Information processing device, information processing system, information processing method, and information processing program

Abstract

To provide an information processing device, an information processing system, an information processing method, and an information processing program capable of properly making payments of various fees relating to a certain trade.SOLUTION: An information processing device includes: an information obtaining unit that obtains first information from a manager terminal; a first assessing unit that transmits, to a settlement terminal, second information on a second fee obtained by adding a predetermined amount of money to a first fee based on the first information; a result obtaining unit that obtains a result of settlement processing from the settlement terminal when the settlement processing is executed at the settlement terminal on the basis of the second information and third information; and a fee obtaining unit that obtains a second fee in accordance with the second information from the settlement terminal on the basis of the result of the settlement processing at the settlement terminal.SELECTED DRAWING: Figure 1

Description

[Technical field]

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

[0002] Traditionally, bank transfers and the like have been used to pay various fees, including those for real estate rentals. However, in recent years, due to technological advances and various other reasons, payment methods for these fees have become more diverse. The technology described in Patent Document 1 is a system for making a lump-sum payment of fees related to real estate rentals, and includes a user terminal, a payment company terminal, and a server. The server described in Patent Document 1 consolidates multiple payment data received from the payment company terminal according to at least one of the following: per property management company, per payment company, per tenant, and per landlord, and makes a lump-sum payment. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2016-051333 A Summary of the Invention [Problem to be solved by the invention]

[0004] Contracts that involve the payment of certain fees, such as real estate lease contracts, often require a guarantor in addition to the contract holder. However, depending on the circumstances of the contract holder, there are cases where the contract holder does not choose a family member or other person as a guarantor, but instead asks a guarantee company to act as a guarantor. Even in such cases, the emergence of a system that would allow the appropriate payment of various fees has been eagerly awaited. In this regard, it is becoming common for tenants to request a guarantor company to act as a guarantee instead of a personal guarantee using a family member or other such person as a guarantor. However, when a guarantor company provides a guarantee, it is usually necessary to pay the guarantee fee in one lump sum, which poses a large burden for the tenant who entrusts the guarantee to them.

[0005] Furthermore, when requesting a guarantee from a guarantor company, the guarantor company must manage various payments to, for example, a property management company (or a landlord of the property). In other words, for example, a property management company (or a landlord) may wish to reduce the burden of property management by requesting a guarantee from a guarantor company. In such cases, the emergence of a system for appropriately managing properties, for example, has been eagerly awaited.

[0006] An object of the present invention is to provide an information processing device, an information processing system, an information processing method, and an information processing program that enable appropriate payment of various fees related to a specific transaction. [Means for solving the problem]

[0007] An information processing device of one embodiment is a device interposed between an administrator terminal used to manage a specified object and a payment terminal used for payment for the specified object, and includes an information acquisition unit that acquires first information about a first fee related to the specified object from the administrator terminal, a first billing unit that transmits to the payment terminal second information about a second fee obtained by adding a specified amount to the first fee based on the first information acquired by the information acquisition unit, a result acquisition unit that acquires a result of the payment processing from the payment terminal when payment processing is performed at the payment terminal based on the second information sent to the payment terminal by the first billing unit and third information related to the fee usage limit held by the payment terminal, and a fee acquisition unit that acquires a second fee corresponding to the second information from the payment terminal based on the result of the payment processing at the payment terminal.

[0008] An information processing device of one embodiment may include a result acquisition unit that acquires a result of the payment processing from the payment terminal when payment processing is performed at the payment terminal based on second information sent to the payment terminal by the first billing unit and third information related to the fee usage limit held by the payment terminal, a first providing unit that provides to an administrator terminal a first fee obtained by subtracting a predetermined amount from the second fee acquired by the fee acquisition unit, and a second providing unit that transmits the result of the payment processing acquired by the result acquisition unit to the administrator terminal.

[0009] An information processing device of one embodiment may include a fourth acquisition unit that acquires fourth information regarding a payment method from a user terminal of a user using a specified target, a third provision unit that, when a second fee cannot be acquired by the fee acquisition unit based on a result of the payment processing acquired by the result acquisition unit, transmits fifth information regarding confirmation of a change regarding the payment method based on the fourth information acquired by the fourth acquisition unit to the user terminal, and a fourth provision unit that, when sixth information regarding a change to the payment method is acquired in response to sending the fifth information to the user terminal by the third provision unit, transmits seventh information regarding a payment change in response to the sixth information to the payment terminal.

[0010] An information processing device according to one embodiment may include a fifth providing unit that provides the first fee to the administrator terminal when the second fee cannot be obtained by the fee obtaining unit based on the result of the payment processing obtained by the result obtaining unit.

[0011] In one embodiment of the information processing device, when the specified object is a rental property, the first billing unit may send to the payment terminal second information regarding a second fee which is the rent for the rental property as the first fee plus a guarantee amount for guaranteeing the rent for the rental property as a specified amount.

[0012] In the information processing device of the embodiment, the result acquisition unit may acquire information indicating whether a credit limit for the payment amount has been secured for the credit card, as a result of the payment process based on the third information.

[0013] One embodiment of an information processing device is an information processing device used when guaranteeing payment obligations for various fees related to a specific transaction, and includes a receiving unit that receives amount information regarding the amount of the various fees, a billing unit that transmits total amount information regarding a total amount obtained by adding a predetermined amount to the amount information, an acquisition unit that acquires a total amount according to the total amount information, and a remittance processing unit that remits the amount of the various fees obtained by subtracting the predetermined amount from the total amount acquired by the acquisition unit.

[0014] One embodiment of an information processing system is a system comprising an information processing device used to guarantee payment obligations for various fees related to a specific transaction, a payment terminal for settling the payment of various fees, and an administrator terminal for managing the subject of the specific transaction, and the information processing device comprises a receiving unit that receives amount information relating to the amount of the various fees from the administrator terminal, a billing unit that transmits total amount information relating to a total amount obtained by adding a predetermined amount to the amount information to the payment terminal, an acquisition unit that acquires a total amount corresponding to the total amount information from the payment terminal, and a remittance processing unit that transfers the amount of the various fees obtained by subtracting a predetermined amount from the total amount acquired by the acquisition unit to the administrator terminal.

