Apparatus, system, and method of controlling display

Patent metadata

Field	Value
Publication number	US-12039152-B2
Application number	US-202217694680-A
Country	US
Kind code	B2
Filing date	Mar 15, 2022
Priority date	Mar 23, 2021
Publication date	Jul 16, 2024
Grant date	Jul 16, 2024

Abstract

An apparatus, system, and method, each of which: receives, from a user, condition information indicating a condition for determining a service to be provided to the user; selects, from among a plurality of forms of the user, one or more particular forms that meet the condition for determining a service, as a form to be used for applying the service; and controls a display to display a user interface, the user interface including future projection information of the user after provision of the service based on information on the particular forms.

First claim

The invention claimed is:

1. An apparatus, comprising:
circuitry configured to:
obtain business information of a tenant, using information identifying the tenant;
specify a financing service type which corresponds to a financing subject type;
determine, as a financing source candidate, a financing service corresponding to a business type of the business information from financing sources corresponding to the financing service type that has been specified;
select a service charge rate priority or a risk avoidance priority;
acquire service charge information and credibility information, based on whether the service charge rate priority or the risk avoidance priority is selected;
display candidates of a financing service company, including the financing source candidate, in a priority order according to whether the service charge rate priority or the risk avoidance priority is selected;
generate a cash budget screen indicating a future projection in a case where financing service is provided by a particular financing service, which is selected from the candidates of the financing service company being displayed;
receive, from a user terminal, condition information indicating a predetermined condition related to financing using a form corresponding to the particular financing service; and
control a display to display, on the user terminal, data of a cash budget screen indicating a status of future financing based on information of a specific form satisfying the predetermined condition.

2. The apparatus of claim 1 , wherein:
the information of the specific form includes time information indicating a time that payment is due, and
the circuitry is configured to obtain future projection information of the user for a specific time period that meets the predetermine condition, using one or more particular forms each having the time information indicating a payment due time that falls within the specific time period.

3. The apparatus of claim 2 , wherein:
the information of the specific form further includes amount information indicating an amount billed to another user, and
the circuitry is configured to obtain the future projection information of the user for the specific time period, using the amount information of the one or more particular forms each having the time information indicating the payment due time that falls within the specific time period.

4. The apparatus of claim 1 , wherein:
the circuitry is configured to receive a selection of one or more other forms different than the specific form,
obtain, using information on the one or more other forms, a difference between the future projection information having been displayed and a future projection information that is obtained based on the information on the one or more other forms, and
control the display to display the difference.

5. The apparatus of claim 3 , wherein the circuitry is further configured to:
calculate a cash balance for each of specific time periods based on a billing amount indicated by the amount information and the payment due time indicated by the time information on the one or more particular forms, and generates the future projection information based on the cash balance that is calculated for each of the specific time periods.

6. The apparatus of claim 5 , wherein the circuitry is further configured to:
calculate, using the information on the one or more particular forms, a difference between the cash balance and expense for each of specific time period, for the time period determined by the condition information, and generates the future projection information based on the difference between the cash balance and the expense.

7. The apparatus of claim 1 , wherein the condition information selects one of:
a first condition in which the specific form is selected so as to minimize the service charge rate in financing; and
a second condition in which the specific form is selected so as to select the forms billed to a particular business partner with low credibility.

8. The apparatus of claim 1 , wherein:
the specific form includes at least one of an invoice, order form, or quotation.

9. The apparatus according to claim 6 , wherein:
the control to display displays the future projection information in a graph format including, for each time period, income, the cash balance and the expense, along with a line graph indicating the difference between the cash balance and the expense.

10. A system comprising:
the apparatus of claim 1 ; and
a user terminal, operated by the user, and configured to receive the user interface from the apparatus and display the user interface on the display.

11. A system for controlling display, comprising:
a memory that stores information on a plurality of forms of a user; and
circuitry configured to
obtains business information of a tenant, using information identifying the tenant;
specify a financing service type which corresponds to a financing subject type;
determine, as a financing source candidate, a financing service corresponding to a business type of the business information from financing sources corresponding to the financing service type that has been specified;
select a service charge rate priority or a risk avoidance priority;
acquire service charge information and credibility information, based on whether the service charge rate priority or the risk avoidance priority is selected;
display candidates of a financing service company, including the financing source candidate, in a priority order according to whether the service charge rate priority or the risk avoidance priority is selected;
generate a cash budget screen indicating a future projection in a case where financing service is provided by a particular financing service, which is selected from the candidates of the financing service company being displayed;
receive, from a user terminal, condition information indicating a predetermined condition related to financing using a form corresponding to the particular financing service; and
display, on the user terminal, data of a cash budget screen indicating a status of future financing based on information of a specific form satisfying the predetermined condition.

12. A method of controlling display, comprising:
obtaining business information of a tenant, using information identifying the tenant;
specifying a financing service type which corresponds to a financing subject type;
determining, as a financing source candidate, a financing service corresponding to a business type of the business information from financing sources corresponding to the financing service type that has been specified;
selecting a service charge rate priority or a risk avoidance priority;
acquiring service charge information and credibility information, based on whether the service charge rate priority or the risk avoidance priority is selected;
displaying candidates of a financing service company, including the financing source candidate, in a priority order according to whether the service charge rate priority or the risk avoidance priority is selected;
generating a cash budget screen indicating a future projection in a case where financing service is provided by a particular financing service, which is selected from the candidates of the financing service company being displayed;
receiving, from a user terminal, condition information indicating a predetermined condition related to financing using a form corresponding to the particular financing service; and
controlling a display to display data of a cash budget screen indicating a status of future financing based on information of a specific form satisfying the predetermined

Assignees

• Murata Jun
• Jiang Xiaonan
• Kaji Katsuyuki
• Ricoh Co Ltd

Inventors

• Murata Jun
• Jiang Xiaonan
• Kaji Katsuyuki

Classifications

• G06F3/14

  Digital output to display device {; Cooperation and interconnection of the display device with other functional units} · CPC title

• G06Q40/03

  Credit; Loans; Processing thereof · CPC title

• G06Q30/018

  Certifying business or products · CPC title

• G06Q50/16

  Real estate · CPC title

• G06Q40/08

  Insurance · CPC title