JP7653389B2 - Program, method and information processing device - Google Patents

Description

The present disclosure relates to a program, a method, and an information processing device.

After establishing a company, it takes a considerable amount of time to open a financial institution account in the corporate name, which is a hurdle when starting a business. Specifically, if the business involves business activities that require licenses and permits, a corporate account is necessary to obtain business approval or to receive the results of a loan screening, but if the procedures for opening a corporate account do not progress, it can become psychologically stressful.

Patent Document 1 discloses a technology that provides a mechanism for buying and selling electronically recorded receivables between an ordering company and a factoring company in a lump-sum factoring transaction using electronically recorded receivables, thereby reducing the ordering company's debt and improving its financial condition.

JP 2017-010299 A

The technology in Patent Document 1 describes how, in a lump-sum factoring transaction using electronically recorded claims, the registered matters of the company are referenced when creating accounting data based on the information of the factoring ordering company. However, Patent Document 1 only describes a technology that references registered matters, corporate account information, etc. as reference information when creating accounting data after the incorporation, and if the corporation has not yet been established, there is a risk that procedures such as opening an account will become complicated.

Therefore, this disclosure provides a system that allows a reservation to open a financial institution account in the name of a corporation that has not yet been established, based on the information regarding the corporate registration entered when the company is established.

According to one embodiment of the present disclosure, a program is provided that is executed by a computer having a processor, the program causing the processor to execute the steps of: acquiring articles of incorporation data at the time of company establishment; applying to open an account at a financial institution to a financial institution's server based on the acquired articles of incorporation data; instructing the server of the financial institution to which the application for account opening has been submitted to perform an application for an account opening review; and notifying the user of the results of the account opening review sent from the financial institution's server.

According to this disclosure, it is possible to reserve the opening of a financial institution account in the name of a corporation that has not yet been established, based on the information regarding the corporate registration entered when the company is established.

A diagram showing the overall configuration of an account opening support system 1 of embodiment 1. A block diagram showing the functional configuration of a terminal device 10 that constitutes the account opening support system 1 of embodiment 1. A diagram showing the functional configuration of the server 20 that constitutes the account opening support system 1 of embodiment 1. A figure showing examples of the data structures of a user information database 2021 and an articles of incorporation information database 2022 stored in the server 20 constituting the account opening support system 1 of embodiment 1. 1 is a flowchart showing an example of a process for opening a corporate account by the account opening support system 1 of embodiment 1. FIG. 6 is a diagram showing an example of a screen displayed when entering necessary information for opening a corporate account in the account opening support system 1. FIG. 7 is a diagram showing an example of a screen for inputting necessary information when creating electronic articles of incorporation in the account opening support system 1.

Below, an embodiment of the present disclosure will be described with reference to the drawings. In the following description, identical parts are given the same reference numerals. Their names and functions are also the same. Therefore, detailed descriptions thereof will not be repeated.

＜Overview＞
The account opening support system according to the present disclosure will be described below. This account opening support system is a system for providing a service of presenting various opening-related information (such as a method for creating a notification of incorporation at the time of incorporation and a method for creating documents related to the opening of a corporate account) to a user who wishes to open a corporate account, and providing electronic articles of incorporation data to a bank system for opening a corporate account after receiving the necessary information from the user. Recently, the number of corporations being established through electronic procedures has increased. However, although it was possible to establish a corporation or the like through Web services, etc., a corporate account must be opened after the incorporation, and it was necessary to go to various financial institutions to complete the opening procedure. Therefore, a service that allows a corporation to apply for an account without going to a financial institution even before the incorporation is established is required. Therefore, in the system for supporting account opening, a technology is provided that allows a reservation for the opening of a financial institution account in the name of a corporation that has not yet been established to be made based on the details of the corporation registration entered at the time of company establishment.

