Program, information processing method, and information processing system

Abstract

To provide a program, an information processing method, and an information processing system for assisting operations for settlement between a seller and a buyer.SOLUTION: A buyer places an order for a commodity or a service to a seller. The seller receives the order from the buyer and provides the commodity or the service to the buyer (S1). The seller requests a specified business operator for factoring. The specified business operator approves the factoring from the seller. The seller transfers a receivable to the specified business operator by factoring (S2). The specified business operator bills the buyer based on the receivable for providing the commodity or the service (S3). The buyer makes a request to use a credit card for the bill (S4). When a factoring business operator is identical with the specified business operator, the specified business operator assigns the receivable from the specified business operator to the seller (S5). The specified business operator requests a card company for authorization (S6).SELECTED DRAWING: Figure 7

Description

[Technical field]

[0001] The present invention relates to a program, an information processing method, and an information processing system. [Background technology]

[0002] In the prior art, it is described that "in an information processing system, an acquisition unit of an information processing device acquires invoice data. A display control unit controls the display of the acquired invoice data on a screen. The screen includes a first object for which factoring related to the invoice data can be requested. When the first object is selected, a transmission unit transmits invoice data related to the first object to a factoring system and requests factoring" (Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2022-173655 A Summary of the Invention [Problem to be solved by the invention]

[0004] In the case of a claim in a transaction between a seller and a buyer, if the buyer wishes to pay by credit card to a factoring company that has purchased the claim from the seller through factoring, the creditor and the credit card bill payment agency are the same. Therefore, a factoring company cannot become a pseudo affiliate of a credit card bill payment agency service while it holds the claim.

[0005] In view of the above circumstances, the present invention aims to provide a technique for assisting in settlement operations between sellers and buyers, for example, to provide sellers with the benefit of converting receivables into cash through factoring, and to provide buyers with the benefit of being able to make payments by credit card. [Means for solving the problem]

[0006] According to one aspect of the present invention, a program is provided. The program causes a computer to execute the following steps. The program is for a receivable in a transaction between a seller and a buyer. In a first management step, when it is accepted that factoring is applied to the receivable, the program manages the transfer of the receivable from the seller to a factoring business operator. Factoring is when the factoring business operator purchases the receivable from the seller, thereby transferring the receivable from the seller to the factoring business operator. In a second management step, when it is accepted from the buyer that a credit card bill payment agency service is applied, the program manages the buyer's payment of the receivable by credit card. The credit card bill payment agency service is a service that enables the buyer to pay the receivable by the buyer's credit card via a credit card bill payment agency. In a payment control step, when the factoring business operator and the credit card bill payment agency are the same business operator, the program starts a process of returning the receivable from the factoring business operator to the seller and executing payment by credit card.

[0007] According to the present disclosure, it is possible to provide a technology that assists in settlement operations between sellers and buyers. Also, for example, it is possible to provide a seller with the benefit of converting receivables into cash through factoring, and a buyer with the benefit of being able to make payments by credit card. [Brief description of the drawings]

[0008] [Figure 1] 1 is a diagram illustrating an example of a system configuration of an information processing system 1. [Diagram 2] 2 is a diagram illustrating an example of a hardware configuration of a business entity server device 2. FIG. [Diagram 3] FIG. 2 is a diagram illustrating an example of a hardware configuration of a card company server device 3. [Figure 4] FIG. 2 is a diagram illustrating an example of a hardware configuration of a seller device 4. [Diagram 5] FIG. 2 is a diagram showing an example of a hardware configuration of a buyer device 5. [Figure 6] 2 is an example of a block diagram showing functions realized by a processor 21 of the business entity server device 2. FIG. [Figure 7] FIG. 13 is an example of a sequence diagram illustrating the flow when a credit card-based invoice payment agency and a factoring company are the same company. [Figure 8] FIG. 13 is a diagram showing an example of a sequence diagram when a credit card-based invoice payment agency and a factoring company are different companies. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] [Embodiment] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described with reference to the drawings. Various characteristic features shown in the following embodiments can be combined with each other.

[0010] 1. Definitions Incidentally, the program for realizing the software appearing in this embodiment may be provided as a non-transitory computer-readable recording medium, or may be provided so as to be downloadable from an external server, or may be provided so that the program is started on an external computer and its functions are realized on a client device (so-called cloud computing).