[0015] An information processing system of one embodiment is a system comprising an administrator terminal used to manage specified objects, a payment terminal used for payment for the specified objects, and an information processing device interposed between the administrator terminal and the payment terminal, wherein the information processing device comprises an information acquisition unit that acquires first information about a first fee related to the specified object from the administrator terminal, a first billing unit that transmits to the payment terminal second information about a second fee which is the first fee based on the first information acquired by the information acquisition unit plus a specified amount, a result acquisition unit that acquires a result of the payment processing from the payment terminal when payment processing is performed at the payment terminal based on the second information sent to the payment terminal by the first billing unit and third information related to the fee usage limit held by the payment terminal, and a fee acquisition unit that acquires a second fee corresponding to the second information from the payment terminal based on the result of the payment processing at the payment terminal.

[0016] One embodiment of an information processing method is a method executed by an information processing device used when guaranteeing payment obligations for various fees related to a specific transaction, in which the information processing device executes a receiving step in which amount information related to the amounts of the various fees is received by a receiving unit, a billing step in which combined amount information related to a combined amount obtained by adding a predetermined amount to the amount information, an acquisition step in which a combined amount according to the combined amount information is acquired, and a remittance processing step in which the amount of the various fees obtained by subtracting a predetermined amount from the combined amount acquired by the acquisition step is remitted.

[0017] In one embodiment of the information processing method, an information processing device interposed between an administrator terminal used to manage a specified object and a payment terminal used for payment for the specified object executes the following steps: a first acquisition step of acquiring first information about a first fee related to the specified object from the administrator terminal; a first billing step of transmitting to the payment terminal second information about a second fee obtained by adding a specified amount to the first fee based on the first information acquired by the first acquisition step; a second acquisition step of acquiring a result of the payment processing from the payment terminal when payment processing is performed at the payment terminal based on the second information sent to the payment terminal by the first billing step and third information related to the fee usage limit held by the payment terminal; and a third acquisition step of acquiring from the payment terminal a second fee corresponding to the second information based on the result of the payment processing at the payment terminal.

[0018] One embodiment of the information processing program is a program realized in an information processing device used when guaranteeing payment obligations for various fees related to a specific transaction, and realizes in the information processing device a receiving function for receiving amount information regarding the amounts of the various fees, a billing function for sending combined amount information regarding a combined amount obtained by adding a predetermined amount to the amount information, an acquisition function for acquiring a combined amount according to the combined amount information, and a remittance processing function for remitting the amount of the various fees obtained by subtracting a predetermined amount from the combined amount acquired by the acquisition function.

[0019] An information processing program of one embodiment provides, in an information processing device interposed between an administrator terminal used to manage a specified object and a payment terminal used for payment for the specified object, a first acquisition function that acquires first information about a first fee related to the specified object from the administrator terminal, a first billing function that transmits to the payment terminal second information about a second fee obtained by adding a specified amount to the first fee based on the first information acquired by the first acquisition function, a second acquisition function that acquires a result of the payment processing from the payment terminal when payment processing is performed at the payment terminal based on the second information sent to the payment terminal by the first billing function and third information related to the fee usage limit held by the payment terminal, and a third acquisition function that acquires a second fee corresponding to the second information from the payment terminal based on the result of the payment processing at the payment terminal. Effect of the Invention

[0020] An information processing device in one embodiment acquires first information, transmits second information about a second fee which is a first fee based on the first information plus a predetermined amount to the payment terminal, acquires a result of payment processing at the payment terminal based on the second information and the third information, acquires a second fee corresponding to the second information from the payment terminal based on the result of the payment processing, provides a first fee which is the second fee minus a predetermined amount to an administrator terminal, and transmits the result of the payment processing to the administrator terminal, thereby appropriately guaranteeing payment obligations for various fees related to a specific transaction. The information processing system, the information processing method, and the information processing program according to one aspect can achieve the same effects as the information processing device according to the above aspect. [Brief description of the drawings]

[0021] [Figure 1] FIG. 1 is a diagram illustrating an information processing system according to an embodiment. [Diagram 2] FIG. 1 is a block diagram illustrating an information processing device according to an embodiment. [Diagram 3] 1 is a first timing chart illustrating an information processing method according to an embodiment. [Figure 4]11 is a second timing chart illustrating an information processing method according to an embodiment. [Diagram 5] 11 is a third timing chart illustrating an information processing method according to an embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0022] Hereinafter, one embodiment of the present invention will be described. In this specification, the term "information" is used, but the term "information" can be replaced with "data" and the term "data" can be replaced with "information".

[0023] First, the information processing system 1 will be described. FIG. 1 is a diagram illustrating an information processing system 1 according to an embodiment.

[0024] The information processing system 1 includes an administrator terminal 10, a payment terminal 20, a user terminal 30, and an information processing device 40.

[0025] The manager terminal 10 is used, for example, for managing a predetermined target. The predetermined target may be, for example, various objects including real estate rental properties and items that are the subject of rental business, or may be various services. The manager terminal 10 is used, for example, for various processes including contracts and fees related to the predetermined target. The manager terminal 10 is used, for example, by a manager who manages the predetermined target. The manager terminal 10 may manage multiple predetermined targets (multiple rental properties).

[0026] The payment terminal 20 is provided, for example, in a company or the like that is capable of making payments by credit card or the like. As an example, the payment terminal 20 is provided in a payment company and a payment agency. The payment terminal 20 is used, for example, for making payments for a predetermined object. As in the above example, the predetermined object may be various objects including real estate rental properties and items that are the subject of rental business. The payment terminal 20 is used, for example, for various processes including the payment of fees related to the predetermined object. The payment terminal 20 is used, for example, by an employee or the like who performs payment processing.

[0027] The user terminal 30 is used, for example, by a user who uses a specified object, or a contractor who enters into a contract for the use of the specified object. The user or contractor pays the fee for using the specified object to an administrator, etc., and requests a company (guarantor company) in which the information processing device 40 described below is located to guarantee the fee for the specified object. As in the example above, the specified object may be various objects including real estate rental properties and items that are the subject of rental business. The user terminal 30 is used, for example, for various processes including contracts and fees related to the specified object.

[0028] The information processing device 40 is interposed between the manager terminal 10 and the payment terminal 20. That is, the information processing device 40 is connected to each of the manager terminal 10 and the payment terminal 20 via a communication network. The information processing device 40 may also be connected to the user terminal 30 via the communication network.