The program in the account opening support system according to the present disclosure is a program executed by a computer having a processor, and the program causes the processor to execute the steps of acquiring articles of incorporation data at the time of corporate registration application, submitting an application for account opening at the financial institution to the financial institution's server based on the acquired articles of incorporation data, issuing an application instruction for account opening review to the financial institution's server to which the application for account opening has been submitted, and notifying the user of the results of the account opening review sent from the financial institution's server.

First Embodiment
The account opening support system 1 according to the first embodiment will be described below. In the following description, for example, when the terminal device 10 accesses the server 20, the server 20 responds with information for generating a screen on the terminal device 10. The terminal device 10 generates and displays a screen based on the information received from the server 20.

<1 Overall configuration of account opening support system 1>
FIG. 1 is a diagram showing the overall configuration of an account opening support system 1 according to a first embodiment. As shown in FIG. 1, the account opening support system 1 includes a plurality of terminal devices (terminal device 10A and terminal device 10B are shown in FIG. 1. Hereinafter, they may be collectively referred to as "terminal device 10"), a server 20, and a financial institution server 30. Note that the hardware configuration and functional configuration of the financial institution server may be the same as those of the server 20, and are not shown here. The terminal device 10, the server 20, and the financial institution server 30 are connected to each other via a network 80 so as to be able to communicate with each other. The network 80 is configured as a wired or wireless network.

The terminal device 10 is a device operated by each user. Here, a user is a person who uses the terminal device 10 to input a series of information related to opening a corporate account at a financial institution, which is a function of the account opening support system 1, and is, for example, the manager of a corporation (company). The terminal device 10 is realized by a stationary PC (Personal Computer), a laptop PC, etc. Alternatively, the terminal device 10 may be, for example, a tablet compatible with a mobile communication system, a mobile terminal such as a smartphone, etc.

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

The communication IF 12 is an interface for inputting and outputting signals so that the terminal device 10 can communicate with an external device such as the server 20. The input device 13 is an input device (e.g., a keyboard, a touch panel, a touch pad, a pointing device such as a mouse, etc.) for receiving input operations from a user. The output device 14 is an output device (a display, a speaker, etc.) for presenting information to a user. The memory 15 is for temporarily storing programs and data processed by the programs, etc., and is a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage unit 16 is a storage device for saving data, such as a flash memory or a HDD (Hard Disc Drive). The processor 19 is hardware for executing an instruction set described in a program, and is composed of an arithmetic unit, a register, a peripheral circuit, etc.

The server 20 is a device that manages a series of processes related to supporting the opening of a corporate account. The server 20 has user information, articles of incorporation data used to open a corporate account, etc. registered in the memory unit, and acquires the necessary user information from the various information registered in the memory unit. The server 20 performs a series of processes related to supporting the opening of a corporate account based on the acquired user information.

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

The communication IF 22 is an interface for inputting and outputting signals so that the server 20 can communicate with external devices. The input/output IF 23 functions as an interface with an input device (not shown) for receiving input operations from the user, and an output device (not shown) for presenting information to the user. The memory 25 is for temporarily storing programs and data processed by the programs, etc., and is a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage 26 is a storage device for saving data, such as a flash memory or a HDD (Hard Disc Drive). The processor 29 is hardware for executing a set of instructions written in a program, and is composed of an arithmetic unit, registers, peripheral circuits, etc.

<1.1 Configuration of terminal device 10>
FIG. 2 is a block diagram showing the functional configuration of the terminal device 10 constituting the account opening support system 1 of the first embodiment. As shown in FIG. 2, the terminal device 10 includes a plurality of antennas (antenna 111, antenna 112), wireless communication units (first wireless communication unit 121, second wireless communication unit 122) corresponding to each antenna, an operation reception unit 130 (including a keyboard 1301 and a mouse 1302), a display 150, a storage unit 170, and a control unit 180. The terminal device 10 also has functions and configurations (e.g., a battery for storing power, a power supply circuit for controlling the supply of power from the battery to each circuit, etc.) that are not particularly shown in FIG. 2. As shown in FIG. 2, each block included in the terminal device 10 is electrically connected by a bus or the like.