[0011] In addition, in this embodiment, the term "unit" may include, for example, a combination of hardware resources implemented by a circuit in the broad sense and software information processing that can be specifically realized by these hardware resources. In addition, in this embodiment, various information is handled, and this information is represented, for example, by physical values ​​of signal values ​​representing voltage and current, high and low signal values ​​as a binary bit collection consisting of 0 or 1, or quantum superposition (so-called quantum bits), and communication and calculation can be performed on the circuit in the broad sense.

[0012] In addition, a circuit in the broad sense is a circuit realized by at least appropriately combining a circuit, circuitry, a processor, a memory, etc. In other words, it includes an application specific integrated circuit (ASIC), a programmable logic device (e.g., a simple programmable logic device (SPLD), a complex programmable logic device (CPLD), and a field programmable gate array (FPGA)), etc.

[0013] A "buyer" is an entity that receives goods or services from a seller by paying a price. A buyer is, for example, a business operator such as a company or a store.

[0014] A "seller" is an entity that provides goods or services to a buyer in exchange for payment. Sellers are, for example, businesses such as manufacturers, producers, and wholesalers.

[0015] "Factoring" is a service in which a business purchases receivables from a seller, and the receivables are then transferred from the seller to the factoring company. Through factoring, the seller can reliably obtain cash from the receivables, and can transfer risk and improve cash flow.

[0016] A "factoring business" is a business that provides factoring as a service.

[0017] "Three-party factoring" is a type of factoring that is carried out by agreement between the buyer, seller, and factoring company through a contract concluded between the three parties.

[0018] A "credit card bill payment agency service" is a service that enables a buyer to pay receivables with the buyer's credit card via a credit card bill payment agency. A credit card bill payment agency service is a service in which a pseudo credit card affiliate is placed between a seller who does not accept credit card payments and a buyer who wishes to pay by credit card, and the pseudo affiliate acts as an agent to receive credit card payments and deposit the payment to the seller. This allows the buyer to make card payments using a card they already have. The credit card bill payment agency service in this application is called BPSP for VISA, BPAP for MASTER, BBPS for JCB, BPP for American Express, BIPS for Diners Club, etc.

[0019] A "credit card invoice payment agency" is a business that provides a credit card invoice payment agency service.

[0020] 2. System configuration of information processing system 1 First, the system configuration of an information processing system 1 according to the present embodiment will be described with reference to FIG.

[0021] FIG. 1 is a diagram showing an example of the system configuration of an information processing system 1. As shown in FIG. 1, the information processing system 1 has a business server device 2, a card company server device 3, a seller device 4, a buyer device 5, and a network N. The business server device 2, the card company server device 3, the seller device 4, and the buyer device 5 are configured to be able to communicate with each other via the network N. As a result, the business server device 2, the card company server device 3, the seller device 4, and the buyer device 5 can transmit or receive various information to each other. Note that the business server device 2, the card company server device 3, the seller device 4, and the buyer device 5 are examples of information processing devices and are not limited to this embodiment. The seller device 4 and the buyer device 5 may be any of a PC (Personal Computer), a tablet computer, a smartphone, etc. Note that there may be a plurality of business server devices 2, card company server devices 3, seller devices 4, and buyer devices 5. Here, the system exemplified by the information processing system 1 is composed of one or more devices or components. Therefore, the business server device 2, the card company server device 3, the seller device 4, and the buyer device 5 are included in the system exemplified as the information processing system 1 even when they are individually provided.

[0022] 3. Hardware Configuration Next, the hardware configurations of the business entity server device 2, the card company server device 3, the seller device 4, and the buyer device 5 of this embodiment will be described with reference to FIGS.

[0023] 3.1. Hardware configuration of the business server device 2 FIG. 2 is a diagram showing an example of the hardware configuration of the business operator server device 2. As shown in FIG. 2, the business operator server device 2 includes a processor 21, a storage unit 22, and a communication unit 23, and these components are electrically connected via a communication bus inside the business operator server device 2. The business operator server device 2 executes the process according to the embodiment. The business operator server device 2 may be composed of a single server or may be composed of multiple servers. The business operator server device 2 is used by a specified business operator that is a factoring business operator and a credit card-based invoice payment agent business operator.

