System, program, method, and information processing device

Abstract

To provide a system for improving convenience of a hometown tax donation program.SOLUTION: A system comprises a first information processing device and a second information processing device. The first information processing device includes: means for acquiring settlement information for donations relating to a hometown tax donation program; means for setting up an amount of money based on an amount of a donation as a loan, for a person who made the donation on the basis of the settlement information; means for setting up a repayment amount on and after a month when tax deduction begins, in a year following the donation, for the person who made the donation, by dividing the loan by a prescribed number of times; and means for transmitting information relating to the loan including the repayment amount to a second information processing device. The second information processing device includes: means for providing the person who made the donation with the setup loan in the next month of the donation; and means for providing the person who made the donation with money equal to an amount obtained by subtracting the repayment amount from an original amount as salary a prescribed number of times on and after the month when the tax deduction begins in the year following the donation.SELECTED DRAWING: Figure 23

Description

[Technical Field]

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

[0002] A service has been developed that accepts donations related to hometown tax payments and settles donations over the Internet (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2018-067246 Summary of the Invention [Problem to be solved by the invention]

[0004] In Patent Document 1, users who make donations through hometown tax can have the amount of the donation deducted from their resident tax and income tax, but they must first pay the donation to the designated local government. Therefore, initial capital is required, and some people give up on hometown tax because they do not have this capital. This makes the system less convenient.

[0005] The purpose of this disclosure is to improve the convenience of hometown tax donations. [Means for solving the problem]

[0006] In a system comprising a first information processing device and a second information processing device, the first information processing device comprises: means for acquiring payment information for donations related to hometown tax; means for granting a loan to the person who made the donation in an amount based on the amount of the donation based on the payment information; means for setting a repayment amount for the person who made the donation from the month in which tax deductions begin in the year following the donation by dividing the loan into a predetermined number of installments; and means for transmitting information regarding the loan, including the repayment amount, to the second information processing device; and means for granting the set loan to the person who made the donation in the month following the donation; and means for granting the person who made the donation an amount equal to the original amount minus the repayment amount as salary for a predetermined number of installments from the month in which tax deductions begin in the year following the donation. [Effects of the Invention]

[0007] According to the present disclosure, the convenience of hometown tax donations can be improved. [Brief explanation of the drawings]

[0008] [Figure 1] 1 is a block diagram showing an example of the overall configuration of a system 1. FIG. [Figure 2] 2 is a block diagram illustrating an example of the configuration of a terminal device 10 shown in FIG. [Figure 3] FIG. 2 is a diagram illustrating an example of a functional configuration of a first server 20. [Figure 4] FIG. 2 is a diagram illustrating an example of a functional configuration of a second server 30. [Figure 5] FIG. 2 is a diagram illustrating an example of the functional configuration of a third server 40. [Figure 6] FIG. 2 is a diagram showing the data structure of a user information table 2021. [Figure 7] FIG. 2 is a diagram showing the data structure of a recruitment information table 2022. [Figure 8] FIG. 10 is a diagram showing the data structure of a detailed information table 2023. [Figure 9] FIG. 10 is a diagram showing the data structure of a payment information table 2024. [Figure 10] FIG. 4 is a diagram showing the data structure of an employee information table 4021. [Figure 11] FIG. 10 is a diagram showing the data structure of a salary information table 4022. [Figure 12] FIG. 10 is a diagram showing the data structure of a loan information table 4023. [Figure 13] 1 is a schematic diagram illustrating an example of the configuration of a system 1 according to the present embodiment. [Figure 14] FIG. 10 is a diagram illustrating an example of the operations of the first server 20, the second server 30, and the third server 40 when a company employee makes a hometown tax donation. [Figure 15] FIG. 10 is a diagram illustrating an example of the operation of the first server 20 and the third server 40 when a company lends money related to hometown tax donations to an employee. [Figure 16] FIG. 10 is a schematic diagram showing an example of a pay slip presented to an employee. [Figure 17] 10 is a flowchart showing an example of the operation of the third server 40 when making an employee repay money related to hometown tax donations. [Figure 18] FIG. 10 is a schematic diagram showing an example of a pay slip presented to an employee. [Figure 19] FIG. 10 is a schematic diagram illustrating another example of the configuration of the system 1 according to the present embodiment. [Figure 20] FIG. 10 is a diagram illustrating an example of the operation of the first server 20 and the third server 40 when a company employee makes a hometown tax donation. [Figure 21] FIG. 10 is a schematic diagram showing an example of a payment input form presented to an employee. [Figure 22] 10 is a flowchart showing an example of the operation of the third server 40 when a company lends money related to hometown tax donations to an employee. [Figure 23] FIG. 10 is a schematic diagram illustrating another example of the configuration of the system 1 according to the present embodiment. [Figure 24] FIG. 10 is a diagram showing the data structure of a loan information table 2025. [Figure 25] FIG. 10 is a diagram illustrating an example of the operation of the first server 20 and the third server 40 when a company lends money related to hometown tax donations to an employee. [Figure 26] FIG. 10 is a schematic diagram showing an example of a screen displayed to an employee. [Figure 27] FIG. 10 is a schematic diagram showing an example of a payment input form presented to an employee. [Figure 28] FIG. 2 is a block diagram showing the basic hardware configuration of a computer 90. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, embodiments of the present disclosure will be described with reference to the drawings. In the following description, the same components are denoted by the same reference numerals. The names and functions of the components are also the same. Therefore, detailed descriptions thereof will not be repeated.

[0010] <Summary> The system according to this embodiment supports users who belong to a payer (e.g., a company) in making hometown tax donations. The user, as an employee, makes a hometown tax donation through a hometown tax donation intermediary site (hometown tax donation portal site) associated with the company. When the user makes a donation, the system loans the user money based on the amount of the donation from the company. The system allows the user to repay the loaned money from the salary paid by the company when taxes are deducted in the year following the donation. As a result, the user, as an employee, pays the hometown tax donation using money borrowed from the company, and the borrowed money is repaid from the tax deductions. This eliminates the need for users to prepare cash to make hometown tax donations, making hometown tax donations more convenient.

[0011] <1 Overall system configuration> Fig. 1 is a block diagram showing an example of the overall configuration of a system 1. The system 1 shown in Fig. 1 includes, for example, a terminal device 10, a first server 20, a second server 30, and a third server 40. The terminal device 10, the first server 20, the second server 30, and the third server 40 are communicatively connected via, for example, a network 80.

[0012] 1 is, for example, an information processing device operated by a user. The terminal device 10 is realized by, for example, a mobile terminal such as a smartphone or a tablet. The terminal device 10 may be a desktop personal computer (PC) or a laptop PC. The terminal device 10 may also be a wearable terminal such as an HMD (Head Mount Display) or a wristwatch terminal.

[0013] The terminal device 10 includes a communication IF (Interface) 12, an input device 13, an output device 14, a memory 15, a storage 16, and a processor 19. The input device 13 is a device for receiving input operations from a user (for example, a touch panel, a touch pad, a pointing device such as a mouse, a keyboard, etc.). The output device 14 is a device for presenting information to a user (a display, a speaker, etc.).

[0014] 1 shows an example in which the system 1 includes one terminal device 10, but the number of terminal devices 10 included in the system 1 is not limited to two. The number of terminal devices 10 included in the system 1 may be less than three, or may be three or more.

