Information processing device, information processing method, and program

Abstract

To provide a technique for effectively utilizing a remaining proxy repayment balance of a scholarship recipient or the like that is caused when proxy repayment is ended.SOLUTION: Proxy repayment information associated with information on registrants who canceled registration is registered as allocated pool money information and total allocated pool money information is tallied. Allocated money information per registrant is computed by dividing the total allocated pool money information by the number registered as registrant information, and the allocated money information is added to the proxy repayment information.SELECTED DRAWING: Figure 6

Description

[Technical field]

[0001] The present disclosure relates to an information processing device, an information processing method, and a program for supporting scholarship repayment. [Background technology]

[0002] Traditionally, scholarship systems that lend scholarships to people studying at universities and vocational schools have been implemented by, for example, the Japan Student Services Organization and local governments. Scholarship recipients who receive scholarships under these scholarship systems are required to repay the loans every month after getting a job at a company. According to a survey, it takes an average of 15.5 years to pay off a scholarship. This means that, for example, if a 22-year-old college graduate gets a job at a company, he or she will continue to repay the loan every month until he or she is about 37 years old. Therefore, since the loans are made every month from a time when salary income is low, the financial burden of repaying the loan is large for scholarship recipients.

[0003] In order to reduce the financial burden of scholarship recipients due to repayment, some companies have established a system whereby part or all of the repayment amount is added to the salary of the scholarship recipient as part of their employee benefits. In addition, the Japan Student Services Organization (JASSO) has implemented a scholarship repayment support (proxy repayment) system whereby companies repay scholarships on behalf of recipients. [Prior art documents] [Non-patent literature]

[0004] [Non-Patent Document 1] Corporate scholarship repayment support (proxy repayment) system, Japan Student Services Organization,<URL:https: / / www.jasso.go.jp / shogakukin / kigyoshien / index.html> Summary of the Invention [Problem to be solved by the invention]

[0005] Scholarship repayment assistance programs have been considered as a way to reduce the financial burden on scholarship recipients of repaying their scholarships. In scholarship repayment assistance programs, for example, a business introduces a scholarship recipient who is currently a student or a scholarship recipient who is currently repaying their scholarship to a company, etc., and receives an introduction fee from the company that hires the introduced scholarship recipient. The scholarship repayment assistance business then saves part or all of the introduction fee received from the company that hires the scholarship recipient through this program as a proxy repayment of the scholarship of the scholarship recipient who has been employed by the hiring company, and uses this pooled money as a source of funds to repay the scholarship on behalf of the scholarship recipient every month.

[0006] By implementing such scholarship repayment assistance programs, scholarship recipients who have been employed by a company or other organization can repay part or all of the scholarship they received by proxy, thereby reducing the financial burden of repaying the scholarship on these scholarship recipients.

[0007] However, during the implementation of the scholarship repayment assistance program, there are cases where a scholarship recipient who has been employed by a company through this program leaves the company. In such cases, the scholarship repayment assistance program may have no choice but to end the proxy repayment for the scholarship recipient. This results in a remaining proxy repayment amount (remaining proxy repayment amount) for the scholarship recipient whose proxy repayment has been terminated.

[0008] The present disclosure aims to provide a technique for effectively utilizing the remaining balance of a scholarship recipient's proxy repayment that arises upon the completion of proxy repayment for another scholarship recipient. [Means for solving the problem]

[0009] In order to solve the above problems, the information processing device disclosed herein comprises an agent repayment registration means for registering a part or all of the amount received from a business where a scholarship recipient is employed as agent repayment information for proxy repayment of the scholarship related to the scholarship recipient, in association with scholarship recipient information that can identify the scholarship recipient; an agent repayment reduction means for reducing the agent repayment information by proxy repayment; a deregistration means for deregistering the scholarship recipient information; an allocation pool registration means for registering the agent repayment information associated with the deregistered scholarship recipient information as allocation pool information; an allocation calculation means for calculating the allocation information per scholarship recipient by subtracting the number of registered scholarship recipient information from the total allocation pool information; and an allocation addition means for adding up the allocation information in association with the scholarship recipient information.

[0010] In addition, the information processing method disclosed herein is an information processing method executed by a computer, and includes an agency repayment registration process for registering a part or all of the amount received from the business where the scholarship recipient is employed as agency repayment information for proxy repayment of the scholarship related to the scholarship recipient in association with scholarship recipient information that can identify the scholarship recipient; an agency repayment reduction process for reducing the agency repayment information through the agency repayment; a deregistration process for deregistering the scholarship recipient information; a distribution pool registration process for registering the agency repayment information associated with the deregistered scholarship recipient information as distribution pool information; an allocation pool calculation process for calculating the allocation pool information per scholarship recipient by subtracting the number of registered scholarship recipient information from the total allocation pool information; and an allocation addition process for adding the allocation information in association with the scholarship recipient information.