[0024] The processor 21 processes and controls the overall operations related to the business server device 2. The processor 21 is, for example, a central processing unit (CPU). The processor 21 reads out a predetermined program stored in the storage unit 22 and executes processing based on the program, thereby realizing various functions related to the business server device 2, for example, the processing shown in FIG. 7 described later. The processor 21 is not limited to being single, and may be implemented with multiple processors 21 for each function. Also, a combination of these may be used.

[0025] The storage unit 22 stores various information defined by the above description. This can be implemented, for example, as a storage device such as a solid state drive (SSD) that stores various programs and the like related to the business server device 2 executed by the processor 21, and as a memory such as a random access memory (RAM) that stores temporarily required information (arguments, arrays, etc.) related to the program calculations. The storage unit 22 stores various programs and variables related to the business server device 2 executed by the processor 21, and data and the like used when the processor 21 executes processing based on the programs. The storage unit 22 is an example of a storage medium.

[0026] The communication unit 23 is preferably a wired communication means such as USB, IEEE1394, Thunderbolt (registered trademark), wired LAN network communication, etc., but may also include wireless LAN network communication, mobile communication such as LTE / 3G / 4G / 5G, BLUETOOTH (registered trademark) communication, etc. as necessary. In other words, it is more preferable to implement it as a collection of multiple communication means. In other words, the business server device 2 may communicate various information from the outside via the communication unit 23.

[0027] 3.2. Hardware configuration of the card company server device 3 FIG. 3 is a diagram showing an example of a hardware configuration of the card company server device 3. As shown in FIG. 3, the card company server device 3 includes a processor 31, a storage unit 32, and a communication unit 33, and these components are electrically connected via a communication bus inside the card company server device 3. The card company server device 3 executes the process according to the embodiment. For the processor 31, the storage unit 32, and the communication unit 33 of the card company server device 3, please refer to the processor 21, the storage unit 22, and the communication unit 23 of the business server device 2. The card company server device 3 may be composed of a single server or may be composed of multiple servers. In addition, the card company server device 3 may be configured in the same server as the business server device 2. The card company server device 3 is a server managed by the card company.

[0028] 3.3. Hardware Configuration of Seller Device 4 Fig. 4 is a diagram showing an example of a hardware configuration of the seller device 4. As shown in Fig. 4, the seller device 4 has a processor 41, a storage unit 42, a communication unit 43, an input unit 44, and an output unit 45, and these components are electrically connected inside the seller device 4 via a communication bus. The seller device 4 executes the process according to the embodiment. For the processor 41, the storage unit 42, and the communication unit 43 of the seller device 4, please refer to the processor 21, the storage unit 22, and the communication unit 23 of the business server device 2. The seller device 4 is used by a seller.

[0029] The input unit 44 may be included in the housing of the seller device 4 or may be externally attached. For example, the input unit 44 may be implemented as a touch panel integrated with the output unit 45. The touch panel allows the user to input tapping, swiping, and the like. Of course, a switch button, a mouse, a QWERTY keyboard, and the like may be used instead of the touch panel. That is, the input unit 44 accepts an input based on an operation performed by the user. The input is transferred as a command signal to the processor 41 via a communication bus, and the processor 41 can execute a predetermined control or calculation as necessary.

[0030] The output unit 45 can function as a display unit of the seller device 4. The output unit 45 may be included in the housing of the seller device 4 or may be externally attached. The output unit 45 displays a screen of a graphical user interface (GUI) that can be operated by a user. This is preferably implemented by using display devices such as a CRT display, a liquid crystal display, an organic EL display, and a plasma display depending on the type of the seller device 4.

[0031] 3.4. Hardware Configuration of Buyer Device 5 FIG. 5 is a diagram showing an example of the hardware configuration of the buyer device 5. As shown in FIG. 5, the buyer device 5 has a processor 51, a memory unit 52, a communication unit 53, an input unit 54, and an output unit 55, and these components are electrically connected inside the buyer device 5 via a communication bus. The buyer device 5 executes the process according to the embodiment. For the processor 51, the memory unit 52, and the communication unit 53 of the buyer device 5, please refer to the processor 21, the memory unit 22, and the communication unit 23 of the business server device 2. For the input unit 54 and the output unit 55 of the buyer device 5, please refer to the input unit 44 and the output unit 45 of the seller device 4. The buyer device 5 is used by a buyer.