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

The antenna 112 emits the signal emitted by the terminal device 10 as a radio wave. The antenna 112 also receives the radio wave from space and provides the received signal to the second wireless communication unit 122.

The first wireless communication unit 121 performs modulation and demodulation processing and the like for transmitting and receiving signals via the antenna 111 so that the terminal device 10 can communicate with other wireless devices. The second wireless communication unit 122 performs modulation and demodulation processing and the like for transmitting and receiving signals via the antenna 112 so that the terminal device 10 can communicate with other wireless devices. The first wireless communication unit 121 and the second wireless communication unit 122 are communication modules including a tuner, an RSSI (Received Signal Strength Indicator) calculation circuit, a CRC (Cyclic Redundancy Check) calculation circuit, a high-frequency circuit, and the like. The first wireless communication unit 121 and the second wireless communication unit 122 perform modulation and demodulation and frequency conversion of wireless signals transmitted and received by the terminal device 10, and provide the received signals to the control unit 180.

The operation reception unit 130 has a mechanism for receiving input operations from a user. Specifically, the operation reception unit 130 includes a keyboard 1301 and a mouse 1302.

The keyboard 1301 accepts input operations by the user of the terminal device 10. The keyboard 1301 is a device for inputting characters, and outputs the input character information to the control unit 180 as an input signal.

The mouse 1302 accepts input operations by the user of the terminal device 10. The mouse 1302 is a pointing device for selecting an object displayed on the display 150, and outputs information about the position selected on the screen and information indicating that a button has been pressed as input signals to the control unit 180.

The display 150 displays data such as images, videos, and text in response to the control of the control unit 180. The display 132 is realized, for example, by an LCD (Liquid Crystal Display) or an organic EL (Electro-Luminescence) display. The display 150 is a touch screen that detects the position of the user's contact with the touch panel, for example, by using a capacitive touch panel, and may be configured to include the functions of the keyboard and the like described above.

The storage unit 170 is composed of a memory 15, such as a flash memory, and a storage unit 16, and stores data and programs used by the terminal device 10. In one aspect, the storage unit 170 stores user information 1701.

The control unit 180 is, for example, configured by the processor 19, and controls the operation of the terminal device 10 by reading a program stored in the storage unit 170 and executing instructions contained in the program. The control unit 180 performs the functions of an input operation reception unit 1801, a transmission/reception unit 1802, a data processing unit 1803, and a notification control unit 1804 by operating according to a program that is, for example, an application that has been installed in advance in the terminal device 10 (stored in the storage unit 170).

The input operation reception unit 1801 performs processing to receive user input operations on an input device such as the keyboard 1301.

The transmission/reception unit 1802 performs processing for the terminal device 10 to transmit and receive data to and from external devices such as the server 20 in accordance with a communication protocol.

The data processing unit 1803 performs calculations on the data received by the terminal device 10 according to a program, and outputs the calculation results to a memory or the like.

The notification control unit 1804 performs processing to present information to the user. The notification control unit 1804 performs processing to display a display image on the display 150, output audio to a speaker (not shown), etc.

<1.2 Functional configuration of server 20>
3 is a diagram showing the functional configuration of the server 20 constituting the account opening support system 1 of the first embodiment. As shown in FIG. 3, the server 20 performs the functions of a communication unit 201, a storage unit 202, and a control unit 203.

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

The memory unit 202 is composed of, for example, a memory 25 and a storage 26, and stores data and programs used by the server 20. The memory unit 202 stores a user information database 2021, an articles of incorporation information database 2022, etc.

The user information database 2021 is a database for holding various information about users who input information necessary for account opening in the account opening support system 1. Details will be described later.

The articles of incorporation information database 2022 is a database for storing various information related to articles of incorporation data that is referenced when opening a corporate account in the account opening support system 1. Details will be described later.

The control unit 203 is, for example, configured with a processor 29, which performs processing according to a program to provide the functions of various modules, including a reception control module 2031, a transmission control module 2032, a user information acquisition module 2033, an articles of incorporation data acquisition module 2034, an account opening application module 2035, and an examination result notification module 2036.

