JP2022115391A - Program, information processing device and method - Google Patents

Abstract

Kind Code: A1 A technology is provided that enables the use of a credit card to settle the usage fee for accounting services after applying for the use of the credit card.
A server 20 of an accounting system 1, as its functions, presents a credit card application screen to a user, accepts credit card use application information, and performs credit screening to determine whether the credit card application information can be used. a card usage application reception module 2036 for accepting a credit card, a usage fee payment module 2035 for storing usage fee information in a billing database 2022 and withholding payment if the applicant is a credit card applicant, and a card for accepting the results of credit screening. It has an examination status reception module 2037 and a charge payment module 2035 for settling the held (reserved) billing information when the examination result of the credit examination indicates that the credit card can be used.
[Selection drawing] Fig. 3

Description

The present disclosure relates to programs, information processing apparatuses, and methods.

2. Description of the Related Art Accounting services for performing accounting processing in companies and sole proprietors are provided as so-called SaaS (Software as a Service) as computer software or as Web services using cloud servers or the like. In addition, credit cards are increasingly being used as a means of settling usage fees (charging) for using such accounting services. This is because there is no need to carry out settlement procedures at a financial institution or the like.

In this way, there have been various proposals for techniques for accepting credit card usage applications within the service when the user does not have the necessary credit card when paying the so-called SaaS service usage fee with a credit card. is done. Patent Literature 1 discloses that a prepaid card that can be issued immediately without examination is issued, and the usage status of the prepaid card is evaluated to encourage customers with a certain level of evaluation to switch to a credit card. ing.

JP 2016-071657 A

By the way, since the usage fee for such services is settled by credit card, even if an application for use of a credit card is accepted, it will take several days for the credit card to be screened, including identity verification. It usually takes a long time. Therefore, the usage fee of the user who applied for the use of the credit card cannot be immediately settled by the credit card. As a result, the user has to settle the usage fee with other payment means until the credit card that he applied for becomes usable, which is a burden on the user.

Moreover, with the technique described in Patent Document 1, it takes time and effort to charge the prepaid card with money.

Therefore, in the present disclosure, it is possible to easily apply for the use of a credit card to settle the usage fee of the accounting service with a credit card, and to settle the usage fee of the accounting service after applying for the usage with the credit card. We will explain the technology to

According to one embodiment of the present disclosure, a program is provided for execution by a computer comprising a processor and memory to provide accounting services. The memory is configured to store billing information of a user who uses the accounting service and settlement information for settlement with a credit card. The program presents to the processor an application accepting means for accepting a credit card usage application to the user while the accounting service is being provided to the user who uses the accounting service; a step of accepting a credit card use application by a third party and conducting a credit examination to determine whether or not the credit card can be used; , a step of receiving the result of credit screening, and a step of generating payment information for settlement with a credit card, charging information for the use of the accounting service if the result of the credit screening indicates that the credit card can be used; run.

According to one embodiment of the present disclosure, an information processing device is provided that includes a control unit and a storage unit and provides accounting services. The storage unit is configured to store billing information of a user who uses the accounting service and settlement information for settlement with a credit card. The control unit presents an application accepting means for accepting an application for use of a credit card to the user while the accounting service is being provided to the user who uses the accounting service; a step of accepting an application for use of a card and conducting a credit examination as to whether or not the use of the credit card is possible; a step of storing in a memory billing information regarding the use of the bookkeeping service of the user who has accepted the application for use of the credit card; a step of receiving the result of credit screening; and a step of generating payment information for settlement with a credit card, billing information for the use of the accounting service if the result of the credit screening indicates that the credit card can be used. Run.

Also according to one embodiment of the present disclosure, a method for providing accounting services, executed by a computer comprising a processor and a memory, is provided. The memory is configured to store billing information of a user who uses the accounting service and settlement information for settlement with a credit card. The method includes the step of presenting an application accepting means for accepting an application for use of a credit card to the user while the processor is providing the accounting service to the user who uses the accounting service; a step of accepting a credit card use application by a third party and conducting a credit examination to determine whether or not the credit card can be used; , a step of receiving the result of credit screening, and a step of generating payment information for settlement with a credit card, charging information for the use of the accounting service if the result of the credit screening indicates that the credit card can be used; to run.

According to the present disclosure, the billing information of the user who accepted the credit card usage application is stored, and if the result of the credit examination is available, the billing information for the accounting service is stored with the credit card. Generate. As a result, it becomes possible to easily apply for the use of a credit card for settling the usage fee of the accounting service with the credit card, and to settle the usage fee of the accounting service after applying for the usage with the credit card.

1 is a diagram showing the overall configuration of an accounting system 1; FIG. 2 is a block diagram showing a functional configuration of terminal device 10 configuring accounting system 1 of Embodiment 1. FIG. 2 is a diagram showing a functional configuration of server 20 configuring accounting system 1 of Embodiment 1. FIG. 3 is a diagram showing an example of the data structure of a user database 2021 and a billing database 2022 stored by the server 20. FIG. It is a figure which shows the example of the data structure of the transaction database 2023 which the server 20 memorize|stores. 4 is a flow chart showing an example of the flow of credit card application acceptance processing by the accounting system 1 of Embodiment 1. FIG. 4 is a flow chart showing an example of a flow of payment processing for use fees of accounting services by the accounting system 1 of Embodiment 1. FIG. 4 is a flow chart showing an example of the flow of examination status display processing by the accounting system 1 of Embodiment 1. FIG. 4 is a flow chart showing an example of a flow of usage fee settlement processing by the accounting system 1 of Embodiment 1. FIG. 4 is a diagram showing an example of a credit card application screen displayed on the terminal device 10. FIG. FIG. 10 is a diagram showing an example of an examination status screen displayed on the terminal device 10. FIG. FIG. 10 is a diagram showing an example screen of examination results displayed on the terminal device 10. FIG. FIG. 10 is a diagram showing a functional configuration of a server 20 that constitutes accounting system 1 of Embodiment 2;

Hereinafter, embodiments of the present disclosure will be described with reference to the drawings. In the following description, the same parts are given the same reference numerals. Their names and functions are also the same. Therefore, a detailed description thereof will not be repeated.