[0032] 4. Functional configuration of processor 21 In this section, the functional configuration of this embodiment will be described with reference to Fig. 6. Fig. 6 is an example of a block diagram showing functions realized by the processor 21 of the business operator server device 2. The processor 21 of the business operator server device 2, which is an example of the information processing system 1, includes an information transmitting / receiving unit 210, a first management unit 211, a second management unit 212, a payment control unit 213, and a display control unit 214. As described above, information processing by software stored in the storage unit 22 is specifically realized by the processor 21, which is an example of hardware, and can be executed as each functional unit included in the processor 21.

[0033] The information transmitting / receiving unit 210 is configured to accept, receive, or acquire various information from other devices via the network N and the communication unit 23. In addition, the information transmitting / receiving unit 210 is configured to transmit or output various information to other devices via the communication unit 23 and the network N.

[0034] The first management unit 211 manages the transfer of creditors based on factoring.

[0035] The second management unit 212 manages the transfer of creditors based on the credit card bill payment service.

[0036] The payment control unit 213 controls payments when factoring and a credit card-based bill payment agency service are carried out for a certain receivable.

[0037] The display control unit 214 is configured to control screen data to be displayed on the output units 45 and 55 of each information processing device. Note that the screen data may be visual information itself such as a screen, an image, an icon, text, etc., generated in a manner that is visible to the user, or may be rendering information for displaying visual information such as a screen, an image, an icon, text, etc. on various terminals.

[0038] The information transmitting / receiving unit 210, the first management unit 211, the second management unit 212, the payment control unit 213, and the display control unit 214 will be described in detail later.

[0039] 5. Operational flow of information processing system 1 An example of a preferable information process executed by the information processing system 1 of this embodiment will be described.

[0040] In this specification, various information transmitted and received via the network N, communication unit 23, communication unit 33, communication unit 43, or communication unit 53 is stored in the memory unit 22, memory unit 32, memory unit 42, or memory unit 52. It is assumed that the information is stored in a memory unit within the device having the communication unit that was used. For example, when communication unit 23 is used, the transmitted and received information is stored in the memory unit 22.

[0041] In this specification, the network N, the communication unit 23, the communication unit 33, the communication unit 43, the communication unit 53, the input unit 44, and the information processing related to the input unit 54 may be omitted. For example, the processor 41 receiving a predetermined input through a user's operation on the input unit 44 may be simply described as the processor 41 receiving a predetermined input from the user. The processor 51 receiving a predetermined input through a user's operation on the input unit 54 may be simply described as the processor 51 receiving a predetermined input from the user. In addition, the processor 21 (or the information transmission / reception unit 210) transmitting and receiving information to and from the seller device 4 through the communication unit 23, the network N, and the communication unit 43 may be simply described as the processor 21 (or the information transmission / reception unit 210) transmitting information to the seller device 4, or simply the processor 21 (or the information transmission / reception unit 210) receiving information from the seller device 4. Similarly, the information processing between the business server device 2 and the card company server device 3, and the information processing between the card company server device 3 and the buyer device 5 may also be omitted.

[0042] Figure 7 is an example of a sequence diagram that explains the flow when the credit card bill payment service provider and the factoring company are the same. The flow including the information processing in this sequence diagram is carried out for the receivables of a transaction established between a seller and a buyer.

[0043] It should be noted that the specified business in FIG. 7 is a business that provides credit card bill payment agency services and also provides factoring services.

[0044] In addition, the factoring in this embodiment is a three-party factoring that is carried out by an agreement between the buyer, the seller, and the factoring company. The agreement includes a clause agreeing to transfer the creditor of the claim from the specified company back to the seller when the seller uses the factoring service and the buyer uses a credit card bill payment agency service.