The reception control module 2031 controls the process in which the server 20 receives signals from external devices according to a communication protocol.

The transmission control module 2032 controls the process in which the server 20 transmits signals to external devices according to a communication protocol. The reception control module 2031 and the transmission control module 2032 provide the server 20 with the function of operating as a web server for external devices, including the terminal device 10, that access the server 20 via the network 80.

The user information acquisition module 2033 controls the process of acquiring various information about the user from the user who uses the account opening support system 1. The various information about the user is information necessary when the user uses the account opening support system 1, and includes, for example, information such as the user's ID, name, and articles of incorporation data. The user information acquisition module 2033 stores the acquired information about the user in the user information database 2021 and the articles of incorporation information database 2022.

The articles of incorporation data acquisition module 2034 controls the process of acquiring articles of incorporation data at the time of company establishment in the account opening support system 1. Specifically, the articles of incorporation data acquisition module 2034 acquires authenticated articles of incorporation data used at the time of application for company registration as information for opening a corporate account. For example, when the articles of incorporation data acquisition module 2034 accepts an operation for opening a corporate account from a user who wishes to open a corporate account, it refers to the articles of incorporation information database 2022 stored in the storage unit 202 and acquires the necessary information.
The control unit 203 of the server 20 transmits the acquired articles of incorporation data information to the account opening application module 2035.
At this time, information contained in the articles of incorporation data includes the business purpose, trade name, head office location, investment amount, minimum investment amount, name, address, etc. of the company to be established.

The account opening application module 2035 controls the process of applying to the financial institution's server 30 to open an account at a financial institution based on the acquired articles of incorporation data in the account opening support system 1. Specifically, the account opening application module 2035 executes the application process for opening an account at a financial institution based on the articles of incorporation data at the time of the user's application for corporate registration acquired from the articles of incorporation data acquisition module 2034. For example, the account opening application module 2035 applies for the opening of a corporate account by sending application data for opening a corporate account including information on the acquired articles of incorporation data to the financial institution's server 30.
At this time, the account opening application module 2035 may present one or more candidates of financial institutions to which the user can apply, based on the articles of incorporation data obtained at the time of the corporate registration application, and accept a selection from the user.

Next, the account opening application module 2035 issues an application instruction for an account opening review to the server 30 of the financial institution that has applied to open an account. Specifically, the account opening application module 2035 executes the application process for opening an account to the server 30 of the financial institution, and then issues an application instruction for an account opening review to the server.

The examination result notifying module 2036 controls the process of notifying the user of the result of the examination for opening an account transmitted from the financial institution's server 30. Specifically, after the account opening application module 2035 applies for an examination for opening an account to the financial institution's server 30, the examination result notifying module 2036 acquires the examination result from the financial institution and notifies the user's terminal device 10. At this time, for example, the control unit 180 of the terminal device 10 used by the user may notify the user of the result by displaying the examination result for opening a corporate account acquired from the examination result notifying module 2036 on the display 150, or the like.
Through the above series of processes, a user who wishes to open a corporate account can apply to open a corporate account even before the corporation is registered.

<2 Data Structure>
FIG. 4 is a diagram showing an example of the data structure of the user information database 2021 and the articles of incorporation information database 2022 stored in the server 20. As shown in FIG.

As shown in FIG. 4, each record in the user information database 2021 includes the items "User ID", "Name", "Age", "Gender", "Address", and "Notes", etc.

The "User ID" item is information that identifies each user managed by the account opening support system 1.

The "Name" item is information about the name of each user managed by the account opening support system 1.

The "Age" item is information about the age of each user managed by the account opening support system 1.

The "Gender" item is information about the gender of each user managed by the account opening support system 1.

The "Address" item is information about the address (place of residence) of each user managed by the account opening support system 1.

The "Notes" item is information that is stored if there are any special notes regarding a user managed by the account opening support system 1.