[0029] The information processing device 40 is used when guaranteeing the payment obligations of various fees related to a specific transaction. For example, when various contracts are made between an administrator using the administrator terminal 10 and a user for a specific target, the information processing device 40 provides a guarantee for the administrator for the contract. That is, the information processing device 40 is used to guarantee various contracts for which there is room for a guarantor. The information processing device 40 may provide a guarantee for each of a plurality of contracts for specific targets, for example. In the following, a real estate lease contract will be described as an example of various contracts for which there is room for a guarantor.

[0030] That is, as a specific example, when the predetermined object is a rental property (e.g., a room, etc.) and a rental contract is made between the manager who manages the rental property and the user, the manager may request the user to provide a guarantor. For example, a guarantor company that owns the information processing device 40 will be the guarantor in the rental contract. In such a case, the information processing device 40 guarantees the rental fee (e.g., rent) of the rental property. For example, when the information processing device 40 receives a request from the manager terminal 10 or the user terminal 30, it identifies the user and issues a unique code to be used when requesting payment from the payment terminal 20. The information processing device 40 also examines whether the user will be a guarantor in the rental contract, and if the user is determined to be a guarantor, it performs various processes.

[0031] For example, the information processing device 40 uses a unique code every month to request the payment terminal 20 to settle the total amount obtained by adding the guarantee amount to the rental fee for the rental property. When the payment is made at the payment terminal 20, the information processing device 40 obtains the total amount from the payment terminal 20. Furthermore, when the information processing device 40 obtains the total amount from the payment terminal 20, it provides the amount obtained by subtracting the guarantee amount from the total amount (rental fee) to the manager terminal 10. If the payment is not received from the payment terminal 20, the information processing device 40 provides the rental fee for the rental property to the manager terminal 10.

[0032] Here, the administrator terminal 10 and the payment terminal 20 may be, for example, a server, a desktop, a laptop, a tablet, a smartphone, etc. The user terminal 30 may be, for example, a desktop, a laptop, a tablet, a smartphone, etc. The information processing device 40 may be, for example, a computer (specific examples include a server, a desktop, a laptop, a tablet, a smartphone, etc.).

[0033] Next, the information processing device 40 will be described in detail. FIG. 2 is a block diagram for explaining an information processing device 40 according to an embodiment.

[0034] The information processing device 40 includes a communication unit 52, a first acquisition unit 42, a first request unit 43, a second acquisition unit 44, a third acquisition unit 45, a first provision unit 46, a second provision unit 47, a fourth acquisition unit 48, a third provision unit 49, a fourth provision unit 50, and a fifth provision unit 51. The first acquisition unit 42, the first request unit 43, the second acquisition unit 44, the third acquisition unit 45, the first provision unit 46, the second provision unit 47, the fourth acquisition unit 48, the third provision unit 49, the fourth provision unit 50, and the fifth provision unit 51 may be realized as one function of a control unit 41 (e.g., an arithmetic processing device, etc.) of the information processing device 40.

[0035] The communication unit 52 has the functions of a transmitting unit that transmits information and a receiving unit that receives information. The communication unit 52 communicates with various devices and terminals outside the information processing device 40. That is, the communication unit 52 can transmit and receive information with each of the manager terminal 10, the payment terminal 20, and the user terminal 30. In other words, the control unit 41 can transmit and receive information via the communication unit 52. For example, the communication unit 52 (receiving unit) receives amount information regarding the amounts of various fees.

[0036] The first acquisition unit 42 acquires first information on a first fee related to a predetermined target from the manager terminal 10. Here, the predetermined target may be, for example, various objects including real estate rental properties and items that are the subject of rental business, as described above. For this reason, in the following, a real estate "rental property" will be used as an example of the "predetermined target". The first fee may be, for example, the rental fee for the rental property. When a rental contract for a rental property is made between a user and a manager, the first acquisition unit 42 acquires the first information from, for example, the manager terminal 10. That is, as an example, the first acquisition unit 42 acquires information indicating the rent of the rental property as the first information. In this case, before the first acquisition unit 42 acquires the first information, the fourth acquisition unit 48, which will be described later, acquires information (e.g., a unique code, etc.) regarding the payment method of the first fee to be paid by the user to the manager in the lease agreement between the user and the manager. Here, the "information acquisition unit" of the present invention may correspond to the "first acquisition unit 42" in the above-described embodiment.

[0037] The first billing unit 43 transmits to the payment terminal 20 second information on the second fee obtained by adding a predetermined amount to the first fee based on the first information acquired by the first acquisition unit 42. The predetermined amount is a fee incurred when becoming a guarantor in a rental contract between the user and the manager, and may be the above-mentioned "guarantee amount". In other words, when the rental property is a real estate rental property, the first billing unit 43 may transmit to the payment terminal 20 second information on the second fee obtained by adding a guarantee amount for guaranteeing the rent of the rental property as a predetermined amount to the rent of the rental property as the first fee. Here, the first billing unit 43 transmits to the payment terminal 20 second information on the total amount (second fee) obtained by adding the guarantee amount (predetermined amount) to the rental fee (first fee) for each predetermined period (for example, every month, etc.). The second information is, for example, information requesting the payment terminal 20 to pay the second fee. The guaranteed amount (predetermined amount) may be, for example, the annual guaranteed amount divided for each specified period, a constant fixed amount for each specified period, or a variable amount that changes for each specified period. Here, the "billing unit" of the present invention may correspond to the "first billing unit 43" of the above-mentioned embodiment. The billing unit (first billing unit 43) may transmit to the payment terminal 20 total amount information regarding a total amount obtained by adding a predetermined amount to the amount information received by the communication unit 52 (receiving unit). The "total amount information" may correspond to, for example, the "second information" of the above-mentioned embodiment.

[0038] When the payment terminal 20 performs a payment process based on the second information transmitted to the payment terminal 20 by the first billing unit 43 and the third information related to the usage limit of the fee held by the payment terminal 20, the second acquisition unit 44 acquires the result of the payment process from the payment terminal 20. The third information is, for example, information related to the credit card's usage limit for a predetermined period. When the payment terminal 20 performs a payment process based on the second information and the third information, that is, when the second fee is payable, the second acquisition unit 44 acquires the result of the payment process (that the payment has been made) from the payment terminal 20. That is, the second acquisition unit 44 may acquire, for example, information indicating whether the usage limit of the payment amount has been secured for the credit card as a result of the payment process based on the third information. Even when the result of the payment process in the payment terminal 20 is that the payment has not been made, the second acquisition unit 44 may acquire the result of the payment process (that the payment has not been made) from the payment terminal 20. Here, the "result acquisition unit" of the present invention may correspond to the "second acquisition unit 44" in the above-described embodiment.