[0045] (Step S1) The buyer places an order for goods or services with the seller. The seller accepts the order from the buyer and provides the goods or services to the buyer. The information processing of step S1 is performed as follows. For example, the processor 51 of the buyer's device 5 receives an input of an instruction to order goods or services from the buyer. The processor 51 transmits the instruction to order goods or services to the seller's device 4. The processor 41 of the seller's device 4 receives the instruction to order goods or services from the buyer's device 5. In response to the instruction to order goods or services, the processor 41 causes the output unit 45 to display information related to the order. Note that the processing of step S1 does not need to be executed via a processor, and may be omitted as it is not important to the present invention.

[0046] (Step S2) The seller requests factoring from a specified business. The specified business accepts the factoring from the seller. The seller transfers the receivables to the specified business through factoring. In step S2, information processing is performed as follows. For example, the processor 41 of the seller device 4 accepts from the seller that factoring will be applied to the receivable. The processor 41 transmits to the business server device 2 that factoring will be applied to the receivable. When the first management unit 211 of the business server device 2 accepts from the seller device 4 that factoring will be applied to the receivable, the first management unit 211 transfers the receivable from the seller to a specific business and manages it. Specifically, for example, when the first management unit 211 accepts that factoring will be applied to the receivable, the first management unit 211 stores in the storage unit 22 that the creditor has been transferred from the seller to the specific business. Thereafter, the first management unit 211 advances information processing to the processing exemplified in step S3. In addition, during the period from the subsequent information processing until the receivable is returned to the seller again in step S5, the display control unit 214 may display on the output unit 45 of the seller device 4 or the output unit 55 of the buyer device 5 that the creditor is a specific business in response to a request from the seller device 4 or the buyer device 5.

[0047] (Step S3) A specified business operator makes a claim against a buyer based on its claim for the provision of goods or services. In step S3, information processing is performed as follows. For example, the information transmitting / receiving unit 210 of the business operator's server device 2 transmits invoice data to the buyer's device 5 in response to receiving from the seller's device 4 a request to apply factoring to a receivable. The invoice data is invoice data for billing the buyer for the provision of goods or services. The processor 51 of the buyer's device 5 receives the invoice data from the business operator's server device 2.

[0048] (Step S4) The buyer wishes to use a credit card for billing. In step S4, information processing is performed as follows. For example, the processor 51 of the buyer's device 5 accepts, from the buyer, credit card payment information for a claim on the invoice data. The credit card payment information includes an instruction to pay the claim with the buyer's credit card, and information identifying the buyer's credit card (card number, card name, expiration date, security code). The processor 51 transmits the credit card payment information to the business operator's server device 2. When the second management unit 212 of the business operator's server device 2 accepts from the buyer that the credit card-based invoice payment agency service is applied, it manages the buyer's payment of the claim with a credit card. Specifically, for example, the second management unit 212 stores in the memory unit 22 that the claim will be paid with a credit card. The second management unit 212 also executes information processing related to step S5.

[0049] (Step S5) The specified business operator will transfer the claim from the specified business operator back to the seller. In step S5, information processing is performed as follows: For example, when the payment control unit 213 of the business server device 2 accepts that the buyer will pay the receivable by credit card, and the factoring business and the credit card-based invoice payment agency are the same business, the payment control unit 213 returns the receivable from the factoring business to the seller, and initiates processing for making the payment by credit card in step S6.

[0050] (Step S6) The specified business entity requests authorization from the card company. The card company that receives the authorization request checks whether the buyer's credit card is valid and whether the credit limit has been reached, and reserves the credit card's credit limit. In step S6, information processing is performed as follows. For example, when the second management unit 212 receives a request from the buyer to apply for a credit card-based bill payment agency service to a specific business, it generates request information. The request information is information requesting approval to use the credit card from the card company. The information transmitting / receiving unit 210 transmits the request information to the card company server device 3. In response to receiving the request information, the processor 31 of the card company server device 3 authorizes the buyer's credit card. Depending on the result of the authorization, the processor 31 rejects or approves payment by the buyer's credit card.