As shown in FIG. 4, each record in the articles of incorporation information database 2022 includes an item "information ID," an item "user," an item "business purpose," an item "trade name," an item "head office location," an item "investment amount," an item "remarks," etc.
In this disclosure, each piece of data stored in the articles of incorporation information database 2022 corresponds to the articles of incorporation items used at the time of the application for incorporation of the company. In addition, this data is certified electronic articles of incorporation data.

The "information ID" item indicates information that identifies the articles of incorporation data managed by the account opening support system 1.

The item "User" is information for identifying the user associated with each articles of incorporation data, and is the same as the item "User ID" in the user information database 2021.

The "Business Purpose" item is information about the business purpose of the corporation established by the user.

The "Trade name" item is information about the trade name of the corporation established by the user.

The "Head office location" item is information about the head office location of the corporation established by the user.

The "investment amount" item is information about the amount of investment in the corporation established by the user.

The item “Notes” is information that is held when there are special notes regarding the articles of incorporation data managed by the account opening support system 1.
The information held in the articles of incorporation information database is not limited to the above. Other information such as the minimum investment amount, name, and address may be included, but if these items are included in the electronic articles of incorporation data, they are preferably included in the articles of incorporation information database 2022.

<3 Operation>
A series of processes performed by the account opening support system 1 in the first embodiment will be described below with reference to FIG.

Figure 5 is a flowchart showing an example of processing related to opening a corporate account using the account opening support system 1 of embodiment 1.

In step S501, the control unit 203 of the server 20 accepts input of articles of incorporation data from a user and creates electronic articles of incorporation.
Specifically, for example, the control unit 203 of the server 20 accepts input of articles of incorporation data from a user, which is information necessary for creating electronic articles of incorporation required for company establishment, and executes a process for creating electronic articles of incorporation based on the accepted articles of incorporation data.
The control unit 203 of the server 20 may be provided with an articles of incorporation data creation module (not shown) or the like, and the above processing may be executed as a function of the module.

In step S502, the control unit 203 of the server 20 acquires the articles of incorporation data used at the time of the application for corporate registration. Specifically, the articles of incorporation data acquisition module 2034 acquires the articles of incorporation data used at the time of the application for registration of the corporation that the user wishes to establish in step S501 as information for opening a corporate account. For example, when the articles of incorporation data acquisition module 2034 receives an operation for opening a corporate account from a user who wishes to open a corporate account, it refers to the articles of incorporation information database 2022 stored in the storage unit 202 and acquires the necessary information.
The control unit 203 of the server 20 transmits the acquired articles of incorporation data information to the account opening application module 2035.
At this time, information contained in the articles of incorporation data includes the business purpose, trade name, head office location, investment amount, minimum investment amount, name, address, etc. of the company to be established.

In step S503, the control unit 203 of the server 20 applies to the financial institution's server 30 for opening an account at the financial institution based on the articles of incorporation data acquired in step S502. Specifically, the account opening application module 2035 executes an application process for opening an account at the financial institution based on the articles of incorporation data used by the user when applying for corporate registration acquired from the articles of incorporation data acquisition module 2034. For example, the account opening application module 2035 applies for opening a corporate account by sending application data for opening a corporate account including information on the acquired articles of incorporation data to the financial institution's server 30.
At this time, the account opening application module 2035 does not receive an application for opening a corporate account from a user and obtain the articles of incorporation data, but rather stores the data input by the user at the time of corporate registration application in the memory unit 202 or the like as temporary memory, and transmits the data to the financial institution server 30 in response to receiving instructions regarding the account opening application from the user.
This allows users to apply for a corporate account at the same time as applying for corporate registration.
At this time, the account opening application module 2035 may present one or more candidates of financial institutions to which the user can apply, based on the articles of incorporation data obtained at the time of the corporate registration application, and accept a selection from the user.

In step S504, the control unit 203 of the server 20 instructs the server 30 of the financial institution that applied for the account opening in step S503 to apply for an account opening review. Specifically, the account opening application module 2035 executes the application process for the account opening on the server 30 of the financial institution, and then instructs the server to apply for an account opening review.