[0039] The third acquisition unit 45 acquires the second fee corresponding to the second information from the payment terminal 20 based on the result of the payment process in the payment terminal 20. That is, when the payment is made and withdrawn at the payment terminal 20, the third acquisition unit 45 acquires the payment amount (second fee). The second fee may be transferred from the payment company to a bank account (first account) or the like used by the guarantor company that owns the information processing device 40. In this case, the third acquisition unit 45 may "acquire the second fee" from the payment terminal 20 by, for example, acquiring information from the payment terminal 20 indicating that the second fee has been transferred from a bank account or the like of the payment company (e.g., a credit card company) to the first account. Here, the "acquisition unit" and the "fee acquisition unit" of the present invention may correspond to the "third acquisition unit 45" of the above-mentioned embodiment. The acquisition unit (third acquisition unit 45) acquires the total amount according to the above-mentioned total amount information. In this case, the acquisition unit (third acquisition unit 45) may acquire the total amount from, for example, the payment terminal 20 (or a device or account related to the payment terminal 20, etc.).

[0040] The first providing unit 46 provides the first fee, which is obtained by subtracting a predetermined amount (guarantee amount) from the second fee acquired by the third acquiring unit 45, to the manager terminal 10. When the information processing device 40 acquires the second fee by the third acquiring unit 45, it acquires the guarantee amount from the second fee and uses it for future activities as a guarantor. In addition, the first providing unit 46 provides the first fee (rental fee) after subtracting the guarantee amount from the second fee to the manager terminal 10. Note that the first fee may be transferred from the first account to the bank account (second account) of the management company, for example. In this case, the first providing unit 46 may "provide the first fee" to the manager terminal 10 by transmitting information to the manager terminal 10 indicating that the first fee has been transferred from the first account to the second account, for example. Here, the "remittance processing unit" of the present invention may correspond to the "first providing unit 46" of the above-mentioned embodiment. The remittance processing unit (first providing unit 46) remits the amount of various fees obtained by subtracting a predetermined amount from the total amount acquired by the acquiring unit (third acquiring unit 45). In this case, the remittance processing unit (first providing unit 46) may remit the amount of various fees to the manager terminal 10 (or a device or account related to the manager terminal 10, etc.).

[0041] The second providing unit 47 transmits the result of the payment process acquired by the second acquiring unit 44 to the manager terminal 10. When the payment company has cleared the payment for the rental fee (second fee) of the rental property, the second providing unit 47 transmits information indicating that the payment has been cleared to the manager terminal 10. In addition, when the payment company has not cleared the payment for the rental fee (second fee) of the rental property, the second providing unit 47 may transmit information indicating that the payment has not been cleared to the manager terminal 10.

[0042] As described above, the fourth acquisition unit 48 acquires the fourth information on the payment method from the user terminal 30 of the user who uses the rental property. That is, when the information processing device 40 (e.g., the control unit 41, etc.) guarantees the rental contract between the user and the manager, first, the fourth acquisition unit 48 acquires information (fourth information) on the payment method of the first fee to be paid by the user to the manager.

[0043] When the second fee cannot be acquired by the third acquisition unit 45 based on the result of the payment process acquired by the second acquisition unit 44, the third provision unit 49 transmits fifth information to the user terminal 30 regarding confirmation of a change to the payment method based on the fourth information acquired by the fourth acquisition unit 48. As an example, when the payment company has not settled the second fee, the third provision unit 49 transmits information requesting payment of the second fee, i.e., information confirming whether to change the registered fourth information (fifth information), to the user terminal 30.

[0044] When the user requests a change in the payment method in response to receiving the fifth information, the information processing device 40 (e.g., the control unit 41, etc.) acquires information requesting a change in the payment method (sixth information) from the user terminal 30 used by the user or via the administrator terminal 10. That is, when the fourth providing unit 50 acquires the sixth information regarding the change in the payment method in response to the third providing unit 49 sending the fifth information to the user terminal 30, it sends seventh information regarding the payment change to the payment terminal 20 in response to the sixth information. For example, the seventh information may be a URL or the like regarding a form for the user to input the payment method (e.g., information for payment by credit card) into the payment terminal 20.

[0045] Alternatively, as an example, when a user requests a change in the payment method, regardless of the result of the payment process in the payment terminal 20, the information processing device 40 (e.g., the control unit 41, etc.) may obtain information requesting a change in the payment method from the user terminal 30 used by the user or via the administrator terminal 10. In this case, the fourth providing unit 50 may transmit seventh information regarding the payment change to the payment terminal 20.

[0046] The fifth providing unit 51 provides the first fee to the administrator terminal 10 when the second fee cannot be acquired by the third acquiring unit 45 based on the result of the settlement process acquired by the second acquiring unit 44. The fifth providing unit 51 provides the first fee to the administrator terminal 10 when the settlement of the second fee is not made at the settlement company as a result of the settlement process (when the second fee cannot be acquired). Note that the first fee may be transferred from a bank account (first account) used by the company that owns the information processing device 40 to a bank account (second account) of the management company, etc., as in the above-mentioned case. In this case, the fifth providing unit 51 may "provide the first fee" to the administrator terminal 10 by, for example, transmitting information to the administrator terminal 10 indicating that the first fee has been transferred from the first account, etc. to the second account.

[0047] Next, an information processing method according to an embodiment will be described.

[0048] First, as an information processing method, the process for applying for a guarantee will be described with reference to FIG. FIG. 3 is a first timing chart illustrating an information processing method according to an embodiment.

[0049] In step ST101, when a user applies for a guarantee of rent for a rental property, the user terminal 30 transmits information regarding the application to the manager terminal 10.

[0050] In step ST102, in response to step ST101, the administrator terminal 10 transmits fourth information regarding the guarantee application and the payment method to the information processing device 40. The fourth information is information regarding the payment method of the first fee to be paid by the user to the administrator, and includes, for example, information on a credit card company, etc.