[0051] (In case of refusal) If the processor 31 determines that the buyer's credit card cannot be used through authorization, it transmits to the business server device 2 a notice that the buyer's credit card payment has been rejected. If the second management unit 212 receives that the buyer's credit card payment has been rejected, it manages the credit card bill payment agency service as not being executed. In this case, the second management unit 212 manages the receivable as being reassigned from the seller to the specified business. Also, if the second management unit 212 receives that the buyer's credit card payment has been rejected, it notifies the buyer device 5 that the credit card bill payment agency service is not available. The buyer then makes payment for the receivable by using a different settlement method. For example, if the buyer uses another credit card, the information processing system 1 proceeds to step S4 again, and if the buyer does not use the credit card, it ends the information processing.

[0052] (If approved) When the processor 31 has secured the credit card credit limit of the buyer through authorization, it transmits a notification that the payment by the buyer's credit card has been approved to the business entity's server device 2. When the second management unit 212 receives the notification that the payment by the buyer's credit card has been approved, it waits until the first timing at which steps S7 and S8 are executed.

[0053] (Step S7) The specified business operator will deposit the amount associated with the receivable into the seller's bank account on the last day of the month in which the transaction took place. In step S7, information processing is performed as follows. For example, when a first timing arrives (e.g., the last day of the month in which a transaction occurs), the payment control unit 213 of the business operator server device 2 executes processing to deposit the amount linked to the receivable into the seller's bank account. At this time, the payment control unit 213 executes processing to deposit based on information identifying the seller's bank account. The information identifying the bank account includes information such as the name of the financial institution, the branch name, the account type (current or ordinary), and the account number. When processing to deposit has been executed, the display control unit 214 causes the output unit 45 of the seller device 4 to display that processing to deposit into the seller device 4 has been executed.

[0054] (Step S8) The specified business operator will process the sales linked to the receivables to the card company on the last day of the month in which the transaction occurred. In step S8, information processing is performed as follows. For example, when a first timing arrives (e.g., the last day of the month in which a transaction occurs), the payment control unit 213 of the business operator's server device 2 transmits payment information for that month to the card company's server device 3. The processor 31 of the card company's server device 3 accepts the payment information for that month from the business operator's server device 2. The payment information includes at least information on the card user, information on the amount used, and information on the date and time the card was used.

[0055] (Step S9) The card company will make the payment to the specified business at the end of the month following the month in which the transaction occurred. In step S9, information processing is performed as follows. For example, when the second timing arrives (for example, the end of the month following the month in which the transaction occurred), processor 31 of card company server device 3 executes processing to deposit an amount into the bank account of the specified business based on the payment information. At this time, processor 31 executes processing to deposit based on information identifying the bank account of the specified business. When processing to deposit has been executed, processor 31 transmits a message to that effect to business server device 2. Information transmitting / receiving unit 210 of business server device 2 receives the message from card company server device 3.

[0056] (Step S10) The buyer deposits the amount associated with the receivable and the card fee to the card company at the end of the month following the month in which the transaction occurred. In step S10, information processing is performed as follows. For example, processor 51 of buyer device 5 executes processing to deposit money into the card company's bank account. When the processing of the deposit has been executed, processor 51 transmits a message to card company server device 3 indicating that the deposit has been executed. Processor 31 of card company server device 3 receives the message from buyer device 5 indicating that the deposit has been executed. When the deposit from the buyer has been completed, display control unit 214 of business server device 2 may cause seller device 4 to display a message indicating that the creditor has been transferred.

[0057] According to this embodiment, it is possible to provide a technology that assists in settlement operations between sellers and buyers. In addition, for example, it is possible to provide the seller with the benefit of converting receivables into cash through factoring, and the buyer with the benefit of being able to pay by credit card.

[0058] [Comparative Example] Figure 8 is a diagram showing an example of a sequence diagram when the credit card bill payment service provider and the factoring company are different. In the flow of the sequence diagram shown in Figure 8, since the credit card bill payment service provider and the factoring company are different, there is no step equivalent to step S5 in the sequence diagram of Figure 7.