<Overview>
An accounting system according to the present disclosure will be described below. This accounting system is a system for providing accounting processing services to companies and sole proprietors who are users who are business operators. Accounting processing performed by companies and sole proprietors is to manage transactions of deposits and withdrawals such as purchases, sales, and borrowings, and records transactions in books (journals, general ledger). , a trial balance is created as settlement processing at a predetermined accounting period, and a profit and loss statement and a balance sheet are created as financial statements. Also, a statement of accounts for tax processing may be created. The accounting system according to the present disclosure is a computer system that accepts inputs of deposit and withdrawal transactions such as purchases and sales, records them in a ledger, and supports preparation of trial balance sheets and financial statements. In addition, the accounting system according to the present disclosure is a system provided by so-called SaaS (Software as a Service) as a Web service, for example, by a cloud server or the like, and is configured to be accessible by a user who is a business operator by predetermined authentication. ing.

In such accounting services (not limited to accounting services), user registration (enrollment) with an affiliated credit card is encouraged, and usage charges are settled with the credit card. Credit card companies have the advantage of being able to secure a certain number of members, and service providers of the relevant accounting services have the advantage of being able to secure a certain number of users by making payments with credit cards. This is because there is an advantage in that the user who uses the accounting service can save the trouble of carrying out settlement procedures at a financial institution or the like.

By the way, since the usage fee for such accounting services is settled by credit card, even if an application for credit card use is accepted, it takes several days for credit card screening, including identity verification, and it takes a certain amount of time until it can be used. It usually takes a period of Therefore, it is not possible to immediately use the credit card to settle the usage fee for the accounting service of the user who has applied for the use of the credit card. As a result, the user is required to settle the usage fee of the accounting service with other payment means until the credit card that he applied for becomes usable, which is a burden on the user.

Therefore, the accounting system according to the present disclosure prompts the user to register for use of a credit card for paying the usage fee of the accounting service, accepts the credit card usage application, and settles the usage fee with the credit card. At that time, credit examination is performed to determine whether or not the credit card can be used, and the usage fee (charging information) for the use of the accounting service is stored in a memory to hold the payment until the examination result is received. If the result of the credit screening is that the credit card can be used, the billing information that has been retained is generated as settlement information (authorization information) for settlement with the credit card that has become available, and the credit card make payment with With such a configuration, it is possible to easily apply for the use of a credit card to settle the usage fee of the accounting service with a credit card, and to settle the usage fee of the accounting service after applying for the usage with the credit card. ing.

Furthermore, the accounting system according to the present disclosure allows the service to be used even in the state of application for use of a credit card, and at that time the credit examination status of the credit card is displayed. This allows the user to grasp the examination status, especially that personal identification will be performed.

<First embodiment>
The accounting system 1 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 information received from the server 20 .

<1 Overall configuration of accounting system 1>
FIG. 1 is a diagram showing the overall configuration of an accounting system 1. As shown in FIG. As shown in FIG. 1, the accounting system 1 includes a plurality of terminal devices (terminal device 10A and terminal device 10B are shown in FIG. 1; hereinafter collectively referred to as "terminal device 10"); It includes a server 20 and an external server 30 . The terminal device 10, the server 20, and the external server 30 are connected via a network 80 so as to be able to communicate with each other. Network 80 is configured by a wired or wireless network.

The terminal device 10 is a device operated by each user. Here, the user is a person who uses the terminal device 10 to record transactions, which are the functions of the accounting system 1, and to input a credit card application. A person in charge of the accounting department of a company, or a sole proprietor. The terminal device 10 is implemented by a stationary PC (Personal Computer), a laptop PC, or the like. In addition, the terminal device 10 may be, for example, a mobile terminal such as a tablet compatible with a mobile communication system or a smart phone.

The terminal device 10 is communicably connected to the server 20 via the network 80 . The terminal device 10 is a wireless base station 81 compatible with communication standards such as 4G, 5G, and LTE (Long Term Evolution), and a wireless LAN (Local Area Network) standard such as IEEE (Institute of Electrical and Electronics Engineers) 802.11. It is connected to the network 80 by communicating with a compatible communication device such as a wireless LAN router 82 . As shown as terminal device 10B in FIG.

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

The server 20 is a device that manages accounting data received from users, credit card application information by users, and billing data for accounting services. The server 20 prompts the user, who is the business operator, to register for use of a credit card for settling the usage fee of the accounting service, and accepts an application for use of the credit card. The server 20 transmits the credit card application information to the external server 30 to perform a credit examination to determine whether or not the service can be used. withhold payment. In addition, when the credit card can be used, the server 20 generates settlement information (authorization information) for settlement of the held billing information with the credit card that has become available.

Server 20 is a computer connected to 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 for the server 20 to communicate with an external device. The input/output IF 23 functions as an interface with an input device for receiving input operations from the user and an output device for presenting information to the user. The memory 25 temporarily stores programs and data processed by the programs, and is a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage 26 is a storage device for storing data, such as a flash memory or HDD (Hard Disc Drive). The processor 29 is hardware for executing an instruction set described in a program, and is composed of an arithmetic unit, registers, peripheral circuits, and the like.

The external server 30 is a device that accepts credit card usage applications, performs credit examination, notifies the examination result, receives payment information, and performs credit card payment. The external server 30 is a server device provided by a credit card company. When a credit card application is received, for example, the external server 30 inquires the credit information held by the external server 30 or the credit information of an external credit information agency, and the credit card is processed. The credit information of the user who applied for use is acquired, credit examination is performed, and the examination result is notified to the server 20. - 特許庁In addition, the external server 30 accepts user payment information and performs payment by credit card. External server 30 is a computer connected to network 80 .

<1.1 Configuration of terminal device 10>
FIG. 2 is a block diagram showing the functional configuration of the terminal device 10 that constitutes the accounting system 1 of Embodiment 1. As shown in FIG. 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, and an operation unit. It includes a reception unit 130 (including a keyboard 131 and a mouse 132 ), an audio processing unit 140 , a microphone 141 , a speaker 142 , a display 150 , a storage unit 160 and a control unit 170 . The terminal device 10 also has functions and configurations not particularly shown in FIG. 2 (for example, a battery for retaining power, a power supply circuit for controlling power supply from the battery to each circuit, etc.). 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 radiates a signal emitted by the terminal device 10 as radio waves. Antenna 111 also receives radio waves from space and provides a received signal to first wireless communication section 121 .

The antenna 112 radiates a signal emitted by the terminal device 10 as radio waves. Antenna 112 also receives radio waves from space and provides a received signal to second wireless communication section 122 .