In step S505, the control unit 203 of the server 20 obtains the results of the examination from the financial institution's server 30.

In step S506, the control unit 203 of the server 20 notifies the user of the results of the account opening examination transmitted from the financial institution's server 30 in step S505. Specifically, after the account opening application module 2035 applies for an account opening examination to the financial institution's server 30, the examination result notification module 2036 acquires the examination results from the financial institution and notifies the user's terminal device 10. At this time, for example, the control unit 180 of the terminal device 10 used by the user may notify the user of the results by displaying the corporate account opening examination results acquired from the examination result notification module 2036 on the display 150, etc.
Through the above series of processes, a user who wishes to open a corporate account can apply to open a corporate account even before the corporation is registered.
In addition, even before submitting an application for company establishment, users can complete the procedures for company establishment and the procedures for opening a corporate account in one go.

In one aspect, after the account opening is completed, the control unit 203 of the server 20 may register the account information as financial institution information in a memory unit of a computer that provides a specified accounting service.
This allows a user who wishes to open a corporate account to quickly register information about the opened account with the associated accounting service.

In one aspect, the control unit 203 of the server 20 may have a function of automatically creating or assisting in the creation of the following materials.
- Business explanation materials for review - Website of the corporation to be established Specifically, for example, the server 20 may store data such as the format that serves as the basis for the above-mentioned pre-explanation materials in the memory unit 202, and may execute a process of automatically inserting the acquired articles of incorporation data information into the corresponding portion of the format.
This allows the user to reduce the effort required to create various documents based on the articles of incorporation data.

<4 Screen example>
Hereinafter, examples of screens of the account opening support system 1 will be described with reference to FIGS.

Figure 6 shows an example of a screen for entering the necessary information to open a corporate account in the account opening support system 1.

As shown in FIG. 6, a status icon 601 and a details display screen 602 are displayed on the display 150 of the terminal device 10 .
In the status icon 601, the control unit 180 of the terminal device 10 displays the current status of the opening of a corporate account in the form of an icon. At this time, the icon of the status in which the user is currently performing input or the like may be displayed in a form different from other icons.
This allows the user to visually understand what status he or she is currently in.

In the details display screen 602, the control unit 180 of the terminal device 10 displays details of information required for the user to create the articles of incorporation and registration documents. Specifically, the control unit 180 of the terminal device 10 displays the following information in the details display screen 602:
・Information necessary for creating articles of incorporation and registration documents (corporate form/trade name, company address, etc.)
・An application button for whether or not a corporate account is desired to be opened in advance ・A screen transition button for proceeding to the next status The control unit 180 of the terminal device 10 may display a check mark icon or the like in the information items required for creating the articles of incorporation and registration documents. At this time, when input of the information items required for creating the articles of incorporation and registration documents is completed, the control unit 180 of the terminal device 10 may display the check mark icon or the like in a different color or the like.
This allows the user to visually grasp which required items have been input.
In one aspect, the control unit 180 of the terminal device 10 may store information necessary for creating the articles of incorporation and registration documents in advance in the memory unit 170 or the like, and read the information from the memory unit.
This allows users to easily establish a corporation and open an account.

In one aspect, the control unit 180 of the terminal device 10 may present a screen prompting the user to input information required to automatically create or assist in the creation of the following materials.
- Business explanation materials for screening - Website of the corporation to be established Specifically, for example, the control unit 180 may prompt the user to input the information below.
・Previous share, next share ・Corporate status ・Company name (kana company name, etc.)
・Name of position ・Name of representative ・Address (postal code, prefecture, city, town, etc.)
- Date of establishment - Fiscal year end - Email address - Business purpose - Business content, products handled - Head office location - Name of CEO - Number of employees - Capital - Mid-term and long-term business plans The control unit 180 may obtain the necessary information from data entered when creating the articles of incorporation and registration documents, rather than obtaining the above information by accepting direct input from the user. For example, the data such as the date of establishment may be obtained from information on the date and time that is determined after the registration procedure is completed.
In addition, the control unit 180 may prompt the user to input additional information required for creating the homepage, such as a message from the president, CSR information, and recruitment information.
At this time, the control unit 180 may present the user with a template that resembles the materials or homepage to be created, and prompt the user to input the necessary information.
This allows users to easily create business explanation materials for review, a homepage, etc., in parallel with entering articles of incorporation and registration information.