[0059] In step S101, a buyer places an order for a product or service with a seller. The seller receives the order from the buyer and provides the product or service to the buyer. Step S101 corresponds to step S1 in FIG. In step S102, the seller requests factoring from the factoring company. The factoring company approves the factoring from the seller. The seller transfers the receivables to the factoring company through the factoring. Step S102 corresponds to step S2 in FIG. 7. In step S103, the factoring company bills the buyer based on the receivable for the provision of goods or services. Step S103 corresponds to step S3 in FIG. In step S104, the buyer wishes to use a credit card for billing. Step S104 corresponds to step S4 in FIG. In step S105, the credit card bill payment service provider requests authorization from the card company. The card company that receives the authorization request checks whether the buyer's credit card is valid, whether the credit limit has been reached, etc., and reserves the credit card's credit limit. Step S105 corresponds to step S6 in Figure 7. In step S106, the credit card bill payment service provider deposits the amount associated with the receivable into the seller's bank account on the last day of the month in which the transaction occurred. Step S106 corresponds to step S7 in FIG. In step S107, the credit card bill payment service provider processes the sales linked to the receivable with the card company on the last day of the month in which the transaction occurred. Step S107 corresponds to step S8 in FIG. In step S108, the card company makes a payment to the specified business at the end of the month following the month in which the transaction occurred. Step S108 corresponds to step S9 in FIG. In step S109, the buyer deposits the amount associated with the credit and the card fee to the card company at the end of the month following the month in which the transaction occurred. Step S109 corresponds to step S10 in FIG.

[0060] [others] The program is a program that causes one or more computers to execute the following steps. The information processing system 1 includes one or more computers that execute the program. With respect to the information processing system 1 according to the above-described embodiment, the program may cause a computer to function as the processor 21 of the information processing system 1. Also, the program may be an information processing method executed by the information processing system 1.

[0061] Each of the business server device 2 and the card company server device 3 may be in an on-premise form or in a cloud form. As a cloud-based server device, the above functions and processes may be provided in the form of, for example, SaaS (Software as a Service) or cloud computing.

[0062] In the above embodiment, the server device performs various storage and control, but multiple external devices may be used instead of the server device. In other words, various information and programs may be distributed and stored in multiple external devices using block chain technology or the like.

[0063] Furthermore, it may be provided in the following aspects:

[0064] (1) A program which causes a computer to execute the following steps with respect to a receivable in a transaction concluded between a seller and a buyer: a first management step, when it is accepted that factoring be applied to the receivable, manages the transfer of the receivable from the seller to a factoring business, the factoring business purchasing the receivable from the seller, thereby transferring the receivable from the seller to the factoring business; a second management step, when it is accepted from the buyer that a credit card bill payment agency service be applied, manages the buyer's payment of the receivable by credit card, the credit card bill payment agency service being a service which enables the buyer to pay the receivable by the buyer's credit card via a credit card bill payment agency; and a payment control step, when the factoring business and the credit card bill payment agency are the same business, returns the receivable from the factoring business to the seller and starts processing to make payment by credit card.

[0065] According to this configuration, it is possible to provide a technique for assisting in settlement operations between sellers and buyers.

[0066] (2) In the program described in (1) above, in the second management step, when a request is received from the buyer to the credit card bill payment agency to apply the credit card bill payment agency service, request information is generated, and the request information is information requesting approval to use the credit card from the card company.

[0067] According to this configuration, a request can be made to the card company as to whether the buyer's card can be used for the receivables to which factoring is applied.

[0068] (3) In the program described in (2) above, the second management step executes the payment control step when it is accepted that the payment by the buyer's credit card has been approved.

[0069] According to this configuration, when the card company approves the use of the buyer's card for the receivables to which factoring is applied, a credit card bill payment agency service is provided.

[0070] (4) In the program described in (2) above, in the second management step, if it is received that the buyer's payment by credit card has been rejected, the payment control step is not executed and the buyer is notified that the credit card-based invoice payment agency service is not available.

[0071] According to this configuration, when the card company approves the use of the buyer's card for the receivables to which factoring is applied, the credit card bill payment agency service is not performed.

[0072] (5) In the program described in (1) above, in the display control step, a display is made on a terminal used by the seller indicating that the receivable will be returned to the seller by the payment control step.

[0073] With this configuration, it is possible to make the seller aware that a credit card bill payment agency service will be provided for the receivables to which factoring is applied.