The first wireless communication unit 121 performs modulation/demodulation processing and the like for transmitting and receiving signals via the antenna 111 in order for the terminal device 10 to communicate with other wireless devices. The second wireless communication unit 122 performs modulation/demodulation processing and the like for transmitting and receiving signals via the antenna 112 so that the terminal device 10 communicates with other wireless devices. The first radio communication unit 121 and the second radio 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 radio communication unit 121 and the second radio communication unit 122 perform modulation/demodulation and frequency conversion of radio signals transmitted/received by the terminal device 10 and give received signals to the control unit 170 .

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

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

The mouse 132 receives input operations of the user of the terminal device 10 . The mouse 132 is a pointing device for selecting a display object displayed on the display 150. The control unit 132 receives position information selected on the screen and information indicating that a button is pressed as input signals. 170.

The audio processing unit 140 modulates and demodulates an audio signal. Audio processing section 140 modulates the signal supplied from microphone 141 and supplies the modulated signal to control section 170 . Also, the audio processing unit 140 provides an audio signal to the speaker 142 . The audio processing unit 140 is implemented by, for example, a processor for audio processing. Microphone 141 receives a voice input and provides voice signal corresponding to the voice input to voice processing section 140 . The speaker 142 converts the audio signal provided from the audio processing unit 140 into audio and outputs the audio to the outside of the terminal device 10 .

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

The storage unit 160 is configured by, for example, a flash memory or the like, and stores data and programs used by the terminal device 10 . In one aspect, storage unit 160 stores user information 161 .

The user information 161 is information of a user who uses the terminal device 10 to register and update transaction status information, which is a function of the accounting system 1 . The user information includes information for identifying the user (user ID), the name of the user, organizational information such as the company to which the user belongs, and the like.

The control unit 170 reads a program stored in the storage unit 160 and executes instructions included in the program to control the operation of the terminal device 10 . The control unit 170 is, for example, an application installed in the terminal device 10 in advance. The control unit 170 functions as an input operation reception unit 171, a transmission/reception unit 172, a data processing unit 173, and a notification control unit 174 by operating according to a program.

The input operation reception unit 171 performs processing for receiving a user's input operation to the input device such as the keyboard 131 .

The transmission/reception unit 172 performs processing for the terminal device 10 to transmit/receive data to/from an external device such as the server 20 according to a communication protocol.

The data processing unit 173 performs processing according to a program to perform computation on data input by the terminal device 10, and outputs the computation result to a memory or the like.

The notification control unit 174 performs processing for presenting information to the user. The notification control unit 174 performs processing for displaying a display image on the display 150, processing for outputting audio from the speaker 142, and the like.

<1.2 Functional Configuration of Server 20>
FIG. 3 is a diagram showing the functional configuration of the server 20 that constitutes the accounting system 1 of Embodiment 1. As shown in FIG. As shown in FIG. 3 , the server 20 functions as a communication section 201 , a storage section 202 and a control section 203 .

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

The storage unit 202 stores data and programs used by the server 20 . The storage unit 202 stores a user database 2021, a billing database 2022, a transaction database 2023, and the like.

The user database 2021, which is a function of the accounting system 1, is a database for holding various information about users such as persons in charge of accounting departments of companies who use accounting services, or individual business owners. It is also a database for holding credit card application information by the user. Details will be described later.

The billing database 2022 is a database for holding usage fee information for billing services used by users in the billing system 1 . Details will be described later.

The transaction database 2023 is a database for holding various information related to daily transactions registered in the accounting system 1 . Details will be described later.

By the processor of the server 20 performing processing according to a program, the control unit 203 includes various modules such as a reception control module 2031, a transmission control module 2032, an accounting use application receiving module 2033, an accounting service providing module 2034, a usage fee settlement module 2035, The functions shown in the card use application reception module 2036 and the card examination status reception module 2037 are exhibited.

The reception control module 2031 controls processing for the server 20 to receive a signal from an external device according to a communication protocol.

The transmission control module 2032 controls the processing by which the server 20 transmits signals to external devices according to a communication protocol.

The accounting use application reception module 2033 guides a user who is going to use the accounting system 1 for the first time to register information for starting to use the accounting service provided by the accounting system 1, and accepts the registration input by the user. Controls the process of accepting information. The information registered to start using the accounting service is the information necessary to use the accounting service in the future (registration information at the time of starting use), and the user's business name (company name, sole proprietor name , store name, etc.), industry, number of employees, etc., information on accounts of financial institutions used for business, information on payment methods for usage fees for using the service, setting information on fiscal year, setting of starting balance Contains information. The accounting use application reception module 2033, for example, sequentially displays screens for receiving the input of these information on the display 150 of the terminal device 10, and guides the user to input necessary items in sequence.

The accounting use application reception module 2033 also registers transition information to a credit card application screen (application reception means) received by the card usage application reception module 2036, which will be described later, as information for starting the use of the accounting service. It controls the process of displaying on the display 150 of the terminal device 10 and presenting it to the user in the state (of which accounting service is being provided). For example, the accounting use application reception module 2033 prompts an application for a credit card that can be used in the accounting system 1 as information on the payment method for the usage fee for using the service, and a link that transitions to a credit card application screen. Display information. This credit card may be an affiliated credit card affiliated with the company that provides the accounting system 1 .

The accounting service providing module 2034 controls processing for providing accounting services, which is the purpose of the accounting system 1 . The accounting service provided by the accounting service providing module 2034 is, for example, managing transactions of deposits and withdrawals such as purchases, sales, and borrowings of users who are companies or sole proprietors. It is a service that supports recording (booking) in the general ledger), creating a trial balance as settlement processing at a predetermined accounting period, and creating profit and loss statements and balance sheets that are financial statements.

In addition, if the user is an applicant for a credit card accepted by the card use application acceptance module 2036 (described later), the accounting service provision module 2034 accepts the credit card application accepted by the card examination status acceptance module 2037 (described later). It controls the process of displaying the information on the examination status of the credit examination performed after the application on the display 150 of the terminal device 10 and presenting it to the user. Information on credit screening status includes, as described later, information indicating the status of the screening process, identity verification of the user who is the applicant (for example, confirmation that the content of the application is correct, confirmation that the applicant really works for the company that entered the application, etc.). information on confirmation of whether or not the applicant is satisfied, etc., and information on notifying the results of the examination. In addition, if the user has started using a credit card, the accounting service providing module 2034 checks the usage status of the credit card (billing amount, withdrawal date from the financial institution account, balance of use, credit limit, etc.). etc.) may be displayed on the display 150 of the terminal device 10 and presented to the user.

