition information from a plurality of determination devices 300 and presents the terminal device 200 so that the respective loan condition information can be compared (S24).

As described above, according to the loan condition information providing device 100 according to the present embodiment, the loan condition information from a plurality of fund raising sources can be presented to the business operator so as to be comparable. This allows the business operator to easily select a funding source with the conditions that suit him / her.

<Hardware configuration>
Hereinafter, an example of the hardware configuration in the case where the loan condition information providing device 100, the determination device 300, and the terminal device 200 described above are realized by the computer 800 will be described with reference to FIG. 11. The function of each device can be realized by dividing it into a plurality of devices.

As shown in FIG. 11, the computer 800 includes a processor 801 and a memory 803, a storage device 805, an input I / F unit 807, a data I / F unit 809, a communication I / F unit 811 and a display device 813.

The processor 801 controls various processes in the computer 800 by executing a program stored in the memory 803. For example, the registration reception unit 120, the acquisition unit 121, the provision unit 122, the output unit 123 and the proposal unit 124 of the loan condition information providing device 100, and the acquisition unit 301, the calculation unit 302, and the provision unit 303 of the determination device 300 may be used. It can be realized as a program that is temporarily stored in the memory 803 and then mainly operates on the processor 801.

The memory 803 is a storage medium such as, for example, a RAM (Random Access Memory). The memory 803 temporarily stores the program code of the program executed by the processor 801 and the data required when the program is executed.

The storage device 805 is a non-volatile storage medium such as a hard disk drive (HDD) or a flash memory. The storage device 805 stores an operating system and various programs for realizing each of the above configurations. In addition, the storage device 805 can also store the business establishment information DB 131, the loan condition information DB 132, and the like. Such programs and data are referenced from the processor 801 by being loaded into the memory 803 as needed.

The input I / F unit 807 is a device for receiving an input from the administrator. Specific examples of the input I / F unit 807 include a keyboard, a mouse, a touch panel, various sensors, a wearable device, and the like. The input I / F unit 807 may be connected to the computer 800 via an interface such as USB (Universal Serial Bus).

The data I / F unit 809 is a device for inputting data from the outside of the computer 800. Specific examples of the data I / F unit 809 include a drive device for reading data stored in various storage media. It is also conceivable that the data I / F unit 809 is provided outside the computer 800. In that case, the data I / F unit 809 is connected to the computer 800 via an interface such as USB.

The communication I / F unit 811 is a device for performing data communication via the Internet N by wire or wirelessly with an external device of the computer 800. It is also conceivable that the communication I / F unit 811 is provided outside the computer 800. In that case, the communication I / F unit 811 is connected to the computer 800 via an interface such as USB.

The display device 813 is a device for displaying various information. Specific examples of the display device 813 include a liquid crystal display, an organic EL (Electro-Luminescence) display, a display of a wearable device, and the like. The display device 813 may be provided outside the computer 800. In that case, the display device 813 is connected to the computer 800 via, for example, a display cable or the like.

[Other embodiments]
In the above-described embodiment, the determination device 300 has been described as a device managed by a funding source such as a financial institution, but the present invention is not limited to this. For example, the device (financial institution server) managed by a fund source such as a financial institution and the determination device 300 may be different devices. In this case, the fund-raising destination acquires detailed data from the loan condition information providing device 100 using the financial institution server, and provides the acquired detailed data to the determining device 300 to cause the determining device 300 to calculate the loan condition information. You may. In this case, the financial institution server acquires the loan condition information calculated by the determination device 300 and provides it to the loan condition information providing device 100.

Further, for example, the fund-raising destination does not have to provide the detailed data to the determination device 300 after acquiring the detailed data from the loan condition information providing device 100 using the financial institution server. In this case, the staff of the fund raising source manually sets the loan condition information to the business operator based on the detailed data and the like, and provides the set loan condition information to the loan condition information providing device 100 using the financial institution server. May be good.