[0011] In addition, the information processing program disclosed herein causes a computer to execute the following procedures: a proxy repayment registration procedure for registering a part or all of the amount received from the business where the scholarship recipient is employed as proxy repayment information for proxy repayment of the scholarship related to the scholarship recipient, in association with scholarship recipient information that can identify the scholarship recipient; a proxy repayment reduction procedure for reducing the proxy repayment information through the proxy repayment; a deregistration procedure for deregistering the scholarship recipient information; a distribution pool registration procedure for registering the proxy repayment information associated with the deregistered scholarship recipient information as distribution pool information; a distribution pool calculation procedure for calculating distribution information per scholarship recipient by subtracting the number of registered scholarship recipient information from the total distribution pool information; and a distribution addition procedure for adding up the distribution information in association with the scholarship recipient information. Effect of the Invention

[0012] According to the present disclosure, a technology can be provided for effectively utilizing the remaining amount of a scholarship recipient's proxy repayment that arises upon the completion of proxy repayment for another scholarship recipient. [Brief description of the drawings]

[0013] [Figure 1] FIG. 1 is a diagram showing an overview of a business model realized in an embodiment of the present disclosure. [Diagram 2] FIG. 1 is a diagram illustrating an example of an information processing system according to an embodiment of the present disclosure. [Diagram 3] FIG. 3(a) is a diagram showing an example of a member registration management screen, and FIG. 3(b) is a diagram showing an example of an employment situation management screen. [Figure 4] Figure 4(a) is a diagram showing an example of a proxy repayment recipient management screen, Figure 4(b) is a diagram showing an example of a proxy repayment money management screen, and Figure 4(c) is a diagram showing an example of a support status management screen. [Diagram 5] FIG. 5(a) is a diagram showing an example of a pooled money management screen, and FIG. 5(b) is a diagram showing an example of a pooled money deposit / withdrawal history management screen. [Figure 6] 13 is a flowchart showing an example of a return assistance process. [Figure 7] 13 is a flowchart showing an example of a pool money distribution process. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0014] Hereinafter, embodiments of the present disclosure will be described in detail with reference to the drawings. However, more detailed explanations than necessary, such as detailed explanations of already well-known matters and duplicate explanations of substantially the same configurations, may be omitted.

[0015] It should be noted that the following description and the drawings referred to are provided to enable those skilled in the art to understand the present disclosure, and are not intended to limit the scope of the claims of the present disclosure.

[0016] [Business model overview] An overview of a business model realized in an embodiment of the present disclosure will be described with reference to FIG.

[0017] Scholarship repayment assistance business 1 (hereinafter referred to as "repayment assistance business 1") shown in Figure 1 is a business that repays scholarships on behalf of scholarship recipients and scholarship recipients 2 (hereinafter collectively referred to as "scholarship recipients 2") who are currently repaying their scholarships. Repayment assistance business 1 also carries out a scholarship recipient introduction business that introduces scholarship recipients to companies.

[0018] In addition, scholarship recipient 2 is a student who has received a scholarship loan using the scholarship system, or a person who is currently repaying a scholarship (a person who has graduated from a university, etc.).

[0019] Furthermore, the universities etc. 3 are universities, junior colleges, technical colleges, vocational schools, etc. Furthermore, the scholarship provider 4 is, for example, the Japan Student Services Organization, an independent administrative institution, etc., which is an entity that provides scholarship loans.

[0020] In addition, the companies, etc. 5 are companies, countries, prefectures, municipalities, various corporations, etc., and are companies where scholarship students and people currently repaying their scholarships are employed. In addition, the licensed companies, etc. (licensees) 6 are companies, countries, prefectures, municipalities, various corporations, individuals, etc. that have concluded a prescribed license agreement with the scholarship introduction business 1.

[0021] Supporters 7 are companies, the nation, prefectures, municipalities, various corporations, and individuals that have made donations or provided funds to the return subsidy business operator 1. Trust bank 8 is the trust bank where the return subsidy business operator 1 deposits the proxy return money.

[0022] As shown in FIG. 1, in the business model according to the embodiment of the present disclosure, a scholarship recipient 2 is introduced to a repayment assistance business 1 by a university or the like 3 or a scholarship provider 4 (step S1).

[0023] The scholarship recipient 2 who has been introduced by the repayment assistance business 1 registers as a member with the repayment assistance business 1 (step S2).

[0024] The repayment subsidy business operator 1 introduces the scholarship recipient 2, who is registered as a member, to companies, etc. 5 (step S3). Note that it is assumed that the companies, etc. 5 to which the repayment subsidy business operator 1 introduces the scholarship recipient 2 have already concluded a contract for an introduction fee, etc., that must be paid to the repayment subsidy business operator 1 when the scholarship recipient 2 is employed by the company, etc.

[0025] The scholarship recipient 2 introduced by the repayment assistance business operator 1 is employed by the company 5, and the scholarship recipient is employed by the company 5 (step S4).

[0026] The repayment assistance business operator 1 receives a prescribed introduction fee from the company 5 where the introduced scholarship recipient 2 is employed (step S5).

[0027] In addition, the repayment assistance business operator 1 receives a request from a company 5, etc., where a scholarship recipient 2 other than the scholarship recipient 2 introduced by this business operator has been employed, to act as an agent for the repayment of the scholarship related to that scholarship recipient 2, and receives a specified repayment assistance fee from the company 5, etc., (step S6).

[0028] In addition, the return assistance business 1 concludes license agreements with companies, etc., that support this business, regarding the licensing of trademark rights, design rights, copyrights, etc., related to this business (step S7). The return assistance business 1 receives a prescribed license fee (license fee) from the license companies, etc., 6 with which the return assistance business 1 concludes license agreements (step S8).

[0029] In addition, the return assistance business operator 1 receives support money (donations and funding) from supporters 7 who support this project (step S9).