In addition, if the user is an applicant for a credit card accepted by the card use application acceptance module 2036 described later, the accounting service providing module 2034 restricts the use of some of the above accounting services. You may This is because, for example, if the result of the credit examination of the credit card is unusable, it may become difficult to collect the usage fee for using the service.

Note that the accounting service providing module 2034, like the accounting use application receiving module 2033, provides the accounting service by providing transition information to the credit card application screen (application receiving means) received by the card use application receiving module 2036, which will be described later. In this state, it may be displayed on the display 150 of the terminal device 10 and presented to the user. This is to enable a user who did not apply for a credit card when using the accounting system 1 to apply for a credit card while using the accounting service provided by the accounting service providing module 2034 .

The usage fee payment module 2035 calculates a usage fee (accounting information) for each user for using the accounting service provided by the accounting service providing module 2034, and controls the processing of making a payment. The usage fee settlement module 2035 settles the usage fee calculated for each user based on the usage fee settlement means for using the service received by the accounting usage application reception module 2033 . The usage fee is, for example, a monthly usage fee, and may be a fixed amount or a pay-as-you-go fee depending on the number of times of use.

If the user is an applicant for a credit card accepted by a card application acceptance module 2036 (to be described later), the usage charge payment module 2035 causes the charge database 2022 to store and hold usage charge information. and controls the process of withholding payments. The purpose of withholding the payment of the user is to make the payment with the credit card that is being applied for. Therefore, if the result of the credit examination received by the card examination status reception module 2037, which will be described later, is that the credit card can be used, the usage charge payment module 2035 can use the held (reserved) billing information. It generates payment information (authorization information) for payment with the credit card that has become a credit card, and controls the process of making payment with the credit card.

In addition, if the user has started using a credit card, the usage charge payment module 2035 performs accounting processing as information for paying the usage fee for using the accounting service with a credit card. For example, when settlement processing is performed, unpaid money is registered as a credit account, and when a credit card usage fee is debited, unpaid money is registered as a debit account and ordinary deposit is registered as a credit account.

The card use application reception module 2036 displays the credit card application screen (application reception means) for settling the usage fee of the accounting service displayed by the accounting use application reception module 2033 (or the accounting service provision module 2034) to the user. and controls the process of accepting credit card usage application information from the user. The credit card application screen is a format screen for inputting the information necessary to apply for credit card use. Information such as the user's individual name, and in the case of a corporate card, the business name, industry, sales, etc. This is a screen for accepting, and when the transition information (link information) displayed by the accounting use application accepting module 2033 (or the accounting service providing module 2034) is selected by clicking or the like, the screen is displayed on the display 150 of the terminal device 10. be. The card use application reception module 2036 may automatically acquire the information necessary for applying for credit card use from the registration information received by the accounting use application reception module 2033 at the start of use of the accounting service.

The card use application reception module 2036, upon receiving the credit card use application information, transmits the credit card application information to the external server 30, and controls the process of performing a credit examination to determine whether the card can be used. When a credit card company accepts a credit card application, it obtains the credit information of the user who applied for credit card use as described above, conducts a credit examination, and sends the examination result to the applicant who was able to use it. Since a credit card is issued and a predetermined usage limit is set, the card use application reception module 2036 transmits information on the credit card use application to the external server 30 .

In addition, after receiving the credit card usage application information, the card usage application reception module 2036 causes the transition to return to the information registration screen for starting the usage of the accounting service or the accounting service screen, which is the transition source. Alternatively, for example, a credit card application screen may be displayed as an information registration screen for starting use of the accounting service, or as a pop-up screen on the accounting service screen.

In addition, the card use application reception module 2036 is displayed on the information registration screen for starting the use of the accounting service displayed by the accounting use application reception module 2033, or on the accounting service screen displayed by the accounting service provision module 2034. , credit card use application information may be received from the user without screen transition.

The card examination status reception module 2037 controls the process of receiving information on the examination status of credit examination for the credit card application information transmitted to the external server 30 by the card use application reception module 2036 . The credit examination status information includes the information indicating the status of the examination as described above, the information regarding identity verification, and the information notifying the examination results after the examination is completed, and can be obtained by accessing the external server 30. Information. The card examination status reception module 2037 accesses the external server 30 periodically (for example, once a day), or receives periodic transmissions from the external server 30 (for example, by nighttime batch processing of date and time), Receives and acquires information on the examination status of credit examination.

In addition, when the card examination status reception module 2037 receives information for notifying the credit card examination result, the information may be displayed on the display 150 of the terminal device 10 as a pop-up or the like to be presented to the user, or may be notified by e-mail or the like. may This is because the information is important for the user as well. The credit card screening result is information about whether or not the credit card can be used, and if the credit card can be used, the amount of the predetermined credit limit that can be used is also included. At this time, information prompting registration of account information for making withdrawals from a financial institution account for use of a credit card may be notified.

<2 Data structure>
FIG. 4 is a diagram showing an example of the data structure of the user database 2021 and billing database 2022 stored by the server 20. As shown in FIG. FIG. 5 is a diagram showing an example of the data structure of the transaction database 2023 stored by the server 20. As shown in FIG.

As shown in FIG. 4, each record of the user database 2021 includes items such as the item "user ID", the item "name/corporation name", the item "industry", and the item "credit card application status".

The item "user ID" is information for identifying each user who receives accounting services using the accounting system 1. For example, an identification registered as information for identifying each business operator (corporation or individual business owner). Information.

The item “name/corporation name” is information such as the name of the business operator (corporation or sole proprietor) who is the user of the accounting system 1, the trade name, and the name of the individual. If an account is obtained for each department or business division in the same company, the name of the department or business division may be included.

The item "business type" is information indicating the business type of the business operator who is the user who uses the accounting system 1. For example, as shown in FIG. 4, business type names such as "service" and "software development" are stored. there is

The item "credit card application status" is information about the credit card use application status in the accounting system 1, and specifically includes the item "application", the item "examination status", and the item "date". . As for the item "examination status" and the item "date", a new record is generated each time the examination status is updated, and update information is stored therein.