[0015] The first server 20 is, for example, an information processing device that enables users who belong to a payer (e.g., a company) to make hometown tax payments without having to prepare cash. The first server 20 is, for example, managed by a service provider that offers hometown tax payments that do not require the preparation of cash. The first server 20 accepts selections regarding hometown tax donations in accordance with instructions from employees of the company receiving the service. The first server 20 acquires payment information for hometown tax donations made by employees and provides information based on the acquired payment information to the system of the company to which the employees belong.

[0016] The first server 20 is, for example, an information processing device realized by a computer connected to a network 80. As shown in Fig. 1, the first server 20 includes a communication IF 22, an input / output IF 23, a memory 25, a storage 26, and a processor 29. The input / output IF 23 functions as an input device for receiving input operations from a user and as an interface with an output device for outputting information to the user.

[0017] 1, a collection of multiple devices may be considered as one first server 20. The way in which multiple functions required to realize the first server 20 according to this embodiment are allocated to one or multiple pieces of hardware can be determined appropriately in consideration of the processing capacity of each piece of hardware and / or the specifications required for the first server 20.

[0018] The second server 30 is, for example, an information processing device that executes hometown tax payment settlements on behalf of local governments. The second server 30 is, for example, managed by a service provider that provides a service that handles hometown tax payment settlements. The second server 30, for example, accepts conditions such as a desired tax amount (donation amount) or a return gift from a user. The second server 30 lists and displays hometown tax donation offers that match the input conditions from among those offered by multiple local governments. The user makes a hometown tax donation online by selecting the desired offer and making payment using a predetermined means. Payment using a predetermined means includes, for example, credit card payment.

[0019] The second server 30 is, for example, an information processing device realized by a computer connected to the network 80. The second server 30 has, for example, the same configuration as the first server 20 in FIG.

[0020] 1, a collection of multiple devices may be treated as one second server 30. The way in which multiple functions required to realize the second server 30 according to this embodiment are allocated to one or multiple pieces of hardware can be determined appropriately in consideration of the processing capacity of each piece of hardware and / or the specifications required for the second server 30.

[0021] The third server 40 is, for example, an information processing device that manages salary information at the payer of the salary. The third server 40 is, for example, managed by a company that receives services related to hometown tax donations, which do not require the preparation of cash. The third server 40, for example, receives payment information from the employee regarding hometown tax donations from the first server 20, and lends money in an amount based on the amount donated. The third server 40 calculates the repayment amount on the payday based on the loan amount and the number of repayments. The third server 40 collects the calculated amount from the salary to be paid to the employee.

[0022] The third server 40 is, for example, an information processing device realized by a computer connected to the network 80. The third server 40 has, for example, the same configuration as the first server 20 in FIG.

[0023] 1, a collection of multiple devices may be treated as one third server 40. The way in which multiple functions required to realize the third server 40 according to this embodiment are allocated to one or multiple pieces of hardware can be determined appropriately in consideration of the processing capacity of each piece of hardware and / or the specifications required for the third server 40.

[0024] Each information processing device is configured by a computer equipped with an arithmetic unit and a storage device. The basic hardware configuration of the computer and the basic functional configuration of the computer realized by the hardware configuration will be described later. For each of the terminal device 10, the first server 20, the second server 30, and the third server 40, descriptions that overlap with the basic hardware configuration and basic functional configuration of the computer will be omitted.

[0025] <1.1 Terminal device configuration> Fig. 2 is a block diagram showing an example configuration of the terminal device 10 shown in Fig. 1. As shown in Fig. 2, the terminal device 10 includes a communication unit 120, an input device 13, an output device 14, an audio processing unit 17, a microphone 171, a speaker 172, a camera 160, a position information sensor 150, a storage unit 180, and a control unit 190. The blocks included in the terminal device 10 are electrically connected by, for example, a bus or the like.

[0026] The communication unit 120 performs processing such as modulation and demodulation for the terminal device 10 to communicate with other devices. The communication unit 120 performs transmission processing on the signal generated by the control unit 190 and transmits it to the outside (for example, the first server 20). The communication unit 120 performs reception processing on the signal received from the outside and outputs it to the control unit 190.

[0027] The input device 13 is a device for inputting instructions or information by a user operating the terminal device 10. The input device 13 is realized, for example, by a touch-sensitive device 131 or the like, which inputs instructions by touching an operation surface. When the terminal device 10 is a PC or the like, the input device 13 may be realized by a reader, keyboard, mouse, or the like. The input device 13 converts instructions input by the user into electrical signals and outputs the electrical signals to the control unit 190. The input device 13 may include, for example, a receiving port that receives electrical signals input from an external input device.

[0028] The output device 14 is a device for presenting information to a user operating the terminal device 10. The output device 14 is realized, for example, by a display 141 or the like. The display 141 displays data according to the control of the control unit 190. The display 141 is realized, for example, by an LCD (Liquid Crystal Display) or an organic EL (Electro-Luminescence) display or the like.

[0029] The audio processing unit 17 performs, for example, digital-to-analog conversion processing of an audio signal. The audio processing unit 17 converts a signal provided from the microphone 171 into a digital signal and provides the converted signal to the control unit 190. The audio processing unit 17 also provides the audio signal to the speaker 172. The audio processing unit 17 is realized, for example, by a processor for audio processing. The microphone 171 receives audio input and provides an audio signal corresponding to the audio input to the audio processing unit 17. The speaker 172 converts the audio signal provided from the audio processing unit 17 into audio and outputs the audio to the outside of the terminal device 10.

[0030] The camera 160 is a device that receives light with a light receiving element and outputs the light as an image capturing signal.

[0031] The position information sensor 150 is a sensor that detects the position of the terminal device 10, and is, for example, a GPS (Global Positioning System) module. The GPS module is a receiving device used in a satellite positioning system. In the satellite positioning system, signals are received from at least three or four satellites, and the current position of the terminal device 10 equipped with the GPS module is detected based on the received signals. The position information sensor 150 may detect the current position of the terminal device 10 from the position of the wireless base station to which the terminal device 10 is connected.

[0032] The storage unit 180 is realized by, for example, the memory 15, the storage 16, etc., and stores data and programs used by the terminal device 10. The storage unit 180 stores, for example, user information 181.

[0033] The user information 181 includes, for example, information about the user who uses the terminal device 10. The information about the user includes, for example, the user's name, age, address, date of birth, contact information, and the like.

[0034] The control unit 190 is realized by the processor 19 reading a program stored in the storage unit 180 and executing instructions included in the program. The control unit 190 controls the operation of the terminal device 10. The control unit 190 functions as an operation reception unit 191, a transmission / reception unit 192, and a display control unit 194 by operating in accordance with the program.

[0035] The operation reception unit 191 performs processing for receiving instructions or information input from the input device 13. Specifically, for example, the operation reception unit 191 receives instructions or information input from the touch-sensitive device 131 or the like.

[0036] Furthermore, the operation reception unit 191 receives voice instructions input from the microphone 171. Specifically, for example, the operation reception unit 191 receives a voice signal that is input from the microphone 171 and converted into a digital signal by the voice processing unit 17. For example, the operation reception unit 191 analyzes the received voice signal and extracts a predetermined noun, thereby acquiring an instruction from the user.