[0030] The repayment assistance business operator 1 deposits an amount corresponding to each of the referral fees, etc., repayment agency fees, etc., received from the companies, etc. 5, the license fees, etc., received from the license companies, etc. 6, and the support funds, etc., received from the supporters, etc. 7, as a proxy repayment in a trust bank 8 as a trust deposit (step S10). In the embodiment of the present disclosure, when one scholarship recipient 2 is employed by a company, etc. 5, for example, 360,000 yen of the referral fees received from the company, etc. 5 is used as the source of the proxy repayment and is deposited as a trust deposit for the source (accumulated in the current trust deposit). In addition, the proxy repayment other than the referral fees is deposited as a trust deposit for pooled funds. The amount of the source of the proxy repayment is not limited to 360,000 yen, and the amount of the source of the source of the proxy repayment may be determined arbitrarily by the repayment assistance business operator 1.

[0031] When the monthly scholarship repayment due date arrives, the trust bank 8 pays the scholarship repayment (scholarship repayment) for the scholarship recipient 2 designated by the repayment assistance business 1 to the scholarship provider 4 from the trust deposit (step S11). In the embodiment of the present disclosure, for example, 10,000 yen is paid as repayment for one scholarship recipient 2 every month. Therefore, as described above, when one scholarship recipient 2 finds employment at a company 5, 360,000 yen of the placement fee received from the company 5 is deposited as a trust deposit as the source of funds, and this source of funds is equivalent to three years' worth of repayments.

[0032] As described above, in the business model in the embodiment of the present disclosure, a repayment assistance business operator 1 carries out a repayment business on behalf of a scholarship recipient 2.

[0033] [Information Processing System] Next, an example of an information processing system according to an embodiment of the present disclosure will be described with reference to FIG.

[0034] An information processing system 10 relating to an embodiment of the present disclosure is composed of, for example, a repayment assistance terminal device 100 provided at a repayment assistance business operator 1, a terminal device 200 owned by a scholarship recipient 2, a terminal device 300 provided at a university etc. 3, a terminal device 400 provided at a scholarship provider 400, a terminal device 500 provided at a company etc. 5, a terminal device 600 provided at a licensed company etc. 6, and a terminal device 800 provided at a trust bank.

[0035] The terminal device 100 communicates with the other terminal devices 200 to 800 via a communication network NW. The communication network NW is composed of, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0036] Each of the terminal devices 100 to 800 is an information processing device, such as a personal computer, a smartphone, a tablet terminal, etc. Each of the terminal devices 100 to 800 is an information processing device that includes a CPU, a storage, a ROM, a RAM, an input / output I / F, a communication unit, a display unit, etc. Note that information processing devices are well-known technologies, so detailed description thereof will be omitted.

[0037] [Configuration of terminal device 100] The terminal device 100 provided at the repayment assistance business operator 1 functions as a repayment assistance processing unit 110. The repayment assistance processing unit 110 executes the repayment assistance processing by executing a repayment assistance processing program by a processor such as a CPU. The repayment assistance processing unit 110 is composed of a scholarship management unit 111, a proxy repayer management unit 112, a pooled fund management unit 113, and an allocation processing unit 114.

[0038] The scholarship recipient management department 111 manages the scholarship recipients 2 who are registered as members (see Figure 3(a)), and manages the job-hunting status of the scholarship recipients 2 until they find employment at a company 5 introduced by the repayment assistance provider 1 (see Figure 3(b)).

[0039] The proxy repayment management unit (proxy repayment registration means, proxy repayment reduction means) 112 manages scholarship recipients 2 who have been employed by companies etc. 5 introduced by repayment assistance business operators 1 as proxy repayment recipients (see FIG. 4(a)). It also manages the proxy repayments of scholarship recipients 2 who are managed as proxy repayment recipients (see FIG. 4(b)). It also manages the support status for proxy repayment for scholarship recipients 2 who are managed as proxy repayment recipients (see FIG. 4(c)).

[0040] The pooled money management unit (pooled money registration means for distribution, distribution amount tallying means, distribution amount adding means) 113 manages the pooled money to be distributed to the scholarship recipients 2 who are the subjects of proxy repayment. The pooled money management unit 113 manages the current total amount of the pooled money and the history of deposits and withdrawals of the pooled money (see Figures 5(a) and (b)).

[0041] The distribution processing unit (distribution calculation means) 114 performs processing to distribute the pooled funds to the scholarship recipients 2 who are the subjects of proxy repayment.

[0042] [Information managed by the return assistance processing unit 110] Here, the information managed by the return support processing unit 110 will be described with reference to FIGS.

[0043] First, Fig. 3(a) is an example of a member registration management screen that displays member information showing member information managed by the scholarship recipient management unit 111 in the repayment assistance processing unit 110. As shown in this figure, the scholarship recipient management unit 111 manages, for each scholarship recipient 2, the member number (member ID), name, name of the school currently attended (or name of the company currently employed), name of the scholarship company that is providing the scholarship, and member attribute information (address, gender, age, telephone number, email address, etc.).

[0044] 3(b) is an example of a job-hunting status management screen that displays job-hunting status information showing the job-hunting status of members managed by the scholarship recipient management unit 111. As shown in this figure, the scholarship recipient management unit 111 manages, for each scholarship recipient 2, the member number (member ID), name, name of the school currently attended (or name of the company currently employed), and employment status at the companies introduced by the repayment assistance business 1.