The item "application" is information indicating whether or not an application for use of a credit card has been made in the accounting system 1. For example, as shown in FIG. In this case, "None" is stored.

The item "examination status" is information about the credit examination status of the credit card for the user who has applied for the use of the credit card in the accounting system 1. For example, as shown in FIG. It stores information indicating the status of card company transmission, identity verification, and so on.

The item "date" is the date when the credit examination status of the credit card for the user who applied for the use of the credit card in the accounting system 1 became the status shown in the item "examination status".

The accounting use application reception module 2033 of the server 20 adds a record to the user database 2021 as it receives the registration information at the time of starting use from a user who intends to newly use the accounting system 1 . In addition, the card examination status reception module 2037 adds a record to the item "examination status" and the item "date" upon receiving the information of the examination status.

Each record in the billing database 2022 includes the item “user ID”, the item “name/corporation name”, the item “industry”, the item “billing (payment) status”, and the like.

The item “user ID” is information for identifying each user who uses the accounting system 1 and receives accounting services. It corresponds to the item “user ID” of the user database 2021 .

The item “name/corporation name” is information such as the name of the business operator (corporation or sole proprietor) who is the user of the accounting system 1, the trade name, and the name of the individual. It corresponds to the item “name/corporation name” of the user database 2021 .

The item “business type” is information indicating the business type of the business operator who is the user who uses the accounting system 1 . It corresponds to the item “industry” of the user database 2021 .

The item "billing (payment) status" is information on the usage fee (billing information) for using the accounting service provided by the accounting system 1. Specifically, the item "month" and the item "payment status" are provided. , item "Amount", etc. Here, an example in which the monthly usage fee is fixed will be described.

The item "month" is information for identifying each month corresponding to monthly accounting service usage fees, and is stored in the format of "year (calendar year)/month", as shown in FIG. 4, for example.

The item "payment status" is information indicating the billing and payment status of the usage fee for the accounting service provided by the accounting system 1. For example, as shown in FIG. Information indicating the status such as "data creation" is stored. Here, the state of “pending” indicates that the user is an applicant for a credit card and the payment of the usage fee is being held by the usage fee payment module 2035 .

The accounting use application reception module 2033 of the server 20 adds a record to the accounting database 2022 as it receives registration information at the time of starting use from a user who intends to newly use the accounting system 1 . In addition, the usage fee payment module 2035 adds a record to the item “charging (payment) status” upon receiving the usage fee information of the accounting service.

As shown in FIG. 5, each of the records in the transaction database 2023 includes an item "user ID", an item "user name", an item "industry", an item "journal entry information", and the like.

The item “user ID” is information for identifying each user who uses the accounting system 1 and receives accounting services. It corresponds to the item “user ID” of the user database 2021 .

The item “name/corporation name” is information such as the name of the business operator (corporation or sole proprietor) who is the user of the accounting system 1, the trade name, and the name of the individual. It corresponds to the item “name/corporation name” of the user database 2021 .

The item “business type” is information indicating the business type of the business operator who is the user who uses the accounting system 1 . It corresponds to the item “name/corporation name” of the user database 2021 .

The item "journal entry information" is information on which transactions are recorded using the accounting system 1. Specifically, the item "date", the item "account item", and the item "debit (amount)". and the item "credit (amount)", etc.

The item “date” is information indicating the date of transaction entered in the accounting system 1 .

The item "account item ID" is information on the account item entered in the accounting system 1, and corresponds to the account item described in the summary column on the ledger.

The item “debit (amount)” is the amount recorded as the debit on the ledger of the transaction entered in the accounting system 1 .

The item “credit (amount)” is the amount of credit recorded in the ledger of the transaction entered in the accounting system 1 .

The accounting service providing module 2034 of the server 20 adds a record to the transaction database 2023 for each transaction (journal entry) as the transaction input is received using the accounting system 1 .

<3 Operation>
Below, referring to FIGS. 6 to 9, the credit card usage application reception processing, accounting service usage fee payment processing, examination status display processing, and usage fee payment processing by the accounting system 1 according to the first embodiment will be described. explain.

FIG. 6 is a flow chart showing an example of the flow of credit card use application acceptance processing by the accounting system 1 of the first embodiment.

In step S<b>111 , the input operation reception unit 171 of the terminal device 10 receives an access for performing user registration in order to start using the service of the accounting system 1 from the operator who is the user who registers the usage start information of the accounting system 1 . , and receives an input such as an e-mail address for authentication (temporary authentication). The transmission/reception unit 172 transmits the received mail address to the server 20 .

In step S<b>121 , the server 20 receives the transmitted authentication e-mail address via the communication unit 201 . The server 20 issues a URL for re-access to the accepted user's email address, accepts access again, confirms that the access is valid, performs authentication, and provides a login user ID and Issue a password. The server 20 transmits the login user ID and password to the terminal device 10 via the communication unit 201 .

In step S122, the accounting use application reception module 2033 of the server 20 instructs the terminal device 10 via the communication unit 201 to transition to the display information (input screen) that guides information registration for starting the use of the accounting service. to send. The accounting use application reception module 2033 sends the transition information (link information) to the credit card application screen (application reception means) in the registration guidance of the usage start information of the accounting service to the terminal device 10 via the communication unit 201. to send.

In step S112, the transmitting/receiving unit 172 of the terminal device 10 receives instruction information for displaying display information for guiding information registration for starting use of the accounting service, which is transmitted from the server 20. FIG. The notification control unit 174 causes the display 150 to display display information for guiding information registration for starting use of the accepted accounting service. Instruction information for displaying transition information to the credit card application screen (application reception means) is received. In addition, the notification control unit 174 causes the display 150 to display transition information to the accepted credit card application screen (application accepting means). The notification control unit 174 displays, as transition information, link information for transition to a credit card application screen, for example.

In step S113, the input operation reception unit 171 of the terminal device 10 responds to the link information for transitioning to the credit card application screen. accept instructions. Transmitting/receiving unit 172 transmits to server 20 selection instruction information for selecting the accepted credit card application.

In step S 123 , the accounting use application reception module 2033 of the server 20 receives the selection instruction information for selecting the credit card application transmitted from the terminal device 10 via the communication unit 201 .

In step S124, the card use application reception module 2036 of the server 20 sends the communication unit 201 to the terminal device 10 a transition instruction to display a credit card application screen (application reception means) for settling the usage fee of the accounting service. Send via.