[0051] In step ST103, the information processing device 40 (e.g., the control unit 41, etc.) accepts the guarantee application and the fourth information. Based on the fourth information, the information processing device 40 (e.g., the control unit 41, etc.) transmits information requesting payment to the payment terminal 20 located at the corresponding credit card company. Furthermore, upon accepting the fourth information, the information processing device 40 (e.g., the control unit 41, etc.) issues a number (unique code) to be used when requesting payment from the payment terminal 20, etc. The unique code is, for example, information to identify a user, and is issued for each user. The unique code is information to identify the user between the guarantee company (information processing device 40) and the payment company (payment terminal 20). The information processing device 40 (e.g., the control unit 41, etc.) shares the unique code with the payment terminal 20.

[0052] In step ST104, the payment terminal 20 registers user information in response to step ST103, and, as an example, issues a URL for a form for the user to input a payment method (e.g., information for payment by credit card) into the payment terminal 20.

[0053] In step ST105, the information processing device 40 (for example, the control unit 41, etc.) transmits the URL issued in step ST104 to the user terminal 30. In this case, the information processing device 40 (for example, the control unit 41, etc.) writes the URL in a medium such as SMS (Short Message Service) and e-mail and transmits it to the user terminal 30.

[0054] In step ST106, the information processing device 40 (for example, the control unit 41, etc.) examines the guarantee application received in step ST103. Here, if there is a defect in the guarantee application, the information processing device 40 (for example, the control unit 41, etc.) may transmit a notice to that effect to the administrator terminal 10.

[0055] In step ST107, the user terminal 30 accesses the URL in response to step ST105, and inputs information related to payment (for example, information for payment by credit card) on the page of that URL.

[0056] In step ST108, the payment terminal 20 acquires the information input in step ST107. In this case, the payment terminal 20 holds, for example, a credit card number, checks the expiration date and validity of the card, and transmits the check result, etc. to the information processing device 40.

[0057] In step ST109, the information processing device 40 (e.g., the control unit 41, etc.) registers the information transmitted from the payment terminal 20 in response to step ST108. The information processing device 40 (e.g., the control unit 41) transmits the result of the examination in step ST106 and the result of the registration in step ST109 to the administrator terminal 10. That is, the information processing device 40 (e.g., the control unit 41) transmits to the administrator terminal 10 that the warranty application has been approved. In this case, the information processing device 40 (e.g., the control unit 41) may transmit information identifying the user (e.g., a unique code, etc.) to the administrator terminal 10.

[0058] In step ST110, the manager terminal 10 accepts the information transmitted in step ST109, that is, the result of approval by the guarantee company.

[0059] In step ST111, the user terminal 30 transmits and receives information to and from the administrator terminal 10, and if the guarantee application is approved in step ST109, transmits a guarantee contract with various items entered to the administrator terminal 10.

[0060] In step ST112, the manager terminal 10 concludes the guarantee contract in response to step ST111. The manager terminal 10 transmits the guarantee contract to the information processing device 40.

[0061] In step ST113, the information processing device 40 (for example, the control unit 41, etc.) receives the conclusion result.

[0062] Next, as an information processing method, a process for charging the second fee to payment terminal 20 will be described with reference to FIG. FIG. 4 is a second timing chart illustrating the information processing method according to an embodiment.

[0063] In step ST201, the administrator terminal 10 transmits, for example, first information for billing the first fee to the information processing device 40 at predetermined intervals (for example, every month, etc.).

[0064] In step ST202, the information processing device 40 (e.g., the control unit 41, etc.) transmits second information requesting payment of a second fee, which is the first fee plus a predetermined amount (guarantee amount), to the payment terminal 20. In this case, the information processing device 40 (e.g., the control unit 41, etc.) may transmit the second information to the payment terminal 20 in association with information identifying the user (e.g., a unique code, etc.).

[0065] In step ST203, the payment terminal 20 acquires third information related to a credit limit for payment fees (eg, a credit card credit limit, etc.) according to the user.

[0066] In step ST204, the payment terminal 20 performs payment processing based on the second information transmitted in step ST202 and the third information acquired in step ST203. If the payment processing result shows that the payment has been accepted, the payment terminal 20 provides the information processing device 40 with the second fee. In addition, the payment terminal 20 provides the information processing device 40 with the result of the payment processing (information indicating that the payment has been accepted or not accepted).

[0067] In step ST205, the information processing device 40 (for example, the control unit 41, etc.) acquires the result of the payment process transmitted in step ST204. In addition, the information processing device 40 (for example, the control unit 41, etc.) provides the result of the payment process to the administrator terminal 10. Note that even if the payment is not made in step ST204, the information processing device 40 (e.g., the control unit 41, etc.) may request payment from the payment terminal 20 multiple times, for example, for a certain period of time, until a predetermined deadline. That is, the information processing device 40 (e.g., the control unit 41, etc.) may re-execute the process of step ST202 under predetermined conditions. In this case, the information processing device 40 (e.g., the control unit 41, etc.) may re-execute the process of step ST202 by taking into account appropriate timing such as the date of the month and the day of the week as the timing for transmitting the second information again. Furthermore, if the payment is not accepted in step ST204, the information processing device 40 (e.g., the control unit 41, etc.) may immediately notify the user that the payment has not been accepted. For example, the information processing device 40 (e.g., the control unit 41, etc.) may notify the user terminal 30 that the payment has not been accepted by using a medium such as SMS or email. In this case, the information processing device 40 (e.g., the control unit 41, etc.) may include a guide for billing the second fee (e.g., a guide for various payment methods such as credit card, bank transfer, and convenience store payment). Furthermore, even if a payment method is registered by processing each step described using Figure 3 above, the information processing device 40 (e.g., the control unit 41, etc.) may be configured to enable the user terminal 30 to newly register a payment method such as a credit card or direct debit when the registered payment method does not function due to, for example, the suspension of credit card use.

[0068] In step ST206, the information processing device 40 (for example, the control unit 41, etc.) provides the second fee provided in step ST204. In addition, the information processing device 40 (for example, the control unit 41, etc.) provides the administrator terminal 10 with the first fee obtained by subtracting a predetermined amount (guarantee amount) from the second fee. In addition, if the payment is not accepted as a result of the payment processing in the payment terminal 20, the information processing device 40 (e.g., the control unit 41, etc.) provides the first fee to the administrator terminal 10 without obtaining the second fee from the payment terminal 20.