[0045] 4(a) is an example of a proxy return recipient management screen that displays proxy return recipient information showing information on proxy return recipients managed by the proxy return management unit 112 in the return assistance processing unit 110. As shown in this figure, the proxy return management unit 112 manages, for each proxy return recipient, the member number (member ID), name, name of the company of employment, etc., date of joining, employment confirmation result, employment confirmation date, period of employment at the company, etc.

[0046] When scholarship recipient 2 finds employment at a company introduced by repayment assistance business operator 1, proxy repayment management unit 112 registers this scholarship recipient 2 as a person eligible for proxy repayment. Here, scholarship recipient 2, who was previously managed by scholarship recipient management unit 111, is now managed by proxy repayment management unit 112 as a person eligible for proxy repayment. The member ID remains the same as the member ID assigned to scholarship recipient 2 when he or she registered as a member. Therefore, for example, a person in charge can search by member ID to extract and display the entire history of that member ID, or extract and display only a portion of the information.

[0047] 4(b) is an example of an agency refund management screen that displays agency refund information showing the breakdown of the agency refund of the proxy refund recipient managed by the agency refund management unit 112. The agency refund management unit 112 manages the member number (member ID), name, and agency refund breakdown for each proxy refund recipient. It also manages the agency refund amount up to the present time (refund amount), the remaining amount of the agency refund at the present time (remaining amount), the source amount of the agency refund (source amount), and the allocated amount (allocated amount) as the agency refund breakdown.

[0048] 4(c) is an example of a support status management screen that displays support status information showing the support status of a proxy return recipient managed by the proxy return management unit 112. The proxy return management unit 112 manages the membership number (member ID), name, support period, etc. for each proxy return recipient. It also manages the support period, including the current supportable period for the proxy return recipient, the support period up to the current time, the remaining support period at the current time (remaining period), the basic support period (basic period), and the additional support period (additional period).

[0049] Here, for example, if the original funds based on the referral fees received from the company etc. 5 are 360,000 yen, from which 10,000 yen is paid as a refund every month to the scholarship provider 4, the basic period will be 36 months. The additional period is the period during which additional support is possible due to the refund added according to the allocated amount in the pooled funds allocation process (see Figure 7) described below. For example, if the amount allocated up to the present time is 90,000 yen, the monthly refund paid is 10,000 yen, so the additional period will be 9 months. The supportable period is the sum of the basic period and the additional period, and the remaining period is the supportable period minus the support period.

[0050] 5(a) is an example of a pooled money management screen that displays pooled money total information showing the current total amount of pooled money managed by pooled money management unit 113 in return assistance processing unit 110. Pooled money management unit 113 manages the current total amount of pooled money (pooled money total) and the breakdown of the pooled money. The breakdown of the pooled money managed includes the remaining amount of retirees (remaining scholarship return subsidy amount) from the time of subtraction of the allocated amount in the pooled money distribution process (see FIG. 7) described later to the present time, license fees, donations, carryover funds, etc. The carryover funds are the amount remaining after subtracting the allocated amount in the pooled money distribution process (see FIG. 7) described later.

[0051] FIG. 5(b) is an example of a pooled money deposit and withdrawal history management screen that displays pooled money deposit and withdrawal history information showing the history of deposits and withdrawals of pooled money up to the present that is managed by the pooled money management unit 113 in the return assistance processing unit 110. The pooled money management unit 113 manages the date when the deposit or withdrawal occurred, the major category, the minor category, the transaction amount, and the counterparty. As the major category, deposit, allocation, withdrawal (resignation), etc. are input as information showing what the transaction of the pooled money is for. In addition, as the minor category, license fees, funding, retiree balance, donations, etc. are input as information showing the details of the transaction of the pooled money. The total amount based on the history of deposits and withdrawals of pooled money up to the present will match the pooled money total shown in FIG. 5(a). In addition, the total amount of each minor category from the last allocation to the present will be the total amount of the breakdown corresponding to each minor category shown in FIG. 5(a).

[0052] [Return assistance processing] Next, an example of the return support process executed by the return support processor 110 will be described with reference to FIG. 6 and FIG.

[0053] FIG. 6 is a flowchart showing an example of the return assistance process.

[0054] First, in step S11, the repayment assistance processing unit 110 determines whether or not the scholarship recipient 2 has applied to join. If the repayment assistance processing unit 110 determines that the scholarship recipient 2 has applied to join (YES), the processing proceeds to step S12. On the other hand, if the repayment assistance processing unit 110 determines that the scholarship recipient 2 has not applied to join (NO), the processing proceeds to step S13. The scholarship recipient 2 who wishes to join applies for membership, for example, by accessing the website of the repayment assistance business operator 1 and entering the necessary information, etc., for member registration on a member registration screen.

[0055] If the repayment assistance processing unit 110 determines that the scholarship recipient 2 has applied to join (S11: YES), then in step S12 the scholarship recipient management unit 111 performs a registration process to register the scholarship recipient 2 as a member.