In step S<b>114 , the transmitting/receiving unit 172 of the terminal device 10 receives transition instruction information for displaying a credit card application screen (application accepting means) transmitted from the server 20 . Notification control unit 174 causes display 150 to display the accepted credit card application screen (application accepting means).

In step S115, the input operation accepting unit 171 of the terminal device 10 accepts input information as the user uses the operation accepting unit 130 to make an input to the credit card application screen (application accepting means). The transmitting/receiving unit 172 transmits to the server 20 the input information on the accepted credit card application screen.

In step S<b>125 , the card use application reception module 2036 of the server 20 receives input information for the credit card application screen transmitted from the terminal device 10 via the communication unit 201 . The card use application acceptance module 2036 registers credit card application information in the user database 2021 .

In step S126, the card use application acceptance module 2036 of the server 20 transmits the credit card application information to the external server 30 from the input information on the credit card application screen accepted in step S125, and conducts a credit examination to determine whether the card can be used. let it happen The card use application acceptance module 2036 transmits information notifying completion of credit card application information registration to the terminal device 10 via the communication unit 201 .

In step S116, the transmitting/receiving unit 172 of the terminal device 10 receives the information transmitted from the server 20, notifying the completion of registration of the credit card application information. The notification control unit 174 causes the display 150 to display information for notifying the completion of the registration of the application information of the accepted credit card to notify the user.

As described above, the accounting system 1 displays the link information to the credit card application screen in the display for guiding the information registration for starting to use the accounting service. When the user selects the credit card application, the user selects the relevant link information, so that the user makes an input to the credit card application screen, accepts the credit card application, and registers the credit card application information. This encourages users to apply for a credit card, making it possible to easily apply for a credit card.

As mentioned above, the link information to the credit card application screen is displayed not only in the display that guides you to register information to start using the accounting service, but also in the state where the accounting service is provided. may

FIG. 7 is a flow chart showing an example of the flow of payment processing for using the accounting service by the accounting system 1 according to the first embodiment.

In step S221, the usage fee payment module 2035 of the server 20 calculates usage fees (accounting information) for using the accounting service provided by the accounting service providing module 2034 for each user. The usage fee payment module 2035 registers usage fee information for using accounting services in the charging database 2022 .

In step S222, the usage charge settlement module 2035 of the server 20 stores and retains the usage charge information in the billing database 2022 for the user who is applying for the credit card, and withholds without making the settlement.

FIG. 8 is a flow chart showing an example of the flow of examination status display processing by the accounting system 1 of the first embodiment.

In step S321, the card examination status reception module 2037 of the server 20 accesses the external server 30 and conducts credit examination for the credit card application information transmitted to the external server 30 in step S126 and subjected to credit examination to determine whether or not it can be used. to inquire about the review status of the application, and receive and acquire information on the review status. The card examination status reception module 2037 registers credit card examination status information in the user database 2021 .

In step S322, the card examination status reception module 2037 of the server 20 stores the credit card examination status information acquired in step S321 in the terminal device 10 while the accounting service provided by the accounting service providing module 2034 is being used. through the communication unit 201.

In step S<b>312 , the transmitting/receiving unit 172 of the terminal device 10 receives the credit card examination status information transmitted from the server 20 . The notification control unit 174 causes the display 150 to display the information on the examination status of the received credit card while using the accounting service.

FIG. 9 is a flow chart showing an example of the flow of usage charge settlement processing by the accounting system 1 of the first embodiment.

In step S421, the card examination status reception module 2037 of the server 20 accesses the external server 30 and conducts a credit examination for the credit card application information transmitted to the external server 30 in step S126 and subjected to credit examination to determine whether or not the card can be used. to inquire about the review status of the application, and receive and acquire information on the review status. At this time, the information on the examination status is the information on the examination result when the examination is completed. The card examination status reception module 2037 registers credit card examination status information in the user database 2021 .

In step S422, the card examination status reception module 2037 of the server 20 stores the credit card examination result information acquired in step S421 in the terminal device 10 while the accounting service provided by the accounting service providing module 2034 is being used. through the communication unit 201.

In step S<b>412 , the transmitting/receiving unit 172 of the terminal device 10 receives the credit card examination result information transmitted from the server 20 . The notification control unit 174 causes the display 150 to display information on the examination result of the accepted credit card while using the accounting service.

In step S423, if the credit card screening result obtained in step S421 indicates that the credit card can be used, the usage charge settlement module 2035 of the server 20 determines that the billing information reserved in step S222 can be used. Settlement information (authorization information) for settlement with a credit card is generated, and settlement is made with the credit card.

As described above, in the accounting system 1, the usage fee (billing information) for using the accounting service is stored in the memory until the credit examination is performed to determine whether the credit card can be used and the examination result is received. and withhold payment. If the result of the credit screening is that the credit card can be used, the billing information that has been retained is generated as settlement information (authorization information) for settlement with the credit card that has become available, and the credit card make payment with As a result, it is possible to settle the usage fee for the accounting service after applying for the usage with the credit card.

<4 Screen example>
Screen examples of registration processing of usage start information and registration processing of account items by the accounting system 1 will be described below with reference to FIGS. 10 to 12 .

FIG. 10 is a diagram showing an example of a credit card application screen displayed on the terminal device 10. As shown in FIG. The screen example of FIG. 10 shows an example of a screen in which a screen prompting a user to apply for a credit card is displayed on a screen for selecting a payment method for the usage fee in the information registration guidance for starting to use the accounting service. . This corresponds to step S113 in FIG.

As shown in FIG. 10, the display 150 of the terminal device 10 displays a settlement method selection screen 1031a for selecting a settlement method. The payment method selection screen 1031a guides one or a plurality of payment methods to be selectable. Payment method guidance fields 1031b and 1031c are provided as a plurality of payment methods. Buttons 1031d and 1031e are provided. In the example shown in FIG. 10, a payment method guidance column 1031c and radio buttons 1031e are provided as a display prompting the user to apply for credit card use. The user selects the radio button 1031e when applying for use of a credit card. After that, by pressing a decision button (not shown) for confirming the selection of the radio buttons 1031d and 1031e, a credit card application screen (application accepting means) is displayed, and credit card application information is input.