[0069] In step ST207, the administrator terminal 10 acquires the result of the settlement process in response to step ST205. Also, the administrator terminal 10 acquires the first fee in response to step ST206.

[0070] Next, as an information processing method, a process for changing the payment method will be described with reference to FIG. FIG. 5 is a third timing chart illustrating the information processing method according to an embodiment.

[0071] In step ST301, if the result of the payment processing obtained in the above-mentioned step ST205 indicates that the payment has not been made, the information processing device 40 (e.g., control unit 41, etc.) provides fifth information to the user terminal 30 to confirm whether to change the payment method.

[0072] In step ST302, when the user terminal 30 changes the payment method, the user terminal 30 inputs predetermined items into a form or the like, and transmits to the information processing device 40 sixth information for changing the payment method.

[0073] In step ST303, the information processing device 40 provides the seventh information for requesting the payment terminal 20 to change the payment method in response to step ST302. The process thereafter may be similar to the process after step ST104 described above.

[0074] In the above-mentioned information processing device 40 and information processing method, the control unit 41 may reduce the predetermined amount (guarantee amount) to be added to the first fee when the user has not defaulted on rent for the rental property for a predetermined period (e.g., two years), i.e., when the second fee is settled at the payment terminal 20. In this case, if the payment method is changed during the above-mentioned predetermined period (e.g., two years), i.e., when the credit card is changed, the control unit 41 may start counting from the time when the initial credit card was registered.

[0075] The effects of this embodiment will be described below. The information processing device 40 includes a first acquisition unit 42 that acquires first information regarding the rental property from the manager terminal 10, a first billing unit 43 that transmits second information regarding a second fee, which is a first fee based on the first information plus a predetermined amount (guarantee amount), to the payment terminal 20, a second acquisition unit 44 that acquires a result of the payment processing from the payment terminal 20 when payment processing is performed in the payment terminal 20 based on the second information and the third information, and a third acquisition unit 45 that acquires the second fee from the payment terminal 20 based on the result of the payment processing. In this case, the information processing device 40 may be equipped with a first providing unit 46 that provides the first fee, which is the second fee minus a predetermined amount (guarantee amount), to the administrator terminal 10, and a second providing unit 47 that transmits the result of the payment processing acquired by the second acquisition unit 44 to the administrator terminal 10. That is, the information processing device 40 can bill the payment terminal 20 for the second fee related to a predetermined object (e.g., rental property) and obtain the guarantee amount related to the rental property accordingly. The information processing device 40 can also provide the first fee related to the rental property to the manager terminal 10. In other words, the information processing device 40 can, as an example, properly pay the first fee (e.g., rent, etc.) to the manager (or owner) of the property while providing a guarantee to the manager (or owner) for the fee related to the rental of the property. Furthermore, the information processing device 40 requests the payment terminal 20 to make a payment for the second fee, which is the first fee plus a predetermined amount (guarantee amount), and therefore the effort and cost required for making a payment can be reduced compared to when the payment is separately requested for the first fee and the predetermined amount. In this case, for example, when the payment is separately requested for the first fee and the predetermined amount and only one of them is paid due to a credit card credit limit, the first fee is paid to the administrator terminal 10 or the user is billed for the first fee or the predetermined amount that was not paid, which increases the effort required for processing. In contrast, when the payment terminal 20 makes a payment for the second fee as in the above-described embodiment, the management and processing of the first fee and the predetermined amount can be performed together, and the effort required for subsequent processing can be reduced. Furthermore, since the information processing device 40 provides the result of the payment of the second fee at the payment terminal 20 to the manager terminal 10, for example, when the payment of the second fee has not been made at the payment terminal 20, the result can also be provided to the manager terminal 10. This allows the information processing device 40 to inform the manager when the user is in arrears with the rent (first fee), and even when the guarantor company bills the user for the overdue rent (first fee) and a specified amount (guarantee amount), the manager (or owner) can be made to understand in advance that such a bill may be made.

[0076] The information processing device 40 may include a fourth acquisition unit 48 that acquires fourth information regarding the payment method from the user terminal 30, a third provision unit 49 that transmits fifth information regarding confirmation of a change regarding the payment method based on the fourth information acquired by the fourth acquisition unit 48 to the user terminal 30 when the second fee cannot be acquired based on the result of the payment processing acquired by the second acquisition unit 44, and a fourth provision unit 50 that transmits seventh information regarding a payment change to the payment terminal 20 in accordance with the sixth information when sixth information regarding the change of the payment method is acquired from the user terminal 30 in response to sending the fifth information to the user terminal 30. That is, when the payment of the second fee is not made at the payment terminal 20, the information processing device 40 can inquire of the user terminal 30 (user) whether or not to change the payment method, and when changing the payment method (e.g., credit card, etc.), can inquire of the payment terminal 20 whether the payment method can be used. Therefore, even when the information processing device 40 cannot obtain the second fee using the registered payment method, it can change the payment direction and obtain the second fee from the user terminal 30 (user).

[0077] The information processing device 40 may include a fifth providing unit 51 that provides the first fee to the administrator terminal 10 when the second fee cannot be obtained based on the result of the payment process obtained by the second obtaining unit 44. As a result, even if the payment terminal 20 does not settle the second fee, the information processing device 40 can guarantee the payment of the first fee to the manager (or owner) of the real estate.

[0078] In the information processing device 40, the first billing unit 43 may, in the case of a real estate rental property, transmit to the payment terminal 20 second information regarding the second fee, which is the rent for the rental property as the first fee plus a predetermined amount of a guarantee amount for guaranteeing the rent for the rental property. This allows the information processing device 40 to properly pay the first fee (for example, rent, etc.) to the manager (or owner) of the real estate while providing the manager (or owner) with a guarantee regarding the fee for renting the real estate.

[0079] In the information processing device 40, the second acquisition unit 44 may acquire information indicating whether the credit limit for the payment amount has been secured for the credit card as a result of the payment process based on the third information. As a result, information processing device 40 can obtain information that payment has been made at payment terminal 20 (that the second fee can be obtained).