[0056] In step S12, the scholarship recipient management unit 111 displays the details etc. related to the membership application entered on the membership registration screen. Here, the contents of the membership application are checked by a person in charge at the repayment assistance business operator 1. If the person in charge etc. determines that there are no problems with membership through their check, then in response to the registration operation by the person in charge etc., the scholarship recipient management unit 111 registers the member information of the scholarship recipient 2 who has applied for membership as a member (see Figure 3(a)). When the registration process by the scholarship recipient management unit 111 is completed, the repayment assistance processing unit 110 terminates the repayment assistance process.

[0057] Next, in step S13, the repayment assistance processing unit 110 determines whether or not the scholarship recipient 2 has applied to withdraw. If the repayment assistance processing unit 110 determines that the scholarship recipient 2 has applied to withdraw (YES), the processing proceeds to step S14. On the other hand, if the repayment assistance processing unit 110 determines that the scholarship recipient 2 has not applied to withdraw (NO), the processing proceeds to step S15. The scholarship recipient 2 who wishes to withdraw can, for example, access the website of the repayment assistance business 1 and apply for withdrawal via a withdrawal procedure screen.

[0058] If the repayment assistance processing unit 110 determines that there has been a withdrawal application from scholarship recipient 2, who is a member (S13: YES), then in step S14, the scholarship recipient management unit 111 carries out the withdrawal process for scholarship recipient 2. Here, after the content of the withdrawal application is confirmed by a person in charge, etc., in response to the withdrawal operation by the person in charge, etc., the scholarship recipient management unit 111 deletes the membership information of scholarship recipient 2 who has requested withdrawal. When the withdrawal process by scholarship recipient management unit 111 has ended, the repayment assistance processing unit 110 ends the repayment assistance process.

[0059] In addition, in the flowchart of the repayment assistance process shown in Figure 6, the update process of the job hunting status of members managed by the scholarship recipient management unit 111 is omitted. However, if there is progress in the job hunting status of each member, the job hunting status information will be updated appropriately by a person in charge during this repayment assistance process (see Figure 3 (b)).

[0060] Next, in step S15, the repayment assistance processing unit 110 determines whether or not an introduction fee has been received from the company 5 where the introduced scholarship recipient 2 has been employed. If the repayment assistance processing unit 110 determines that an introduction fee has been received (YES), the processing proceeds to step S16. On the other hand, if the repayment assistance processing unit 110 determines that an introduction fee has not been received (NO), the processing proceeds to step S17.

[0061] 6 omits the process of registering members managed by the proxy repayment management unit 112 as proxy repayment recipients, but when a member, scholarship recipient 2, finds employment at a company or the like 5, this scholarship recipient 2 is registered as a proxy repayment recipient. In this repayment assistance process, the person in charge or the like appropriately registers this as proxy repayment recipient information (see FIG. 4(a)).

[0062] When the return assistance processing unit 110 determines that the introduction fee has been deposited (YES), the proxy return management unit 112 performs the original fund deposit process in step S16. Here, when the person in charge checks the bank account of the return assistance business 1 and confirms the deposit of the introduction fee, a process is performed to deposit a part or all of the amount as a trust deposit for the original fund in the trust bank 8. In addition, the amount of original fund in the proxy return money information of the proxy return target who is the subject of the deposit of the introduction fee is registered (see FIG. 4(b)). In the embodiment of the present disclosure, when the introduced scholarship recipient 2 is employed by a company, etc. 5, the introduction fee received from the company, etc. 5 is deducted from the administrative fee, and for example, 360,000 yen is deposited as a trust deposit for the original fund in the trust bank 8 as the original fund of the scholarship return subsidy of this scholarship recipient 2, and is registered as the amount of original fund of the proxy return target. When the original fund deposit process is completed, the return assistance processing unit 110 terminates the return assistance process.

[0063] Next, in step S17, the return support processing unit 110 determines whether or not there has been a license fee from the licensing company, etc. 6, or a deposit (deposit of license fee, etc.) from a donation or funding from the supporter, etc. 7. If the return support processing unit 110 determines that a license fee, etc. has been deposited (YES), the process proceeds to step S19. On the other hand, if the return support processing unit 110 determines that a license fee, etc. has not been deposited (NO), the process proceeds to step S18.

[0064] Next, in step S18, the repayment assistance processing unit 110 determines whether the scholarship recipient 2 who has been employed by a company, etc. 5 has left the company, etc. 5. If the repayment assistance processing unit 110 determines that the scholarship recipient 2 has left the company, etc. 5 (YES), the processing proceeds to step S19. On the other hand, if the repayment assistance processing unit 110 determines that the scholarship recipient 2 has not left the company, etc. 5 (NO), the processing proceeds to step S20.

[0065] If the repayment assistance processing unit 110 determines in step S17 that the license fees, etc. have been deposited (YES), or if it determines in step S18 that the scholarship recipient 2 has left the company 5, etc. (YES), the repayment assistance processing unit 110 performs pooled money processing in step S19 using the pooled money management unit 113. Here, if the person in charge, etc. confirms that the license fees, etc. have been deposited, a predetermined amount obtained by subtracting an administrative fee from the received license fees, etc. is deposited as a trust deposit for pooled money in the trust bank 8 as pooled money to be added to the source of the scholarship repayment subsidy for the scholarship recipient 2. In addition, the person in charge, etc. registers the predetermined amount obtained by subtracting an administrative fee from the license fees, etc. as the amount added to the pooled money as pooled money deposit / withdrawal history information (see FIG. 5(b)), and the total pooled money information is updated in conjunction with this registration (see FIG. 5(a)).