FIG. 11 is a diagram showing a screen example of the examination status displayed on the terminal device 10. As shown in FIG. The screen example of FIG. 11 shows an example of a screen in which information on the examination status of a credit card credit examination is displayed on the display screen of the accounting service provided by the accounting service providing module 2034 . This corresponds to step S312 in FIG.

As shown in FIG. 11, the display screen 1032a of the accounting service provided by the accounting service providing module 2034 is displayed on the display 150 of the terminal device 10, and the credit card status display field 1032b is displayed, for example, as a pop-up. It is The status display field 1032b is provided with an examination status display field 1032c for displaying the credit card examination status and a button 1032d for closing the status display field 1032b. In this way, by displaying the credit card examination status information while the accounting service is being displayed, it is possible to check the examination status at any time.

FIG. 12 is a diagram showing a screen example of examination results displayed on the terminal device 10. As shown in FIG. The screen example of FIG. 12 shows a screen example of a state in which information on the examination result of the credit examination of the credit card is displayed on the display screen of the accounting service provided by the accounting service providing module 2034 . This corresponds to step S412 in FIG.

As shown in FIG. 12, the display screen 1033a of the accounting service provided by the accounting service providing module 2034 is displayed on the display 150 of the terminal device 10, and the credit card status display field 1033b is displayed, for example, as a pop-up. It is In the status display field 1033b, an examination result display field 1033c for displaying the credit card examination result, a financial institution registration button 1033d for prompting registration of the financial institution for payment of the credit card that has become available, and a status display field 1033b. A button 1033e for closing is provided. In this way, by displaying the credit card screening result information while the accounting service is being displayed, the screening result can be checked at any time.

<Summary>
As described above, according to the present embodiment, link information to the credit card application screen is displayed in the display for guiding information registration for starting use of the accounting service. When the user selects the credit card application, the user selects the relevant link information, so that the user makes an input to the credit card application screen, accepts the credit card application, and registers the credit card application information. This encourages users to apply for a credit card, making it possible to easily apply for a credit card.

In addition, until credit examination is performed to determine whether a credit card can be used and the examination result is received, the usage fee (charging information) for the use of the accounting service is stored in a memory, and settlement is reserved. When the result of credit examination indicates that the credit card can be used, settlement information for settling the held charge information with the credit card that has become available is generated and settled with the credit card. As a result, it is possible to settle the usage fee for the accounting service after applying for the usage with the credit card.

Furthermore, by displaying the credit card examination status and examination result information while the accounting service is being displayed, the examination status and examination result can be immediately confirmed.

<Second Embodiment>
Other embodiments of the accounting system 1 will be described below.

<1 Overall configuration of accounting system 1>
FIG. 13 is a diagram showing the functional configuration of the server 20 that constitutes the accounting system 1 of Embodiment 2. As shown in FIG. The overall configuration of the accounting system 1 and the configuration of the terminal device 10 in the second embodiment are the same as those in the first embodiment, and will not be described repeatedly. The configuration of the server 20 is the same as that of the first embodiment, except that the function of the payment method reception module 2038 is newly provided as shown in FIG. The functions of the payment method reception module 2038 according to the second embodiment will be described below.

The settlement means reception module 2038 receives information on settlement means for settlement of the usage fee for the accounting service by means other than credit card when the result of credit screening in the credit card application is that the credit card cannot be used. controls the process of accepting input from This is because the application is made on the assumption that the usage fee for the accounting service will be settled with the credit card that was applied for, so if the credit card becomes unusable, it is necessary to have an alternative means of payment registered. Specifically, a screen as shown in FIG. 10 is displayed to prompt the user to select a payment method other than a credit card.

At this time, the accounting service providing module 2034 may restrict the use of some of the above accounting services until the user registers a payment method other than a credit card. This is because it may become difficult to collect the usage fee for using the service.

<2 Data structure>
The data structure in the second embodiment is the same as in the first embodiment, so it will not be described repeatedly.

<3 Operation>
Since the operation in the second embodiment is the same as that in the first embodiment, it will not be described repeatedly.

<4 Screen example>
A screen example in the second embodiment is the same as that in the first embodiment, so the description will not be repeated.

<Summary>
As described above, according to the present embodiment, when the credit card examination result indicates that the credit card cannot be used, the payment method information for paying the usage fee of the accounting service by a method other than the credit card. Accept input. As a result, the user can continue to receive accounting services.

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

<Appendix>
The items described in each of the above embodiments will be added below.

(Appendix 1) A program to be executed by a computer comprising a processor 29 and a memory 25 to provide an accounting service, wherein the memory 25 settles the billing information of the user who uses the accounting service with a credit card. The program instructs the processor 29 to accept an application for accepting a credit card usage application to the user while the accounting service is being provided to the user who uses the accounting service. a step of presenting the means (S123); a step of accepting a credit card use application from the user by the application accepting means and conducting a credit examination to determine whether the credit card can be used (S125); A step of storing billing information about the user's use of the accounting service in a memory (S126); a step of accepting the result of credit examination (S421); A program for executing a step (S423) of generating settlement information for settlement of billing information for use of an accounting service with a credit card.

(Appendix 2) When an application for credit card use is received from a user by the application receiving means, the process of requesting the billing information of the user using the accounting service from the user is suspended until the result of the credit examination is received. The program described in appendix 1).

(Appendix 3) When a credit card application is accepted from a user by the application acceptance means, the use of a part of accounting services is restricted for the user, (Appendix 1) or (Appendix 2) program as described.

(Appendix 4) The program further presents the user with transition information to the application accepting means for accepting credit card usage applications while the accounting service is being provided to the user who uses the accounting service ( Any one of (Appendix 1) to (Appendix 3), wherein S122) and step (S126) of transitioning to a state of providing accounting service when the user's application for use of the credit card is completed are executed. program.

(Appendix 5) The program further executes a step (S322) of presenting the status of credit examination to the user when the user who has accepted the credit card usage application uses the accounting service, from (Appendix 1) The program according to any one of (Appendix 4).

(Supplementary Note 6) The program according to (Supplementary Note 5), which presents to the user information regarding identity verification of the user performed in credit screening.

(Appendix 7) In addition, if the result of the credit screening is that the credit card cannot be used, the program will provide billing information for the use of the accounting service The program according to any one of (Appendix 1) to (Appendix 6), causing the step of receiving an input to be executed.