Figure 7 shows an example of a screen that is displayed when entering necessary information when creating electronic articles of incorporation in the account opening support system 1.

In FIG. 7, a status icon 701 and a details display screen 702 are displayed on the display 150 of the terminal device 10 .
In the status icon 701, the control unit 180 of the terminal device 10 displays the current status in the creation of the electronic articles of incorporation in the form of an icon. At this time, the icon showing the status in which the user is currently performing input, etc. may be displayed in a form different from other icons.

The control unit 180 of the terminal device 10 displays details of information necessary for the user to create the electronic articles of incorporation on the details display screen 702. Specifically, the control unit 180 of the terminal device 10 displays the following information on the details display screen 702:
- How to create articles of incorporation - Notary public office that will carry out the articles of incorporation certification procedure - Confirming the contents of the articles of incorporation - Selecting the expert to request to create electronic articles of incorporation - Status of electronic articles of incorporation request - Screen for selecting certification procedures at the notary public office - Screen for depositing capital contributions - Screen for attaching the deposit certificate - Screen for selecting the announcement method This allows users to create electronic articles of incorporation and open an account in the same process.

In addition, in the present disclosure, various information is stored in the memory unit 202 of the server 20, and the control unit of the server 20 executes various processes based on instructions from a user, but the embodiment of the present disclosure is not limited to this. That is, each of the various records of the user information database 2021 and the various records of the articles of incorporation information database 2022 may be stored in the memory unit 170 of the terminal device 10. When the terminal device 10 accepts various operations from the user, it may obtain the various information stored in the memory unit 170 and display related information for opening a corporate account on the display 150.

<Summary>
As described above, according to this embodiment, the server 20 acquires articles of incorporation data at the time of application for corporate registration. The server 20 then applies to the financial institution's server 30 for opening an account at the financial institution based on the acquired articles of incorporation data. The server 20 instructs the server 30 of the financial institution to apply for account opening to carry out an account opening review. The server 20 notifies the user of the results of the account opening review sent from the financial institution's server 30.
This allows a user to apply for opening a financial institution account using the articles of incorporation data submitted at the time of applying for corporate registration, even before the user has established the corporation.

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

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

(Appendix 1)
A program executed by a computer 20 having a processor 29, the program causing the processor 29 to execute the steps of: acquiring articles of incorporation data at the time of corporate registration application (S502); applying to a financial institution's server 30 to open an account at the financial institution based on the acquired articles of incorporation data (S503); instructing the server 30 of the financial institution to apply for an account opening review (S504); and notifying the user of the results of the account opening review sent from the financial institution's server 30 (S505, S506).

(Appendix 2)
The program described in Appendix 1 further causes the processor 29 to execute a step (S501) of accepting input of articles of incorporation data from a user, which is information necessary for creating electronic articles of incorporation required for company establishment, and a step (S501) of creating electronic articles of incorporation based on the accepted articles of incorporation data.

(Appendix 3)
The program described in Appendix 1 or 2, wherein the articles of incorporation data is at least one selected from the group consisting of the business purpose, trade name, head office location, investment amount, minimum investment amount, name, or address of the company to be established.

(Appendix 4)
A program as described in Appendix 1, in which, in a step (S503) of applying to the financial institution's server 30 to open an account at the financial institution, the program presents one or more candidates for financial institutions to which the user can apply based on the articles of incorporation data obtained at the time of corporate registration application, and accepts a selection from the user.