[0066] Furthermore, when a person in charge or the like confirms that scholarship recipient 2 has left company 5 or the like, in response to the removal operation by the person in charge or the like, the remaining amount of the scholarship repayment subsidy associated with this scholarship recipient 2 is calculated (for example, remaining period x 10,000 yen) and registered as pooled fund deposit / withdrawal history information (see Figure 5(b)), and the total pooled fund information is updated in conjunction with this registration (see Figure 5(a)). When pooled fund processing by pooled fund management unit 113 is completed, repayment assistance processing unit 110 terminates the repayment assistance processing.

[0067] Next, in step S20, the repayment assistance processing unit 110 determines whether or not it is the scholarship repayment due date (the due date set each month). If the repayment assistance processing unit 110 determines that it is the scholarship repayment due date (YES), it proceeds to step S21. On the other hand, if it determines that it is not the scholarship repayment due date (NO), it proceeds to step S22.

[0068] When the repayment assistance processing unit 110 determines in step S20 that it is the scholarship repayment due date (YES), in step S21, the proxy repayment management unit 112 performs the scholarship repayment process. Here, for example, information on the scholarship recipient 2 registered as a proxy repayment recipient (such as name and registration ID with the scholarship provider 4), information on the scholarship provider 4 (such as business name and transfer account), and information indicating the repayment amount (10,000 yen) are sent to the trust bank 8 as scholarship repayment payment request information. Based on the sent scholarship repayment payment request information, the repayment amount and remaining amount in the proxy repayment information are updated (see FIG. 4(b)), and the support period and remaining period in the support status information are updated. When the scholarship repayment process by the proxy repayment management unit 112 is completed, the repayment assistance processing unit 110 ends the repayment assistance process.

[0069] In addition, upon receiving the scholarship repayment request information, the trust bank 8 pays the scholarship repayment (scholarship repayment) related to the scholarship recipient 2 to the designated scholarship provider 4 from the trust deposit of the repayment assistance provider 1.

[0070] Next, in step S22, the return assistance processing unit 110 judges whether or not it is the pooled money distribution due date. If the return assistance processing unit 110 judges that it is the pooled money distribution due date (YES), it proceeds to step S23. On the other hand, if it judges that it is not the pooled money distribution due date (NO), it ends the return assistance processing. Note that in the embodiment of the present disclosure, the pooled money distribution due date comes every three months, for example.

[0071] When the return support processing unit 110 determines in step S22 that it is the pooled money distribution due date (YES), the return support processing unit 110 performs pooled money distribution processing in step S23.

[0072] FIG. 7 is a flowchart showing an example of the pooled money distribution process.

[0073] First, in step S231, the distribution processing unit 114 refers to the total amount (PA) of the pooled money pooled since the previous pooled money distribution. Here, the distribution processing unit 114 refers to the total pooled money in the total pooled money information (see FIG. 5(a)).

[0074] Next, in step S232, the distribution processing unit 114 counts the number of proxy return recipients (HM) who have been registered for three months or more. Here, the distribution processing unit 114 refers to the enrollment period in the proxy return recipient information, and counts the number of proxy return recipients who have been enrolled for three months or more (see FIG. 5(a)).

[0075] Next, in step S233, the distribution processing unit 114 calculates the distribution amount (AA) per proxy return recipient (AA=PA / HM).

[0076] Next, in step S234, the allocation processing unit 114 judges whether the allocation amount (AA) per proxy return recipient is 30,000 (30,000 yen) or more. If the allocation processing unit 114 judges that the allocation amount (AA) per proxy return recipient is 30,000 or more (YES), the processing proceeds to step S235. On the other hand, if the allocation processing unit 114 judges that the allocation amount (AA) per proxy return recipient is not 30,000 or more (NO), the pooled money allocation processing ends. Note that if the allocation processing unit 114 judges that the allocation amount (AA) per proxy return recipient is not 30,000 or more, the pooled money is not distributed to the proxy return recipients in this pooled money distribution processing, and the pooled money is carried over until the next pooled money distribution due date.

[0077] If the allocation processing unit 114 determines that the allocation amount (AA) per proxy repayment recipient is 30,000 or more (YES), then in step S235 the allocation processing unit 114 adds three months to the additional support period (additional period) in the support status information of proxy repayment recipients who have been registered for three months or more (see FIG. 4(c)), and adds 30,000 yen to the allocation amount in the proxy repayment information of proxy repayment recipients who have been registered for three months or more (see FIG. 4(b)). Note that if there is a proxy repayment recipient with less than three months remaining in the proxy repayment period of the scholarship, the allocation amount in the proxy repayment information of the proxy repayment recipient is increased by 10,000 yen or 20,000 yen according to the remaining period.

[0078] Next, in step S236, the distribution processing unit 114 calculates the pool balance after distribution and registers it as the carryover amount (KK). Here, the distribution processing unit 114 calculates the pool balance after distribution by subtracting the total distribution amount obtained by multiplying the number of people to whom the current distribution is made (the number of people eligible for proxy return who have been registered for three months or more) by the distribution amount (30,000 yen) from the total pool amount (PA). Then, the pool balance is registered as the carryover amount (KK) in the total pool amount information (see FIG. 5(a)).