[0074] (6) A program which causes a computer to execute the following steps with respect to a receivable in a transaction concluded between a seller and a buyer: a first management step, when it is accepted that factoring be applied to the receivable, managing the transfer of the receivable from the seller to a business operator, the factoring being the transfer of the receivable from the seller to the business operator by the business operator purchasing the receivable from the seller; a second management step, when it is accepted from the buyer that a credit card bill payment agency service be applied, managing the buyer paying the receivable by credit card, the credit card bill payment agency service being a service which enables the buyer to pay the receivable by the buyer's credit card via the business operator; and a payment control step, returning the receivable from the business operator to the seller and starting processing to make payment by credit card.

[0075] According to this configuration, it is possible to provide a technique for assisting in settlement operations between sellers and buyers.

[0076] (7) An information processing method comprising the steps of the program according to any one of (1) to (6) above.

[0077] According to this configuration, it is possible to provide a technique for assisting in settlement operations between sellers and buyers.

[0078] (8) An information processing system comprising a computer that executes the program according to any one of (1) to (6) above.

[0079] According to this configuration, it is possible to provide a technique for assisting in settlement operations between sellers and buyers. Of course, this is not the case.

[0080] Finally, although various embodiments of the present invention have been described, these are presented as examples and are not intended to limit the scope of the invention. The novel embodiments can be implemented in various other forms, and various omissions, substitutions, and modifications can be made without departing from the spirit of the invention. The embodiments and their modifications are included within the scope and spirit of the invention, and are included in the scope of the invention and its equivalents described in the claims. [Explanation of symbols]

[0081] 1: Information processing system 2: Business server equipment 21: Processor 210: Information transmission and reception unit 211: 1st Management Department 212:Second Management Department 213: Payment control unit 214: Display control unit 22: Storage section 23: Communications Department 3: Card company server device 31: Processor 32: Storage section 33: Communications Department 4: Seller equipment 41: Processor 42: Storage section 43: Communications Department 44: Input section 45: Output section 5: Buyer equipment 51: Processor 52: Storage section 53: Communications Department 54: Input section 55: Output section N: Network

Claims

1. A program, Have the computer perform the following steps: Regarding the claims arising from a transaction between a seller and a buyer, In the first management step, when the application of factoring to the receivables is accepted, the transfer of the receivables from the seller to a factoring business operator is managed; The factoring is a process in which the factoring business operator purchases the receivables from the seller, and the receivables are transferred from the seller to the factoring business operator, In a second management step, when application of a credit card type bill payment agency service is accepted from the buyer, the payment of the claim by the buyer's credit card is managed, the credit card bill payment agency service is a service that enables the buyer to pay the receivables with the buyer's credit card via a credit card bill payment agency; In the payment control step, if the factoring company and the credit card bill payment agency are the same company, the factoring company returns the receivable to the seller, and a process for making the payment by credit card is started. program.

2. The program according to claim 1, In the second management step, when a request for application of the credit card-based bill payment agency service is received from the buyer to the credit card-based bill payment agency, request information is generated, the request information being information of a request to a card company for approval to use the credit card. program.

3. The program according to claim 2, In the second management step, when it is accepted that the payment by the buyer's credit card is approved, the payment control step is executed. program.

4. The program according to claim 2, In the second management step, if it is received that the payment by the buyer's credit card has been rejected, the payment control step is not executed, and the buyer is notified that the credit card bill payment agency service is not available. program.

5. The program according to claim 1, In the display control step, a display is made on a terminal used by the seller to indicate that the claim is returned to the seller by the payment control step. program.

6. A program, Have the computer perform the following steps: Regarding the claims arising from a transaction between a seller and a buyer, In the first management step, when the application of factoring to the receivable is accepted, the transfer of the receivable from the seller to a business operator is managed; The factoring is a process in which the business entity purchases the receivables from the seller, and the receivables are transferred from the seller to the business entity, In a second management step, when application of a credit card type bill payment agency service is accepted from the buyer, the payment of the claim by the buyer's credit card is managed, the credit card bill payment agency service is a service that enables the buyer to pay the receivables by the buyer's credit card via the business; In the payment control step, the credit is returned from the business to the seller, and a process for executing the payment by the credit card is started. program.

7. 1. An information processing method, comprising: The program includes the steps of any one of claims 1 to 6. Information processing methods.

8. An information processing system, A computer that executes the program according to any one of claims 1 to 6. Information processing system.

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