(Appendix 5)
The program described in Appendix 1 further causes the processor 29 to execute a step of registering the account information as financial institution information in the memory unit of a computer that provides the specified accounting service after the account opening is completed.

(Appendix 6)
A method executed by a computer 20 having a processor 29, the method comprising the steps of: acquiring articles of incorporation data at the time of corporate registration application (S502); applying to a financial institution's server 30 to open an account at the financial institution based on the acquired articles of incorporation data (S503); instructing the server 30 of the financial institution to which the application for account opening has been made to submit an application for an account opening review (S504); and notifying the user of the results of the account opening review sent from the financial institution's server 30 (S505, S506).

(Appendix 7)
The information processing device 20 includes a control unit 203,
The information processing device 20 executes the steps of: acquiring articles of incorporation data at the time of corporate registration application (S502); applying to open an account at a financial institution to a financial institution's server 30 based on the acquired articles of incorporation data (S503); instructing the server 30 of the financial institution to which the application for account opening has been made to undergo an account opening review (S504); and notifying the user of the results of the account opening review sent from the financial institution's server 30 (S505, S506).

10 terminal device, 20 server, 80 network, 130 operation reception unit, 150 display, 170 memory unit, 180 control unit, 1801 input operation reception unit, 1802 transmission/reception unit, 1803 data processing unit, 1804 notification control unit, 22 communication IF, 23 input/output IF, 25 memory, 26 storage, 29 processor, 201 communication unit, 202 memory unit, 2021 user information database, 2022 articles of incorporation information database, 203 control unit, 2031 reception control module, 2032 transmission control module, 2033 user information acquisition module, 2034 articles of incorporation data acquisition module, 2035 account opening application module, 2036 examination result notification module.

Claims (6)

A program executed by a computer having a processor,
The program causes the processor to:
obtaining articles of incorporation data at the time of application for corporation registration, the articles of incorporation data being obtained at the time of incorporation of a company before incorporation of the corporation is completed ;
submitting a reservation for opening an account at a financial institution to a server of the financial institution based on the acquired articles of incorporation data;
a step of instructing a server of the financial institution to which the reservation for opening the account has been made to apply for review of the reservation for opening the account;
and notifying the user of the results of the review of the account opening reservation transmitted from the server of the financial institution. The program further causes the processor to
A step of accepting input of articles of incorporation data from the user, which is information necessary for creating electronic articles of incorporation required for company establishment;
The program according to claim 1 , further comprising: a step of creating the electronic articles of incorporation based on the accepted articles of incorporation data. The program according to claim 1, wherein the articles of incorporation data is at least one selected from the group consisting of the business purpose, trade name, head office location, investment amount, minimum investment amount, name, and address of the company to be established, and does not include the company's corporate number and the date of incorporation of the company. The program further causes the processor to
2. The program according to claim 1, further comprising a step of registering the account information as financial institution information in a storage unit of a computer that provides a predetermined accounting service after the account opening is completed. 1. A method implemented by a computer having a processor, comprising:
The method further comprises the processor:
obtaining articles of incorporation data at the time of application for corporation registration, the articles of incorporation data being obtained at the time of incorporation of a company before incorporation of the corporation is completed ;
submitting a reservation for opening an account at a financial institution to a server of the financial institution based on the acquired articles of incorporation data;
a step of instructing a server of the financial institution to which the reservation for opening the account has been made to apply for review of the reservation for opening the account;
and notifying the user of the result of the review of the account opening reservation sent from the server of the financial institution. An information processing device including a control unit,
The control unit:
obtaining articles of incorporation data at the time of application for corporation registration, the articles of incorporation data being obtained at the time of incorporation of a company before incorporation of the corporation is completed ;
submitting a reservation for opening an account at a financial institution to a server of the financial institution based on the acquired articles of incorporation data;
a step of instructing a server of the financial institution to which the reservation for opening the account has been made to apply for review of the reservation for opening the account;
and notifying a user of the result of the review of the account opening reservation transmitted from the server of the financial institution.