[0079] Next, in step S237, the distribution processing unit 114 calculates the capital addition amount by subtracting the remaining amount of retirees, which is a breakdown of the total pooled money amount (PA), from the current distribution amount (30,000 x HM). Then, it performs processing for the trust bank 8 to move (add) the capital addition amount from the trust deposit for the pooled money to the trust deposit for the capital. By performing this processing, the trust deposit for the capital is increased by the capital addition amount. After processing step S237, the distribution processing unit 114 terminates the pooled money distribution processing.

[0080] Returning to FIG. 6, when the pooled money distribution process in the distribution process unit 114 is completed, the return assistance process unit 110 ends the return assistance process.

[0081] As described above, according to an embodiment of the present disclosure, in the course of implementing the scholarship repayment subsidy project, the remaining amount of the proxy repayment amount accrued due to a scholarship recipient, etc. who has been employed by a company through this project leaving the company can be distributed to registered scholarship recipients. In addition, according to the embodiment of the present disclosure, it is possible to extend the period of scholarship repayment from the initial period. Therefore, for scholarship recipients who wish to reduce the burden of scholarship repayment as much as possible, it is possible to further reduce the burden of scholarship repayment by registering with a scholarship repayment assistance business that operates the embodiment of the present disclosure and finding employment at a company, etc. introduced by this business. In addition, for companies, etc. that employ scholarship recipients, by partnering with this business, it is possible to increase the corporate value of the company, etc., as a company, etc. that is actively implementing efforts toward the Sustainable Development Goals (SDGs) (for example, Sustainable Development Goals 1, 4, 8, 10).

[0082] Although the embodiments of the present disclosure have been described above, the present disclosure is not limited to the embodiments, and various modifications and changes are possible within the scope of the gist of the present disclosure described in the claims.

[0083] [Other embodiments] Here, the following notes are further disclosed regarding the embodiments of the present disclosure.

[0084] [Appendix 1] an agent repayment registration means for registering a part or all of an introduction fee received from a business where a scholarship recipient is employed by introducing the scholarship recipient to the business as agent repayment amount information indicating an agent repayment amount for the agent repayment of the scholarship related to the scholarship recipient in association with registrant information indicating the scholarship recipient; an agent refund reduction means for reducing the agent refund information associated with the registrant information by the agent refund and registering the reduced amount; A deregistration means for deregistrating the registrant information; a pooled fund registration means for registering the proxy refund information associated with the deregistered registrant information as pooled fund information; a distribution pool fund totaling means for totaling distribution pool fund total information indicating the total of the distribution pool fund based on the distribution pool fund information; an allocation calculation means for calculating allocation information per registrant by subtracting the number registered as the registrant information from the total allocation pool information; a distribution amount adding means for adding the distribution amount information to the proxy refund amount information associated with the registrant information; An information processing device comprising:

[0085] [Appendix 2] 1. A computer-implemented information processing method, comprising: an agent repayment registration step of registering part or all of the introduction fee received from a business where the scholarship recipient is employed by introducing the scholarship recipient to the business as agent repayment amount information indicating the agent repayment amount for the agent repayment of the scholarship related to the scholarship recipient in association with the registrant information indicating the scholarship recipient; a proxy refund reduction step of reducing the proxy refund information associated with the registrant information by the proxy refund and registering the reduced amount; a deregistration step of deregistrating the registrant information; a pooled fund for distribution registration step of registering the proxy refund information associated with the registrant information whose registration has been cancelled as pooled fund for distribution information; a distribution pool fund total information indicating a total of the distribution pool fund based on the distribution pool fund information; a distribution amount calculation step of calculating distribution amount information per registrant by subtracting the number registered as the registrant information from the distribution pool total information; a distribution amount adding step of adding the distribution amount information to the proxy refund amount information associated with the registrant information; An information processing method comprising the steps of:

[0086] [Appendix 3] an agent repayment registration procedure for registering a part or all of an introduction fee received from a business where a scholarship recipient is employed by introducing the scholarship recipient to a business as agent repayment amount information indicating an agent repayment amount for the agent repayment of the scholarship related to the scholarship recipient in association with registrant information indicating the scholarship recipient; a proxy refund reduction procedure for reducing the proxy refund information associated with the registrant information by the proxy refund and registering the reduced amount; A deregistration procedure for deregistrating the registrant information; a allocation pool fund registration step of registering the proxy refund information associated with the deregistered registrant information as allocation pool fund information; a distribution pool fund total information indicating a total of the distribution pool fund based on the distribution pool fund information; a distribution amount calculation step of calculating distribution amount information per registrant by subtracting the number registered as the registrant information from the distribution pool total information; a distribution amount addition step of adding the distribution amount information to the proxy refund amount information associated with the registrant information; An information processing program that causes a computer to execute the above.

[0087] [Variations] In the embodiment of the present disclosure, steps S12, S14, S16, S19, etc. in the return assistance process shown in Fig. 6 are processes involving personnel, etc. However, this is not limited to this, and some or all of these processes may be executed by a computer. In addition, in such a case, the processes may be executed using artificial intelligence that has been trained by machine learning.

[0088] In the embodiment of the present disclosure, the proxy return management unit 112 manages the details of the proxy return amount of the proxy return recipient (see FIG. 4(b)). However, this is not limited to the above, and for example, only the remaining amount may be managed, or the remaining amount and other amounts may be managed.