[0037] The transmitting / receiving unit 192 performs processing for the terminal device 10 to transmit and receive data to and from an external device such as the first server 20 in accordance with a communication protocol. Specifically, for example, the transmitting / receiving unit 192 transmits information input by a user or instructions from a user to the first server 20. In addition, the transmitting / receiving unit 192 receives information provided from the first server 20.

[0038] The display control unit 193 controls the output device 14 to display to the user the information provided by the first server 20. Specifically, for example, the display control unit 193 causes the display 141 to display information related to the return gift transmitted from the first server 20.

[0039] <1.2 Functional configuration of the first server> 3 is a diagram illustrating an example of the functional configuration of the first server 20. As illustrated in FIG. 3, the first server 20 functions as a communication unit 201, a storage unit 202, and a control unit 203.

[0040] The communication unit 201 performs processing for the first server 20 to communicate with external devices.

[0041] The storage unit 202 includes, for example, a user information table 2021, a recruitment information table 2022, a detailed information table 2023, and a payment information table 2024. The tables stored in the storage unit 202 are not limited to these.

[0042] The user information table 2021 is a table that stores information about users, and will be described in detail later.

[0043] The recruitment information table 2022 is a table that stores information related to hometown tax donation recruitment. Details will be described later. The information stored in the recruitment information table 2022 is the recruitment information stored in the second server 30 that is transmitted to the first server 20 at a predetermined timing and stored therein. The predetermined timing is, for example, as follows. -Predetermined period - At a designated time - When the user accessed the related site

[0044] The detailed information table 2023 is a table that stores detailed information about the hometown tax donation solicitation. Details will be described later. The information stored in the detailed information table 2023 is stored by transmitting the detailed information stored in the second server 30 to the first server 20 at a predetermined timing. The predetermined timing is, for example, the same as the timing when the solicitation information is transmitted from the second server 30.

[0045] The payment information table 2024 is a table that stores information about donations that have been paid. Details will be described later. The information stored in the payment information table 2024 is information about donations that have been paid by the second server 30. The second server 30 transmits the payment information to the first server 20, for example, at a predetermined timing. The predetermined timing is, for example, as follows. -Predetermined period - At a designated time - A specific date When payment is completed

[0046] The control unit 203 is realized by the processor 29 reading a program stored in the storage unit 202 and executing instructions included in the program. The control unit 203 operates in accordance with the program to perform functions shown as a reception control module 2031, a transmission control module 2032, a linking module 2033, and an extraction module 2034.

[0047] The reception control module 2031 controls the process in which the first server 20 receives a signal from an external device in accordance with a communication protocol.

[0048] The transmission control module 2032 controls the process in which the first server 20 transmits a signal to an external device in accordance with a communication protocol.

[0049] The link module 2033 links with the second server 30 and handles part of the procedures related to hometown tax donations. Specifically, when the link module 2033 receives access from, for example, a company employee as a user, it presents to the user information that is read and stored from the second server 30 and that allows the user to select a hometown tax donation solicitation. The user selects a solicitation based on the presented information. When the user selects a solicitation, the link module 2033 directs the user to a payment form displayed by the second server 30.

[0050] The extraction module 2034 extracts information about a desired company from the information stored in the payment information table 2024. Specifically, for example, when the payment of a donation is completed, the second server 30 transmits the payment information to the first server 20. The payment information table 2024 stores, for example, payment information about employees of multiple companies. The extraction module 2034 extracts payment information associated with a target company from the payment information stored in the payment information table 2024. The extraction module 2034 provides the extracted payment information to the third server 40 related to the target company. When there are multiple target companies, the extraction module 2034 classifies the payment information based on, for example, company ID.

[0051] <1.3 Functional configuration of the second server> 4 is a diagram illustrating an example of the functional configuration of the second server 30. As illustrated in FIG. 4, the second server 30 functions as a communication unit 301, a storage unit 302, and a control unit 303.

[0052] The communication unit 301 performs processing for the second server 30 to communicate with external devices.

[0053] The storage unit 302 has, for example, a recruitment information table 3021, a detailed information table 3022, a payment information table 3023, etc. The tables stored in the storage unit 302 are not limited to these. For example, the storage unit 302 may store a table that stores information about users who receive services provided by the second server 30.

[0054] The solicitation information table 3021 is a table that stores information related to the solicitation of hometown tax donations. The information stored in the solicitation information table 3021 is transmitted to the first server 20 at a predetermined timing.

[0055] The detailed information table 3022 is a table that stores detailed information about the hometown tax donation solicitation. The information stored in the detailed information table 3022 is transmitted to the first server 20 at a predetermined timing.

[0056] The payment information table 3023 is a table that stores information about donations that have been paid. The payment information table 3023 stores information about completed payments. The information stored in the payment information table 3023 is sent to the first server 20 at a predetermined timing. The payment information table 3023 may store payment information of users other than employees of companies that are the target of the services provided by the first server 20. The second server 30 may not send payment information that is not associated with the target company to the first server 20.

[0057] The control unit 303 is realized by the processor reading a program stored in the storage unit 302 and executing instructions included in the program. By operating in accordance with the program, the control unit 303 performs functions shown as a reception control module 3031, a transmission control module 3032, a linkage module 3033, and a payment module 3034.

[0058] The reception control module 3031 controls the process in which the second server 30 receives a signal from an external device in accordance with a communication protocol.

[0059] The transmission control module 3032 controls the process in which the second server 30 transmits a signal to an external device in accordance with a communication protocol.

[0060] The linking module 3033 links with the first server 20 and is responsible for part of the procedures related to hometown tax donations. Specifically, the linking module 3033 transmits recruitment information stored in the recruitment information table 3021 to the first server 20, for example, at a predetermined timing. The linking module 3033 also transmits detailed information stored in the detailed information table 3022 to the first server 20, for example, at a predetermined timing. The linking module 3033 also accepts access to a payment form from a user guided by the first server 20.

[0061] The payment module 3034 executes the payment of hometown tax donations. Specifically, the payment module 3034 executes the payment when, for example, the user selects a hometown tax donation solicitation and inputs instructions for donation payment from the user. The donation is paid by credit card, for example. When the payment is completed, the payment module 3034 stores information about the completed payment as payment information in the payment information table 3023. When the payment module 3034 stores the payment information in the payment information table 3023, it transmits the stored payment information to the first server 20. Furthermore, the payment module 3034 may transmit the payment information stored in the payment information table 3023 to the first server 20 at a predetermined timing.

[0062] <1.4 Functional configuration of the third server> 5 is a diagram illustrating an example of the functional configuration of the third server 40. As illustrated in FIG. 5, the third server 40 functions as a communication unit 401, a storage unit 402, and a control unit 403.

[0063] The communication unit 401 performs processing for the third server 40 to communicate with external devices.

[0064] The storage unit 402 includes, for example, an employee information table 4021, a salary information table 4022, and a loan information table 4023. The tables stored in the storage unit 402 are not limited to these.

[0065] The employee information table 4021 is a table that stores information about employees, the details of which will be described later.

[0066] The salary information table 4022 is a table that stores information about the salary of employees. Details will be described later.

[0067] The loan information table 4023 is a table that stores information about money loaned to employees. Details will be described later.