Further, for example, in the above-described embodiment, the funding source has described an example of calculating loan condition information based on detailed data, but the present invention is not limited to this. For example, it may be calculated based on real estate, securities, or the like. In this case, for example, the business operator may register the holding status of real estate, securities, etc. in the loan condition information providing device 100, and the loan condition information providing device 100 may provide the registered holding status to the financial institution server. ..

Each of the embodiments described above is for facilitating the understanding of the present invention, and is not for limiting the interpretation of the present invention. The present invention can be modified / improved without departing from the spirit thereof, and the present invention also includes an equivalent thereof. Further, each embodiment is an example, and it goes without saying that partial substitutions or combinations of the configurations shown in different embodiments are possible, and these are also included in the scope of the present invention as long as the features of the present invention are included. ..

10 System 100 Loan condition information providing device 120 Registration reception unit 121 Acquisition unit 122 Providing unit 123 Output unit 130 Storage unit 131 Business establishment information DB
132 Loan condition information DB
200 Terminal device 300 Judgment device

Claims (11)

A storage unit that stores the accounting information of the business operator,
A calculation unit that calculates loan condition information regarding loan conditions to the business operator at a plurality of financial institutions based on the accounting information.
An output unit that provides a screen for displaying the loan condition information calculated by the calculation unit to the business terminal used by the business, and an output unit.
Equipped with
The calculation unit automatically recalculates the loan condition information at a predetermined timing, and recalculates the loan condition information.
The output unit provides the business operator terminal with the loan condition information recalculated by the calculation unit.
Loan condition information provision system. When the loan condition information in the financial institution changes, the output unit highlights the changed loan condition information.
The loan condition information providing system according to claim 1. When the loan condition information in the financial institution changes, the output unit preferentially displays the changed loan condition information.
The loan condition information providing system according to claim 1 or 2 . When the calculation unit has a financial institution that cannot calculate the loan condition information among the plurality of financial institutions based on the accounting information, the financial institution that cannot calculate the loan condition information for the business operator has the loan condition. Proposal Department, which encourages you to register the information necessary to calculate the information.
The loan condition information providing system according to any one of claims 1 to 3 . An input unit that accepts input for selecting at least one or more financial institutions from the plurality of financial institutions.
The loan condition information providing system according to any one of claims 1 to 4 . The output unit is
Of the plurality of loan condition information, the loan condition information at the financial institution in which the business operator has an account is preferentially displayed.
The loan condition information providing system according to any one of claims 1 to 5 . The output unit is
Sorting the plurality of loan condition information based on a predetermined priority.
The loan condition information providing system according to any one of claims 1 to 6 . The output unit is
The plurality of loan condition information is sorted in descending order of loan conditions determined by a predetermined rule.
The loan condition information providing system according to any one of claims 1 to 7 . A storage unit that stores the accounting information of the business operator,
It is a calculation unit provided in the determination device related to each of the plurality of financial institutions, and the loan conditions relating to the loan conditions to the business operator in each of the plurality of financial institutions based on the accounting information stored in the storage unit. The calculation unit that calculates information and
An output unit that provides a screen for displaying the loan condition information calculated by the calculation unit to the business terminal used by the business, and an output unit.
Equipped with
The calculation unit automatically recalculates the loan condition information at a predetermined timing, and recalculates the loan condition information.
The output unit provides the business operator terminal with the loan condition information recalculated by the calculation unit.
Loan condition information provision system. The computer
Steps to memorize the accounting information of the business operator,
Based on the accounting information, a step of calculating loan condition information regarding loan conditions to the business operator in a plurality of financial institutions, and
A step of providing a screen for displaying the calculated loan condition information to the business terminal used by the business, and
A step of automatically and repeatedly recalculating the loan condition information at a predetermined timing,
The step of providing the recalculated loan condition information to the business operator terminal, and
How to provide loan terms information. Computer,
A means of storing accounting information of businesses,
A means for calculating loan condition information regarding loan conditions to the business operator at a plurality of financial institutions based on the accounting information.
A means for providing a screen for displaying the calculated loan condition information to a business terminal used by the business.
A means for automatically and repeatedly recalculating the loan condition information at a predetermined timing, and
A means for providing the recalculated loan condition information to the business operator terminal,
A program that functions as.

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