(Appendix 8) If the result of the credit screening is that the credit card cannot be used, the user will not be able to use the accounting service until the input of the payment method information for settlement of the billing information for the accounting service is received. The program according to (Appendix 7), which restricts the use of some of the services.

(Appendix 9) The program further presents the usage status of the credit card to the user who started using the credit card while the accounting service is being provided to the user who uses the accounting service. The program according to any one of (Appendix 1) to (Appendix 8), causing the steps to be executed.

(Appendix 10) The program according to any one of (Appendix 1) to (Appendix 9), further executing a step of registering the payment information as accounting data in an accounting service.

(Supplementary Note 11) Presenting an application accepting means for accepting a credit card usage application to a user who uses the accounting service in a state in which the user is registered to start using the accounting service, (Supplementary Note 1) to ( A program according to any one of Appendix 10).

(Supplementary Note 12) An information processing device for providing accounting services, comprising a control unit and a storage unit, wherein the storage unit stores accounting information of users who use the accounting services and settlement information for paying by credit card. is stored (2022), and the control unit presents an application accepting means for accepting an application for use of a credit card to the user while providing the accounting service to the user who uses the accounting service (2036) step; receiving a credit card use application from the user by the application receiving means, and performing a credit examination as to whether or not the credit card can be used (2036); (2035) step of storing billing information about the use of the service in memory; (2037) step of receiving the result of credit examination; (2037) step of generating payment information for paying the billing information for by credit card (2037).

(Appendix 13) A method for providing an accounting service executed by a computer comprising a processor 29 and a memory 25, wherein the memory 25 settles billing information of a user who uses the accounting service with a credit card. The method is configured to store payment information for the payment method, the processor 29 is providing the accounting service to the user who uses the accounting service, and the application acceptance for accepting the credit card usage application to the user a step of presenting the means (S123); a step of accepting a credit card use application from the user by the application accepting means and conducting a credit examination to determine whether the credit card can be used (S125); A step of storing billing information about the user's use of the accounting service in a memory (S126); a step of accepting the result of credit examination (S421); and a step of generating settlement information for settlement of billing information for use of the accounting service with a credit card (S423).

10 terminal device 20 server 80 network 130 operation reception unit 161 user information 22 communication IF 23 input/output IF 25 memory 26 storage 29 processor 201 communication unit 202 storage unit 2021 user database 2022 Billing database 2023 Transaction database 203 Control unit

Claims (13)

A program to be executed by a computer comprising a processor and a memory to provide an accounting service,
The memory is configured to store billing information of the user who uses the accounting service and settlement information for settlement with a credit card,
The program causes the processor to:
a step of presenting an application accepting means for accepting an application for use of the credit card to the user while the accounting service is being provided to the user who uses the accounting service;
a step of receiving an application for use of the credit card from the user by the application receiving means, and performing a credit examination as to whether or not the credit card can be used;
a step of storing, in the memory, billing information regarding the use of the accounting service by the user who has accepted the application for using the credit card;
a step of receiving a result of said credit examination;
and, if the result of the credit examination is that the credit card can be used, the step of generating billing information for the use of the accounting service and settlement information for settlement with the credit card is executed. When an application for use of the credit card is accepted from the user by the application accepting means, the process of charging the user for billing information of the user who uses the accounting service is suspended until the result of the credit examination is accepted. , a program according to claim 1. 3. The method according to claim 1 or 2, wherein when an application for use of said credit card is accepted from said user by said application accepting means, said user is restricted from using a part of said accounting services. program. The program further
a step of presenting transition information to an application accepting means for accepting an application for use of the credit card to the user while the accounting service is being provided to the user who uses the accounting service;
4. The program according to any one of claims 1 to 3, causing a step of transitioning to a state in which the accounting service is provided when the user completes the credit card usage application. The program further
5. The method according to any one of claims 1 to 4, wherein when the user who has accepted the application for using the credit card uses the accounting service, a step of presenting the status of the credit examination to the user is executed. program as described. 6. The program according to claim 5, which presents to said user information relating to identity verification of said user performed in said credit examination. The program further
a step of accepting input of information on payment means for settling billing information for use of the accounting service by a means other than the credit card when the result of the credit examination indicates that the credit card cannot be used; 7. The program according to any one of claims 1 to 6, to be executed. If the result of the credit examination is that the credit card cannot be used, the user will not be able to use the accounting service until the input of the settlement method information for settlement of the billing information for the use of the accounting service is received. 8. The program according to claim 7, which restricts use of some of the services. The program further
performing a step of presenting the usage status of the credit card to the user who has started using the credit card while the accounting service is being provided to the user who uses the accounting service; 9. The program according to any one of claims 1 to 8, which causes The program further
10. The program according to any one of claims 1 to 9, causing execution of a step of registering said payment information as accounting data in said accounting service. 1 to claim 1, wherein the user who uses the accounting service is presented with an application accepting means for accepting an application for using the credit card while the user who uses the accounting service is being registered to start using the accounting service. 11. The program according to any one of 10. An information processing device comprising a control unit and a storage unit and providing accounting services,
The storage unit is configured to store billing information of the user who uses the accounting service and settlement information for settlement with a credit card,
The control unit
a step of presenting an application accepting means for accepting an application for use of the credit card to the user while the accounting service is being provided to the user who uses the accounting service;
a step of receiving an application for use of the credit card from the user by the application receiving means, and performing a credit examination as to whether or not the credit card can be used;
a step of storing, in the memory, billing information regarding the use of the accounting service by the user who has accepted the application for using the credit card;
a step of receiving a result of said credit examination;
and, if the result of the credit examination indicates that the credit card can be used, the step of generating billing information for the use of the accounting service and settlement information for settlement with the credit card. Device. A method for providing an accounting service, executed by a computer comprising a processor and a memory, comprising:
The memory is configured to store billing information of users who use the accounting service and settlement information for settlement with a credit card,
The method comprises: the processor;
a step of presenting an application accepting means for accepting an application for use of the credit card to the user while the accounting service is being provided to the user who uses the accounting service;
a step of receiving an application for use of the credit card from the user by the application receiving means, and performing a credit examination as to whether or not the credit card can be used;
a step of storing, in the memory, billing information regarding the use of the accounting service by the user who has accepted the application for using the credit card;
a step of receiving a result of said credit examination;
and, if the result of the credit examination is that the credit card can be used, generating billing information for the use of the accounting service and settlement information for settlement with the credit card.

Images