[0068] The control unit 403 is realized by the processor reading a program stored in the storage unit 402 and executing instructions included in the program. The control unit 403 operates in accordance with the program to perform functions shown as a reception control module 4031, a transmission control module 4032, a setting module 4033, and an assignment module 4034.

[0069] The reception control module 4031 controls the process in which the third server 40 receives a signal from an external device in accordance with a communication protocol.

[0070] The transmission control module 4032 controls the process in which the third server 40 transmits a signal to an external device in accordance with a communication protocol.

[0071] The setting module 4033 sets information related to payroll in the payroll system of the company that receives the service provided by the first server 20. Specifically, for example, the setting module 4033 sets the amount of money to be loaned to an employee in the payroll system based on the payment information of the hometown tax donation made by the employee. The setting module 4033 also sets the payroll system so that repayment of the money loaned in return for the hometown tax donation will begin from the month in which the resident tax for the following year is finalized.

[0072] The granting module 4034 grants salaries to employees based on information set in the payroll system. Specifically, for example, the granting module 4034 pays salaries to employees based on information set in the payroll system. Also, for example, the granting module 4034 lends money based on the donation amount in the month following the hometown tax donation based on the information set in the payroll system. As a result, the money based on the donation amount debited from the employee's bank account is offset by the loaned money.

[0073] Furthermore, the granting module 4034 causes the loaned amount of money to be repaid from the month in which the next year's resident tax is determined, based on the information set in the payroll system.

[0074] <2 Data Structure> 6 to 9 are diagrams showing the data structures of tables stored in the first server 20. FIGS. 10 to 12 are diagrams showing the data structures of tables stored in the third server 40. Note that the tables stored in the second server 30 are similar to the tables stored in the third server 40, and therefore a description thereof will be omitted here. Also, FIGS. 6 to 12 are merely examples, and do not exclude data that is not listed. Furthermore, data that is listed in the same table may be stored in separate storage areas in the storage unit.

[0075] Fig. 6 is a diagram showing the data structure of the user information table 2021. The user information table 2021 shown in Fig. 6 is a table having columns such as password, name, age, date of birth, gender, and address, with company ID and user ID as keys.

[0076] The company ID is an item that stores an identifier for uniquely identifying a company. The user ID is an item that stores an identifier for uniquely identifying a user. The password is an item that stores a password required when a user logs in to a service provided by the first server 20. The name is an item that stores the name of the user. The age is an item that stores the age of the user. The date of birth is an item that stores the date of birth of the user. The gender is an item that stores the gender of the user. The address is an item that stores the location of the user.

[0077] Fig. 7 is a diagram showing the data structure of the recruitment information table 2022. The recruitment information table 2022 shown in Fig. 7 is a table having columns such as a local government, a return gift, and a hometown tax payment amount, with a hometown tax payment ID as a key.

[0078] The hometown tax donation ID is an item that stores an identifier for uniquely identifying a hometown tax donation solicitation. The local government is an item that stores the name of the local government that is soliciting hometown tax donations. The return gift is an item that stores a return gift for those who make a hometown tax donation. The hometown tax donation amount is an item that stores the amount of the hometown tax donation.

[0079] Fig. 8 is a diagram showing the data structure of the detailed information table 2023. The detailed information table 2023 shown in Fig. 8 is a table having a column of detailed information, with the hometown tax payment ID as a key.

[0080] The detailed information is an item that stores detailed information about the hometown tax donation being solicited. The detailed information includes, for example, information describing the return gift. The information describing the return gift includes, for example, text data describing the return gift and image data related to the return gift.

[0081] Figure 9 is a diagram showing the data structure of the payment information table 2024. The payment information table 2024 shown in Figure 9 is a table having columns such as payment date, payment type, hometown tax payment ID, company ID, and employee ID, with donation history ID as a key.

[0082] The donation history ID is an item that stores an identifier for uniquely identifying a payment related to hometown tax donations. The payment date is an item that stores the date on which the payment related to hometown tax donations was made. The payment type is an item that stores the type of payment that was made. Examples of payment types include credit card payment, company advance payment, etc.

[0083] Fig. 10 is a diagram showing the data structure of the employee information table 4021. The employee information table 4021 shown in Fig. 10 is a table having columns such as name, age, date of birth, sex, and address, with the employee ID as a key.

[0084] Fig. 11 is a diagram showing the data structure of salary information table 4022. Salary information table 4022 shown in Fig. 11 is a table having columns of salary information, with employee ID as a key. Salary information table 4022 may be stored in a payroll system, for example.

[0085] The salary information is an item for storing information related to employee salaries, including salary amounts, deductions, loan amounts, repayment amounts, etc.

[0086] Fig. 12 is a diagram showing the data structure of the loan information table 4023. The loan information table 4023 shown in Fig. 12 is a table having columns such as loan date, loan type, and loan amount, with employee ID as a key.

[0087] The loan date is an item that stores the date on which money was loaned. The loan type is an item that stores the type of loan. In this embodiment, there are loans related to hometown tax donations and loans (normal) that are not related to hometown tax donations. The loan amount is an item that stores the amount loaned.

[0088] <3 operations> The operation of the first server 20, the second server 30, and the third server 40 in the service that allows hometown tax donations even if you do not have funds on hand will be described.

[0089] 13 is a schematic diagram illustrating an example of the configuration of the system 1 according to this embodiment. In the following explanation, a case will be described in which a company uses a service related to hometown tax payment provided by a service provider that manages the first server 20.

[0090] (Furusato tax donation payment processing) FIG. 14 is a diagram illustrating an example of the operation of the first server 20, the second server 30, and the third server 40 when a company employee makes a hometown tax donation. In the following explanation, the company has a contract with a service provider that manages the first server 20. The company sets up a page on the first server 20 that employees can use when making hometown tax donations. The company displays a link to the set page on, for example, a corporate portal that employees can access.

[0091] 14, when a company employee uses hometown tax payment, the employee operates the terminal device 10 and accesses a page for services related to hometown tax payment provided by the first server 20 from a link displayed on the company portal. The user operates the terminal device 10 and enters, for example, his / her employee ID and password.

[0092] In step S11, the first server 20 determines whether the user is an employee using the linking module 2033. Specifically, for example, the linking module 2033 accepts login information input by the user. For example, the linking module 2033 acquires a company ID from a link accessed by the user. The linking module 2033 compares the company ID, employee ID, and password with the information stored in the user information table 2021, and determines that the user is an employee of the company that provides the service. Note that the employee may be required to input information about the company (company ID) when logging in.

[0093] If it is determined in step S12 that the access is from an employee, the linking module 2033 presents information to the employee to allow them to select a hometown tax donation solicitation, for example, based on the information stored in the solicitation information table 2022 and the detailed information table 2023. The linking module 2033 may present information about a specific solicitation in preference to information about other solicitations. For example, the linking module 2033 sets a solicitation to be presented to the employee preferentially from multiple solicitations as a recommended solicitation. The solicitation to be given preference may be based, for example, on a request from a local government. The solicitation to be given preference may also be based on the number of accesses from users, donation history, etc.

[0094] The employee searches for job postings based on the information provided. The employee also searches for a desired gift by, for example, entering keywords related to the gift.

[0095] In step S13, when the employee finds a desired recruitment and selects the recruitment, the link module 2033 guides the employee to a payment form displayed by the second server 30.