[0080] The information processing device 40 is a device used when guaranteeing the payment obligation of various fees related to a specific transaction, and may include a receiving unit (for example, the "communication unit 52") that receives amount information on the amount of various fees, a billing unit (for example, the "first billing unit 43") that transmits total amount information on the total amount obtained by adding a predetermined amount to the amount information, an acquisition unit (for example, the "third acquisition unit 45") that acquires the total amount according to the total amount information, and a remittance processing unit (for example, the "first provision unit 46") that remits the amount of various fees obtained by subtracting a predetermined amount from the total amount acquired by the acquisition unit. The above-mentioned billing unit, acquisition unit, and remittance processing unit may be realized as one function of the control unit 41 of the information processing device 40. In other words, the information processing device 40 charges the payment terminal 20 a total amount that is the sum of various fees related to a specified object (e.g., a rental property) and a specified amount (e.g., a guarantee amount), and can obtain the specified amount related to the rental property in response. As a result, the information processing device 40 requests the payment terminal 20 to make a payment for the total fee, which is the sum of the various fees and a predetermined amount (e.g., a guarantee amount), and therefore the effort and cost required for making a payment can be reduced compared to when the payment is separately requested for the various fees and the predetermined amount. In this case, for example, when the payment is separately requested for the various fees and the predetermined amount and only one of them is paid due to a credit card credit limit, the various fees are paid to the administrator terminal 10 or the user is billed for the various fees that were not paid or the predetermined amount, which increases the effort required for processing. In contrast, when the total fee is paid at the payment terminal 20 as in the above-mentioned embodiment, the management and processing of the various fees and the predetermined amount can be performed collectively, and the effort required for subsequent processing can be reduced.

[0081] The information processing system 1 is a system including an administrator terminal 10 used for managing rental properties, a payment terminal 20 used for payment for rental properties, and an information processing device 40 interposed between the administrator terminal 10 and the payment terminal 20. In this case, the information processing device 40 includes a first acquisition unit 42 that acquires first information about a first fee related to the rental property from the administrator terminal 10, a first billing unit 43 that transmits to the payment terminal 20 second information about a second fee obtained by adding a predetermined amount to the first fee based on the first information acquired by the first acquisition unit 42, a second acquisition unit 44 that acquires a result of the payment processing from the payment terminal 20 when the payment processing is performed in the payment terminal 20 based on the second information transmitted to the payment terminal 20 by the first billing unit 43 and third information related to the usage limit of the fee held by the payment terminal 20, and a third acquisition unit 45 that acquires the second fee according to the second information from the payment terminal 20 based on the result of the payment processing in the payment terminal 20. In this case, the information processing device 40 may be equipped with a first providing unit 46 that provides the first fee obtained by subtracting a predetermined amount from the second fee acquired by the third acquisition unit 45 to the administrator terminal 10, and a second providing unit 47 that transmits the result of the payment processing acquired by the second acquisition unit 44 to the administrator terminal 10. That is, the information processing system 1 can bill the payment terminal 20 for the second fee related to a predetermined object (e.g., rental property), and accordingly obtain a guaranteed amount related to the rental property, while providing the first fee related to the rental property to the manager terminal 10. In other words, the information processing system 1 can, as an example, properly pay the first fee (e.g., rent, etc.) to the manager (or owner) of the property while providing a guarantee to the manager (or owner) for the fee related to the rental of the property.

[0082] In the information processing method, an information processing device 40 (computer) executes a first acquisition step of acquiring first information regarding the rental property from the manager terminal 10, a first billing step of transmitting second information about a second fee, which is a first fee based on the first information plus a predetermined amount (guarantee amount), to the payment terminal 20, a second acquisition step of acquiring a result of the payment processing from the payment terminal 20 when payment processing is performed in the payment terminal 20 based on the second information and the third information, and a third acquisition step of acquiring the second fee from the payment terminal 20 based on the result of the payment processing. In this case, the information processing method may execute a first providing step of providing a first fee, which is the second fee minus a predetermined amount (guaranteed amount), to the administrator terminal 10, and a second providing step of transmitting the result of the payment processing acquired by the second acquisition step to the administrator terminal 10. That is, the information processing method can bill the payment terminal 20 for the second fee related to a predetermined object (e.g., rental property), obtain a guarantee amount related to the rental property accordingly, and provide the first fee related to the rental property to the manager terminal 10. In other words, the information processing method can, as an example, properly pay the first fee (e.g., rent, etc.) to the manager (or owner) of the property while guaranteeing the manager (or owner) the fee related to the rental of the property.

[0083] The information processing program enables the information processing device 40 (computer) to realize a first acquisition function of acquiring first information regarding the rental property from the manager terminal 10, a first billing function of transmitting second information about a second fee, which is a first fee based on the first information plus a predetermined amount (guarantee amount), to the payment terminal 20, a second acquisition function of acquiring a result of the payment processing from the payment terminal 20 when payment processing is performed in the payment terminal 20 based on the second information and the third information, and a third acquisition function of acquiring the second fee from the payment terminal 20 based on the result of the payment processing. In this case, the information processing program may cause the information processing device 40 (computer) to realize a first provision function of providing the first fee, which is the second fee minus a predetermined amount (guaranteed amount), to the administrator terminal 10, and a second provision function of transmitting the result of the payment processing acquired by the second acquisition function to the administrator terminal 10. That is, the information processing program can bill the payment terminal 20 for the second fee related to a predetermined object (e.g., rental property), and accordingly obtain a guaranteed amount related to the rental property, while providing the first fee related to the rental property to the manager terminal 10. In other words, as one example, the information processing program can properly pay the first fee (e.g., rent, etc.) to the manager (or owner) of the property while guaranteeing the manager (or owner) the fee related to the rental of the property.