[0089] Furthermore, in an embodiment of the present disclosure, the proxy return management unit 112 manages proxy return information indicating the breakdown of the proxy return amount of the proxy return recipient (see FIG. 4(b)). However, this is not limited to the above, and it is also possible not to manage this proxy return information. Even in such a case, it is possible to calculate the breakdown of the proxy return amount of the proxy return recipient at the current time (for example, remaining amount = remaining period 28 months x 10,000 yen) based on the support status information (FIG. 4(c)) indicating the support status of the proxy return recipient managed by the proxy return management unit 112.

[0090] Also, in an embodiment of the present disclosure, the proxy return management unit 112 manages the support status information of the proxy return recipient (see FIG. 4(c)). However, this is not limiting, and it is also possible not to manage this support status information. Even in such a case, it is possible to calculate the current support status information of the proxy return recipient (for example, remaining period = remaining amount 280,000 yen / 10,000 yen) based on the proxy return amount information (FIG. 4(b)) that shows the breakdown of the proxy return amount of the proxy return recipient managed by the proxy return management unit 112.

[0091] In the embodiment of the present disclosure, the trust deposit for the pooled money is deposited separately from the trust deposit for the proxy return. However, the present disclosure is not limited to this, and the proxy return and the pooled money may be deposited together.

[0092] The technology of the present disclosure can be embodied in various forms, such as an information processing system, an information processing device, an information processing method, a program, or a recording medium. For example, a program for implementing the software may be provided as a non-transitory recording medium readable by a computer, or may be provided so as to be downloadable from an external server. In addition, the program may be provided by cloud computing, in which an order processing program is started by an external computer (e.g., a cloud server, etc.) and the function of the return assistance processing unit 110 is implemented on a client terminal. [Explanation of symbols]

[0093] 100 Terminal Equipment 110 Return Assistance Processing Department 111 Scholarship Recipient Management Department 112 Agent Return Management Department 113 Pool Management Department 114 Allocation Processing Unit

Claims

1. a proxy repayment registration means for registering a part or all of the amount received from the business where the scholarship recipient is employed as proxy repayment information for the proxy repayment of the scholarship related to the scholarship recipient in association with scholarship recipient information that can identify the scholarship recipient; an agent refund reduction means for reducing the agent refund information by the agent refund; a cancellation means for cancelling the registration of the scholarship recipient information; a pooled fund allocation registration means for registering the proxy return information associated with the scholarship recipient information whose registration has been cancelled as pooled fund allocation information; a distribution pool fund totaling means for totaling distribution pool fund total information based on the distribution pool fund information; an allocation calculation means for calculating allocation information per scholarship recipient by subtracting the number of registered scholarship recipients from the total allocation pool information; a distribution amount addition means for adding up the distribution amount information in association with the scholarship recipient information; An information processing device comprising:

2. The distribution amount calculation means Calculate the distribution information for each scholarship recipient based on the arrival of a preset collection period. The information processing device according to claim 1 .

3. The distribution amount adding means is If the distribution amount information per scholarship recipient is equal to or greater than a preset distribution allowance amount, the amount is added in association with the scholarship recipient information.

3. The information processing device according to claim 1 or 2.

4. The pooled money registration means includes: Registering a part or all of the license fees received from the licensee as the distribution pool information 3. The information processing device according to claim 1 or 2.

5. The pooled money registration means includes: A part or all of the support money received from the supporters is registered as the distribution pool information.

3. The information processing device according to claim 1 or 2.

6. The distribution amount calculation means When calculating the distribution information per scholarship recipient, those whose registration period for the scholarship recipient information is a predetermined period or longer are included in the calculation target.

3. The information processing device according to claim 1 or 2.

7. 1. A computer-implemented information processing method, comprising: a proxy repayment registration step of registering part or all of the amount received from the business where the scholarship recipient is employed as proxy repayment information for the proxy repayment of the scholarship related to the scholarship recipient in association with scholarship recipient information that can identify the scholarship recipient; an agent refund reduction step of reducing the agent refund information by the agent refund; a deregistration step of deregistering the scholarship recipient information; a distribution pool registration step of registering the proxy return information associated with the scholarship recipient information whose registration has been cancelled as distribution pool information; a distribution pool fund total information calculation step for calculating distribution pool fund total information based on the distribution pool fund information; an allocation calculation step of calculating allocation information per scholarship recipient by subtracting the number of registered scholarship recipients from the total allocation pool information; a step of adding up the allocation information in association with the scholarship recipient information; An information processing method comprising the steps of:

8. a proxy repayment registration procedure for registering part or all of the amount received from the business where the scholarship recipient is employed as proxy repayment information for the proxy repayment of the scholarship related to the scholarship recipient in association with scholarship recipient information that can identify the scholarship recipient; a proxy refund reduction procedure for reducing the proxy refund information by proxy refund; A deregistration procedure for deregistering the scholarship recipient information; a allocation pool registration step for registering proxy return information associated with the scholarship recipient information whose registration has been cancelled as allocation pool information; a distribution pool fund total information calculation step for calculating distribution pool fund total information based on the distribution pool fund information; an allocation calculation step of calculating allocation information per scholarship recipient by subtracting the number of registered scholarship recipients from the total allocation pool information; a distribution amount addition step of adding the distribution amount information in correspondence with the scholarship recipient information; An information processing program that causes a computer to execute the above.

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