[0096] In step S14, the second server 30 accepts access from the employee guided from the first server 20 via the linking module 3033. The linking module 3033 receives information about the donation selected by the employee from the first server 20. The second server 30 executes payment processing for the donation selected by the employee via the payment module 3034. The payment module 3034 stores information about the payment processing in the payment information table 3023 as payment information.

[0097] When receiving guidance from the employee from the first server 20, the second server 30 may request the employee to log in to a service provided by the second server 30.

[0098] In step S15, the payment module 3034 transmits the payment information stored in the payment information table 3023 to the first server 20. When the payment module 3034 stores the payment information in the payment information table 3023, it may transmit the payment information to the first server 20. When the payment module 3034 stores a predetermined amount of payment information in the payment information table 3023, it may transmit the payment information to the first server 20. When a predetermined date or time arrives, the payment module 3034 may transmit the payment information stored in the payment information table 3023 to the first server 20.

[0099] For example, the payment module 3034 transmits only the payment information related to the service provided by the first server 20 from among the payment information stored in the payment information table 3023 to the first server 20. The payment module 3034 may transmit all of the payment information from among the payment information stored in the payment information table 3023 to the first server 20.

[0100] When the linking module 2033 receives the payment information from the second server 30, it may request a predetermined remuneration from the second server 30 based on the received payment information. The predetermined remuneration may include, for example, a predetermined percentage of the commission to the second server 30 incurred by the service provided by the first server 20. The predetermined remuneration may also be based on the number of procedures incurred by the service provided by the first server 20.

[0101] (Loan Processing) 15 is a diagram illustrating an example of the operation of the first server 20 and the third server 40 when a company lends money related to hometown tax donations to an employee. In FIG. 15, the first server 20 receives payment information transmitted from the second server 30 and stores the received payment information in the payment information table 2024.

[0102] In step S21, the first server 20 uses the extraction module 2034 to extract desired information from the payment information stored in the payment information table 2024. Specifically, for example, on a predetermined day of the month, the extraction module 2034 extracts the payment information stored in the payment information table 2024 based on the company ID and classifies it by company.

[0103] When all payment information has been transmitted from the second server 30, the extraction module 2034 may extract payment information related to the service to be provided. For example, the extraction module 2034 may delete payment information that does not have a company ID attached.

[0104] In step S22, the transmission control module 2032 transmits the payment information to the target company. Specifically, the transmission control module 2032 transmits, for example, payment information categorized by company to the third server 40 belonging to the corresponding company. Note that the transmission here includes uploading data to a specified shared data folder and downloading the data from the data folder.

[0105] In step S23, the third server 40 sets the amount to be loaned to the employee based on the received payment information using the setting module 4033. The setting module 4033 sets the loan amount based on the amount paid by the employee based on the payment information. More specifically, the setting module 4033 sets the loan amount to the same amount as the amount paid by the employee. The setting module 4033 stores the amount set for the loan in the loan information table 4023.

[0106] In step S24, the third server 40 uses the granting module 4034 to pay the employee a salary based on the salary information table 4022. The granting module 4034 also lends a set amount of money to the employee based on the loan information table 4023. The granting module 4034 may pay the salary and lend the money simultaneously, or at different times. However, it is desirable that the money be lent to the employee before the payment of the donation settled by credit card is made. This is so that the withdrawal for the following month can be completed even if the employee does not have cash on hand when making the hometown tax donation.

[0107] The grant module 4034, for example, in response to a request from an employee, presents a statement of the paid salary to the employee. The statement of the salary includes, for example, the amount of the loan provided for making a hometown tax donation.

[0108] 16 is a schematic diagram showing an example of a pay slip presented to an employee. The terminal device 10 operated by the employee displays, for example, a pay slip for the employee. The terminal device 10, for example, specifies the loan amount as "Loan amount related to hometown tax payment" in the area 1411 representing "Other" for the salary.

[0109] (Repayment processing) FIG. 17 is a flowchart showing an example of the operation of the third server 40 when making an employee repay money related to hometown tax donations.

[0110] In step S31, the setting module 4033 determines whether a tax deduction due to hometown tax donations will be made in the year following the year following the hometown tax donation. Specifically, for example, the setting module 4033 receives a resident tax determination notice from a local government in the year following the year following the hometown tax donation. The setting module 4033 determines whether a deduction due to hometown tax donations has occurred in the resident tax and income tax. The setting module 4033 determines whether a deduction due to hometown tax donations has occurred based on, for example, the deduction amount. If notified that a deduction due to hometown tax donations has occurred, the setting module 4033 may determine that a deduction has occurred based on this notification. The setting module 4033 may also determine whether a deduction has occurred based on input from an employee. If a deduction due to hometown tax donations has occurred, the setting module 4033 transitions the process to step S32.

[0111] The setting module 4033 may proceed to step S32 regardless of whether or not a deduction for hometown tax payment is available. In other words, the setting module 4033 may proceed to step S32 regardless of whether or not a resident tax determination notice is received. This makes it possible to have the employee repay the loaned money even if the employee did not declare the hometown tax payment donation in the previous year's tax return.

[0112] In step S32, the setting module 4033 sets the loan repayment method. Specifically, the setting module 4033 sets the number of loan repayments and the amount of each repayment based on the loan amount stored in the loan information table 4023. In the normal processing of this embodiment, the setting module 4033 sets the number of repayments and the repayment amount in the salary information table 4022 so that the loan is repaid within one year to which the tax amount after deductions is applied. For example, the setting module 4033 sets the number of repayments to 12 monthly installments and the repayment amount to the loan amount divided by 12. The setting module 4033 stores the set number of repayments and repayment amount in the salary information table 4022.

[0113] If the employee wishes to repay the loan in a predetermined number of installments (less than 12 installments), the setting module 4033 sets the number of loan repayments and the amount of each installment in the salary information table 4022 so that the loan can be repaid in the desired number of installments. For example, if the employee wishes to repay the loan in one installment, the salary information table 4022 is set so that the loan amount will be repaid in a lump sum in a predetermined month (for example, the first month) among the months in which the determined tax amount is applied.

[0114] In step S33, the third server 40 uses the granting module 4034 to pay salaries to employees based on the salary information table 4022. For employees who have loans to repay, the granting module 4034 deducts the amount required for repayment from the pay amount to determine the amount to be transferred.

[0115] The grant module 4034 responds to an employee's request and provides the employee with a statement of the salary paid, which may include, for example, the amount of loan repayment.

[0116] 18 is a schematic diagram showing an example of a pay slip presented to an employee. The terminal device 10 operated by the employee displays, for example, a pay slip for the employee. For example, the terminal device 10 clearly indicates the repayment amount for the loaned money as "Repayment amount related to hometown tax donation" in the area 1411 representing "Other" regarding the salary.

[0117] The granting module 4034 may display on the statement the tax amount with deductions (e.g., resident tax, income tax) and the tax amount without deductions. The tax amount without deductions is calculated by the setting module 4033, for example, based on last year's income. If only the loan repayment amount is displayed on the statement, employees may be under the illusion that they are suffering losses due to hometown tax donations. By displaying the tax amount without deductions on the statement, employees can compare the deduction amount with the repayment amount, making it easier for them to understand that they are not suffering losses due to hometown tax donations.