[0084] Each unit of the information processing device 40 described above may be realized as a function of a computer arithmetic processing device or the like. That is, the first acquisition unit 42, the first request unit 43, the second acquisition unit 44, the third acquisition unit 45, the first provision unit 46, the second provision unit 47, the fourth acquisition unit 48, the third provision unit 49, the fourth provision unit 50, and the fifth provision unit 51 of the information processing device 40 may be realized as a first acquisition function, a first request function, a second acquisition function, a third acquisition function, a first provision function, a second provision function, a fourth acquisition function, a third provision function, a fourth provision function, and a fifth provision function, respectively, by a computer arithmetic processing device or the like. The information processing program can cause a computer to realize each of the above-mentioned functions. The information processing program may be recorded in a non-transitory computer-readable recording medium, such as an external memory or an optical disk. As described above, each unit of the information processing device 40 may be realized by a processing device of a computer or the like. The processing device or the like is, for example, configured by an integrated circuit or the like. For this reason, each unit of the information processing device 40 may be realized as a circuit constituting the processing device or the like. That is, the first acquisition unit 42, the first request unit 43, the second acquisition unit 44, the third acquisition unit 45, the first provision unit 46, the second provision unit 47, the fourth acquisition unit 48, the third provision unit 49, the fourth provision unit 50, and the fifth provision unit 51 of the information processing device 40 may be realized as a first acquisition circuit, a first request circuit, a second acquisition circuit, a third acquisition circuit, a first provision circuit, a second provision circuit, a fourth acquisition circuit, a third provision circuit, a fourth provision circuit, and a fifth provision circuit constituting the processing device of a computer or the like. The communication unit 52 of the information processing device 40 may be realized as a communication function including the functions of an arithmetic processing device, for example. The communication unit 52 of the information processing device 40 may be realized as a communication circuit by being configured with an integrated circuit, for example. The communication unit 52 of the information processing device 40 may be configured as a communication device by being configured with a plurality of devices, for example. In addition, the billing unit, acquisition unit and remittance processing unit of the information processing device 40 may be realized as a billing function, acquisition function and remittance processing function of a computer's arithmetic processing circuit, or may be configured as a billing circuit, acquisition circuit and remittance processing circuit of a computer's arithmetic processing circuit, etc. [Explanation of symbols]

[0085] 1. Information Processing Systems 10 Administrator terminal 20 Payment terminals 30 User terminal 40 Information processing device 41 Control section 42 First acquisition part 43 1st Requesting Department 44 Second acquisition part 45 Part 3 Acquisition 46 Section 1 47 Section 2 48 Part 4 Acquisition 49 Section 3 50 Section 4 51 Section 5 52 Ministry of Communications

Claims

1. An information processing device interposed between an administrator terminal used for managing a predetermined object and a payment terminal used for payment for the predetermined object, an information acquisition unit that acquires first information on a first fee related to a predetermined target from the administrator terminal; a first billing unit that transmits second information about a second fee obtained by adding a predetermined amount to the first fee based on the first information acquired by the information acquisition unit to the payment terminal; a fee acquisition unit that acquires a second fee corresponding to the second information from the payment terminal based on a result of the payment process in the payment terminal; An information processing device comprising:

2. a result acquisition unit that acquires a result of a payment process from the payment terminal when the payment process is performed at the payment terminal based on the second information transmitted to the payment terminal by the first billing unit and third information related to a usage limit of a fee held by the payment terminal; a first providing unit that provides a first fee obtained by subtracting the predetermined amount from the second fee acquired by the fee acquiring unit to an administrator terminal; a second providing unit that transmits the result of the settlement process acquired by the result acquiring unit to the administrator terminal; The information processing device according to claim 1 .

3. a fourth acquisition unit that acquires fourth information related to a payment method from a user terminal of a user who uses a predetermined object; a third providing unit that transmits to the user terminal fifth information regarding confirmation of a change to the payment method based on the fourth information acquired by the fourth acquisition unit when the second fee cannot be acquired by the fee acquisition unit based on the result of the payment processing acquired by the result acquisition unit; a fourth providing unit that, when sixth information related to a change in the payment method is acquired in response to the fifth information being transmitted to the user terminal by the third providing unit, transmits seventh information related to a change in the payment method to the payment terminal in response to the sixth information; The information processing device according to claim 2 .

4. and a fifth providing unit that provides the first fee to the administrator terminal when the fee obtaining unit is unable to obtain a second fee based on a result of the settlement process obtained by the result obtaining unit.

4. The information processing device according to claim 2 or 3.

5. The result acquisition unit acquires information indicating whether a credit limit for the payment amount has been secured for the credit card as a result of the payment process based on the third information.

5. The information processing device according to claim 2.

6. When the predetermined object is a rental property of real estate, the first billing unit transmits to the payment terminal second information on a second fee obtained by adding a guarantee amount for guaranteeing the rent of the rental property as a predetermined amount to the rent of the rental property as the first fee. The information processing device according to any one of claims 1 to 5.

7. An information processing device used to guarantee the payment obligations of various fees related to a specific transaction, A receiving unit for receiving amount information relating to the amounts of the various fees; a billing unit that transmits total amount information regarding a total amount obtained by adding a predetermined amount to the amount information; An acquisition unit that acquires a total amount according to the total amount information; a remittance processing unit that remits the amount of various fees obtained by subtracting the predetermined amount from the total amount acquired by the acquisition unit; An information processing device comprising:

8. An information processing system including an information processing device used to guarantee the payment obligation of various fees related to a specific transaction, a payment terminal for making payment settlement of various fees, and an administrator terminal for managing the target of the specific transaction, The information processing device includes: a receiving unit that receives amount information relating to the amounts of the various fees from the administrator terminal; a billing unit that transmits total amount information regarding a total amount obtained by adding a predetermined amount to the amount information to the payment terminal; an acquisition unit that acquires a total amount corresponding to the total amount information from the payment terminal; a remittance processing unit that remits to the manager terminal an amount of various fees obtained by subtracting the predetermined amount from the total amount acquired by the acquisition unit; An information processing system comprising:

9. An information processing method executed by an information processing device used when guaranteeing payment obligations for various fees related to a specific transaction, comprising: The information processing device, a receiving step of receiving amount information relating to the amounts of the various fees by a receiving unit; a billing step of transmitting total amount information regarding a total amount obtained by adding a predetermined amount to the amount information; An acquisition step of acquiring a total amount according to the total amount information; a remittance processing step of remitting the amount of various fees obtained by subtracting the predetermined amount from the total amount obtained in the acquisition step; An information processing method for performing the above.

10. An information processing program implemented in an information processing device used to guarantee the payment obligations of various fees related to a specific transaction, comprising: The information processing device includes: A receiving function for receiving amount information regarding the amount of each of the fees; a billing function for transmitting total amount information regarding a total amount obtained by adding a predetermined amount to the amount information; An acquisition function for acquiring a total amount according to the total amount information; a remittance processing function for remitting the amount of various fees obtained by subtracting the predetermined amount from the total amount acquired by the acquisition function; An information processing program that realizes this.

Images