[0118] As described above, in the above embodiment, the control unit 203 acquires payment information for donations related to hometown tax payments using the extraction module 2034. The control unit 403 uses the granting module 4034 to lend money to the person who made the donation based on the payment information, in an amount based on the amount of the donation. The granting module 4034 repays the loaned money in a predetermined number of installments from the donor's salary, starting from the month in which tax deductions begin in the year following the donation. This allows users who are paid by the same salary provider to pay donations related to hometown tax payments using the borrowed money. The user can then repay the borrowed money from the tax deductions. This allows users to make hometown tax payments even if they do not have cash on hand.

[0119] Therefore, the system according to this embodiment can improve the convenience of hometown tax donations.

[0120] In the above embodiment, the granting module 4034 divides the loaned amount by 12 and repays the amount from the monthly salary of the donor. As a result, if the loaned amount is less than the donated amount, the repayment amount of the loaned amount is less than the tax deduction amount, so the user can use the hometown tax payment system without paying their own money.

[0121] In the above embodiment, if the total amount of donations and the total amount of loans are the same, the granting module 4034 will repay the amount of money corresponding to the tax deduction from the salary of the person who made the donation. As a result, the tax deduction amount and the repayment amount of the loaned money are roughly offset except for the 2,000 yen self-payment, so the user can use the hometown tax donation system without paying any money other than the 2,000 yen self-payment.

[0122] In the above embodiment, the granting module 4034 displays the amount of money loaned based on the hometown tax donation on the pay slip. This allows the user to know the amount of money borrowed simply by checking the pay slip. It also allows the user to compare the amount with the amount of money they donated.

[0123] In the above embodiment, the granting module 4034 displays the repayment amount of the loaned money on the pay slip, which allows the user to know how much they have repaid simply by checking their pay slip.

[0124] In the above embodiment, the granting module 4034 displays the tax amount before deduction, the tax amount after deduction, and the repayment amount. This allows the user to check whether or not making a hometown tax donation will cause any damage to themselves. In other words, the convenience of hometown tax donations can be improved.

[0125] In the above embodiment, the linking module 2033 displays information about hometown tax donation solicitations, and displays information about hometown tax donation solicitations of a specific municipality more preferentially than information about other municipalities. This allows the linking module 2033 to strongly introduce to users solicitations that should be of interest to them.

[0126] In addition, in the above embodiment, the collaboration module 2033 displays information about the hometown tax donation solicitation of the local government that accepted the request more preferentially than information about other local governments. This allows service providers who collaborate with companies to make hometown tax donations more convenient to receive rewards from the local government, which makes it possible to imagine a profitable business model.

[0127] <Modification> In the above embodiment, an example has been described in which the first server 20 and the second server 30 work together to settle hometown tax donations. However, the first server 20 and the second server 30 do not necessarily need to work together. For example, the first server 20 may have the functionality of the payment module 3034 of the second server 30. In other words, a service provider that manages the first server 20 may provide a settlement agency service for hometown tax donations. This eliminates the need to send payment information from the second server 30 to the first server 20, making it possible to further simplify the procedure.

[0128] In the above embodiment, an example has been described in which an employee pays the money for the donation and the third server 40 lends the money to the employee. However, the payment of the money for the donation does not have to be from the employee. For example, the company receiving the service may pay the money for the donation to the service provider.

[0129] For example, consider a case where a service provider managing the first server 20 provides a settlement agency service for hometown tax donations. In this case, for example, the settlement module 2035 possessed by the first server 20 pays the money related to the employee's donation on behalf of the company. When the company receives the settlement information, it pays the service provider the same amount of money as the service provider paid. The company lends the employee the same amount of money as the amount paid to the service provider.

[0130] FIG. 19 is a schematic diagram showing another example of the configuration of the system 1 according to this embodiment. In the following explanation, a case will be described in which the service provider managing the first server 20 also provides a payment agency service for hometown tax donations. In this case, the first server 20 acquires recruitment information from a local government, for example. Furthermore, the first server 20 acquires detailed information from the local government or creates the detailed information based on the recruitment information.

[0131] (Furusato tax donation payment processing) FIG. 20 is a diagram illustrating an example of the operation of the first server 20 and the third server 40 when a company employee makes a hometown tax donation. In the following description, the company has a contract with a service provider that manages the first server 20. The company sets up a page on the first server 20 that employees can use when making hometown tax donations. The company displays a link to the set page on, for example, a corporate portal that employees can access.

[0132] 20, when a company employee uses the hometown tax payment service, the employee operates the terminal device 10 and accesses a page for the hometown tax payment service provided by the first server 20 from a link displayed on the company portal. The user operates the terminal device 10 and enters, for example, his or her own employee ID and password.

[0133] In step S11, the first server 20 determines whether the user is an employee using the provision module. The provision module is a module that provides information regarding the hometown tax donation solicitation to the employee who accesses the server. The provision module is provided in place of the linkage module 2033 shown in FIG. 13 when the service provider that manages the first server 20 also provides a payment agency service related to hometown tax donations.

[0134] In step S12, if it is determined that the access is from an employee, the provision module presents the employee with information to allow them to select a hometown tax donation solicitation, for example, based on information stored in the solicitation information table 2022 and the detailed information table 2023.

[0135] The employee searches for job postings based on the information provided. The employee also searches for a desired gift by, for example, entering keywords related to the gift.

[0136] In step S16, when the employee finds a desired posting and selects it, the payment module 2035 presents the employee with a form for inputting information related to payment.

[0137] 21 is a schematic diagram showing an example of a payment input form presented to an employee. For example, the terminal device 10 displays, in area 1412, information about the recruitment selected by the employee and a button 14121 for inputting instructions to apply for payment. If there are no problems with the selected recruitment, the employee presses button 14121.

[0138] When button 14121 is pressed, the payment module 2035 prompts the employee to select a payment method. That is, the employee selects whether they wish to make payment using a loan or without using a loan.

[0139] 21, when button 14121 is pressed, terminal device 10 displays window 1413 for selecting a payment method. Window 1413 displays checkbox 14131 for selecting whether the employee wishes to settle using a loan or not, and button 14132 for inputting the decision. The employee checks the checkbox corresponding to the desired method and presses button 14132.

[0140] The payment module 2035 executes the payment process for the donation selected by the employee. Specifically, for example, if the employee desires payment using a loan, the payment module 2035 executes the payment process with the company paying on their behalf. Also, if the employee desires payment without using a loan, the payment module 2035 executes the payment by the employee using a predetermined means. Payment using a predetermined means includes, for example, credit card payment.

[0141] The payment module 2035 stores information related to the payment process as payment information in the payment information table 2024. The payment module 2035, for example, transmits the payment information to the local government. The payment module 2035, for example, transmits the payment information to the local government the day after the payment.

[0142] The first server 20 transfers the donation amount to the local government on a preset date in the month following the settlement date. The transfer to the local government may be made before or after the payment from the company.

[0143] In step S17, the payment module 2035 transmits the payment information stored in the payment information table 2024 to the third server 40. When the payment module 2035 stores the payment information in the payment information table 2024, it may transmit the payment information to the third server 40. When the payment module 2035 stores a predetermined amount of payment information in the payment information table 2024, it may transmit the payment information to the third server 40. When a predetermined date or time arrives, the payment module 2035 may transmit the payment information stored in the payment information table 2024 to the third server 40.

[0144] (Loan Processing) 22 is a flowchart showing an example of the operation of the third server 40 when a company lends money related to hometown tax donations to an employee. In FIG. 22, the third server 40 receives payment information transmitted from the first server 20 and stores the received payment information.

[0145] In step S34, the third server 40 uses a payment module to pay the service provider the amount based on the received payment information. That is, the company advances the amount based on the payment information to the service provider. The payment module, for example, transfers the amount based on the received payment information to a bank account held by the service provider. The payment module pays the amount to the service provider at a predetermined time. The predetermined time may be, for example, a preset day in the month following the day the payment process is performed, or the day on which employees are paid.

[0146] The setting module 4033 lends money depending on whether the employee selects whether or not they wish to receive a loan. For example, if the employee selects in step S16 of FIG. 20 that they wish to receive a loan, the setting module 4033 sets a loan of the same amount as the amount paid by the company to the service provider. On the other hand, if the employee selects in step S16 of FIG. 20 that they do not wish to receive a loan, the setting module 4033 does not issue a loan and sets, for example, the payroll information table 4022 so that the employee is paid the same amount as the amount paid to the service provider at the time of their next paycheck. The setting module 4033 stores the amount set for the loan in the loan information table 4023.

[0147] In step S35, the third server 40 uses the granting module 4034 to pay the employee a salary based on the salary information table 4022. The granting module 4034 also lends a set amount of money to the employee based on the loan information table 4023. The granting module 4034 may pay the salary and lend the money simultaneously, or at different times. If the employee chooses not to pay the donation from the loan, the granting module 4034 may, for example, deduct from the employee's salary an amount equal to the amount paid by the company to the service provider.

[0148] The grant module 4034, for example, in response to a request from an employee, presents a statement of the paid salary to the employee. The statement of the salary includes, for example, the amount of the loan provided for making a hometown tax donation.

[0149] The repayment process is the same as the process described in Fig. 17. The control unit 203 of the first server 20 may enable the employee to check the amount of money lent to the employee (remaining balance) from the website of the service provided by the first server 20, based on the payment information.

[0150] This allows users who are paid by a payer to have their payer make donations related to hometown tax payments on their behalf. The users can then repay the borrowed money from their tax deductions. This means that users can make hometown tax payments even if they do not have cash on hand.

[0151] Furthermore, the control unit 403 of the third server 40 uses a payment module to make the company to which the person who made the donation belongs pay money based on the payment information to the entity that manages the first server 20. The granting module 4034 lends money to the person who made the donation in an amount corresponding to the money paid based on the payment information. This eliminates the need for the company to transfer loans to employees, reducing the processing burden when using services related to hometown tax donations.

[0152] In the above embodiment, a case has been described in which the third server 40 calculates and sets the amount of money to be loaned to an employee who has made a donation. Also, in the above embodiment, a case has been described in which the third server 40 calculates and sets the repayment amount of the money loaned to the employee. However, the calculation of the loan amount is not limited to the third server 40. Also, the calculation of the repayment amount is not limited to the third server 40. For example, the first server 20 may calculate the loan amount. Also, the first server 20 may calculate the repayment amount.

[0153] 23 is a schematic diagram showing another example of the configuration of the system 1 according to this embodiment. In the following explanation, the first server 20 calculates the loan amount that the company will lend to its employee and the repayment amount of the loan. Alternatively, the first server 20 may calculate the loan amount, and the third server 40 may calculate the repayment amount.

[0154] The storage unit 202 of the first server 20 includes, for example, a user information table 2021, a recruitment information table 2022, a detailed information table 2023, a payment information table 2024, a loan information table 2025, and the like.

[0155] The loan information table 2025 is a table that stores information about money loaned to employees. The loan information table 2025 may also store information about the repayment amount of the loaned money.

[0156] FIG. 24 is a diagram showing the data structure of loan information table 2025. Loan information table 2025 shown in FIG. 24 is a table having columns such as loan date, loan amount, number of repayments, and repayment amount, with company ID and employee ID as keys. Note that the information stored in loan information table 2025 is not limited to this. Loan information table 2025 may not store any of this information, or may include information other than these. Loan information table 2025 may, for example, have a repayment start date column that stores the date on which loan repayment begins.

[0157] The loan date is an item that stores the date on which the company lends money to an employee. The loan amount is an item that stores the amount to be lent. The number of repayments is an item that stores the number of times the loan is repaid. The repayment amount is an item that stores the amount to be repaid of the loan. In Figure 24, the company stores the date on which the money is lent, but it may also receive information from the third server 40 that the money has actually been lent, and store the date on which the company lent the money and the amount of the money lent.

[0158] The control unit 203 is realized by the processor 29 reading a program stored in the storage unit 202 and executing instructions included in the program. The control unit 203 operates in accordance with the program to perform functions shown as a reception control module 2031, a transmission control module 2032, a linking module 2033, an extraction module 2034, and a setting module 2036.

[0159] The setting module 2036 sets the amount of money that the company will loan to its employees based on the payment information. Specifically, for example, the setting module 2036 acquires payment information associated with the target company, extracted from the payment information table 2024 by the extraction module 2034. The setting module 2036 calculates the amount of money to be loaned to the company's employees based on the acquired payment information. The setting module 2036 sets the calculated loan amount to be granted in the month following the donation related to the hometown tax payment. The setting module 2036 provides information related to the calculated loan amount to the third server 40 associated with the target company.

[0160] Furthermore, the setting module 2036 sets the repayment of the money loaned in response to the hometown tax donation to start from the month when the resident tax for the following year is finalized. Specifically, for example, the setting module 2036 calculates the repayment amount so that the set loan amount will be repaid in a predetermined number of installments. The setting module 2036 sets the month when the resident tax for the following year is finalized as the start month of repayment.

[0161] (Loan Processing) 25 is a diagram illustrating an example of the operation of the first server 20 and the third server 40 when a company lends money related to hometown tax donations to an employee. In FIG. 25, the first server 20 receives payment information transmitted from the second server 30 and stores the received payment information in the payment information table 2024.

[0162] In step S21, the first server 20 uses the extraction module 2034 to extract desired information from the payment information stored in the payment information table 2024. Specifically, for example, on a predetermined day of the month, the extraction module 2034 extracts the payment information stored in the payment information table 2024 based on the company ID and classifies it by company.

[0163] In step S41, the setting module 2036 sets the amount to be loaned to the employee based on the extracted payment information. Specifically, for example, the setting module 2036 sets a loan amount based on the amount paid by the employee based on the payment information. More specifically, for example, the setting module 2036 sets a loan amount equal to the amount paid for an employee who made a donation related to hometown tax payment. The setting module 2036 associates the amount set for the loan with the employee who made the donation and stores the amount in the loan information table 2025. For example, the setting module 2036 sets the set loan amount to be granted in the month following the donation. The setting module 2036 associates the amount with the employee who made the donation and stores the scheduled date (scheduled month) for granting the loan in the loan information table 2025.

[0164] In step S42, the transmission control module 2032 transmits information about the set loan to the target company. Specifically, the transmission control module 2032 transmits information including, for example, the loan set for each employee and the loan grant date to the third server 40 belonging to the corresponding company. Note that the transmission here includes uploading the data to a specified shared data folder and downloading the data from the data folder.

[0165] In step S43, the third server 40 sets a loan to the employee using the setting module 4033. Specifically, for example, the setting module 4033 stores information about the loan in the loan information table 4023 based on the information about the loan received from the first server 20.

[0166] In step S44, the third server 40 uses the granting module 4034 to pay the employee a salary based on the salary information table 4022. The granting module 4034 also lends a set amount of money to the employee based on the loan information table 4023. The granting module 4034 may pay the salary and lend the money simultaneously, or at different times. However, it is desirable that the money be lent to the employee before the payment of the donation settled by credit card is made. This is so that the deduction for the following month can be completed even if the employee does not have cash on hand when making the hometown tax donation.

[0167] In step S41, the setting module 2036 may set information regarding the repayment of the money loaned in response to the hometown tax donation, including it in the information regarding the loan. Specifically, for example, the setting module 2036 calculates the repayment amount so that the set loan will be repaid in a predetermined number of times. The setting module 2036 sets the month in which the next year's resident tax is finalized as the start month of repayment. More specifically, in the normal processing of this embodiment, the setting module 2036 sets the number of repayments and the repayment amount in the loan information table 2025 so that the loan will be repaid in one year to which the tax amount after deductions is applied. For example, the setting module 2036 sets the number of repayments to 12 monthly repayments and the repayment amount to the loan amount divided by 12. The setting module 2036 stores the set number of repayments and the set repayment amount in the loan information table 2025.

[0168] If the employee wishes to repay the loan in a predetermined number of installments less than 12, the setting module 2036 sets the number of loan repayments and the amount of each installment in the loan information table 2025 so that the loan can be repaid in the desired number of installments. For example, if the employee wishes to repay the loan in one installment, the loan information table 2025 is set so that the loaned amount will be repaid in a lump sum in a predetermined month (for example, the first month) among the months to which the determined tax amount applies. Note that even if the employee wishes to repay the loan in a predetermined number of installments of 13 or more installments, the setting module 2036 sets the number of loan repayments and the amount of each installment in the loan information table 2025 so that the loan can be repaid in the desired number of installments.

[0169] The third server 40 sets the loan repayment method using the setting module 4033. Specifically, for example, the setting module 4033 stores the number of times the loan will be repaid and the repayment amount in the salary information table 4022 based on the information about the loan received from the first server 20. The granting module 4034 pays the employee salary based on the salary information table 4022. For an employee who has a loan to repay, the granting module 4034 deducts the amount required for repayment from the pay amount to determine the amount to be transferred.

[0170] When the first server 20 calculates the loan amount or the loan amount and the loan repayment amount, the control unit 203 may operate in accordance with a program to perform a function shown as a presentation control module 2037. For example, the presentation control module 2037 presents information about the loan to the employee in response to a request from the employee.

[0171] FIG. 26 is a schematic diagram showing an example of a screen displayed to an employee. When an employee requests the presentation of information related to the loan, the presentation control module 2037 transmits information for displaying the information related to the loan to the terminal device 10 based on the loan information table 2025. The terminal device 10 displays the information related to the loan to the employee, for example. Specifically, for example, as shown in FIG. 26, the terminal device 10 displays the "loan date related to hometown tax payment," "loan amount," "loan repayment amount," "number of loan repayments," etc.

[0172] As a result, the first server 20 calculates the loan amount and repayment amount for employees who have made hometown tax donations, thereby reducing the processing burden on the third server 40. Furthermore, since employees can check their own loan amount and repayment amount by accessing the first server 20, the third server 40 does not need to build a system to handle access from employees.

[0173] In the above embodiment, interest is not accrued on the loan when the loaned money is repaid. In other words, the interest rate is set to zero. However, the setting modules 4033, 2036 may accrue interest on the repayment of the loan. For example, the setting modules 4033, 2036 may accrue interest if the total amount of loans lent within a fiscal year exceeds a predetermined amount.

[0174] If the total amount of loans made within a fiscal year exceeds a predetermined amount, the setting modules 4033, 2036 set a predetermined interest rate. The setting modules 4033, 2036 calculate interest by multiplying the loaned amount by an interest rate based on the period for which the money was loaned, and have the employee repay the loaned amount including the calculated interest. Specifically, for example, assume that Money 1 is loaned in month A and Money 2 is loaned in month B. The setting modules 4033, 2036 determine whether the sum of Money 1 and Money 2 exceeds a predetermined value. If it does exceed the predetermined value, the setting modules 4033, 2036 set an interest rate of C%. The setting modules 4033, 2036 calculate the repayment amount for the following year, for example, in the month to which the determined tax amount applies, using Money 1 as the principal, the loan date as month A, and the interest rate as C%. Furthermore, the setting modules 4033 and 2036 calculate the repayment amount using Money 2 as the principal, the loan date as month B, and the interest rate as C%.

[0175] The threshold for the total loan amount may be grasped by the first server 20 as a donation amount threshold. The first server 20 may present content based on the donation amount threshold to an employee who selects the hometown tax donation solicitation. Specifically, for example, the linking module 2033 may present the remaining amount up to the threshold to an employee who selects the hometown tax donation solicitation. Furthermore, the linking module 2033 may notify the employee that if the employee makes the hometown tax donation they have selected, the threshold will be exceeded.

[0176] The linking module 2033 may confirm with the employee whether or not to accept a monetary loan. For example, when making a hometown tax donation, the linking module 2033 prompts the employee to choose whether or not to accept a monetary loan. If the employee does not accept a monetary loan, the donation is treated the same as a regular hometown tax donation. For example, the extraction module 2034 does not send settlement information regarding the donation of an employee who has selected not to accept a loan to the third server 40. Furthermore, the extraction module 2034 may, for example, set a flag indicating that a loan is not required in the settlement information for the donation. This allows the user to use the hometown tax donation system in the normal flow without accepting a monetary loan based on the donation.

[0177] Furthermore, the cooperation module 2033 may allow the employee to choose whether or not to accept the loan if, for example, the total amount of donations exceeds a threshold and interest accrues on the loan.

[0178] In addition, the third server 40 may receive in advance consent from employees as to whether or not to use a money loan system for donations related to hometown tax payment.

[0179] In the above embodiment, the first server 20 may have a function of screening whether an employee who makes a hometown tax donation is eligible to receive a loan from the company. Specifically, for example, the control unit 203 operates in accordance with a program to perform a function shown as screening module 2038. Each time an employee makes a hometown tax donation using a loan from the company, the screening module 2038 screens whether the employee is an employee of the relevant company and whether the employee is able to repay the loan.

[0180] More specifically, when an employee makes a hometown tax donation using a loan from the company, the screening module 2038 verifies the employee's identity by comparing the application information with company-held information, such as whether the name and date of birth match. The screening module 2038 also verifies the employee's loan repayment guarantee, such as whether the employee is currently employed by the company and the company can deduct the employee's salary, and whether the company plans to pay the employee's salary. If the verification is successful, the screening module 2038 determines that a loan is available for the recipient's hometown tax donation. Furthermore, the first server 20 may store, for example, the name listed on the recipient's resident card in the user information table 2021 in addition to the company's registered name (the name listed in the company-held information). When an employee makes a hometown tax donation, the screening module 2038 verifies the employee's identity by, for example, comparing the application information with the company-held information and the information listed on the resident card.

[0181] FIG. 27 is a schematic diagram showing an example of a payment input form presented to an employee. The example shown in FIG. 27 illustrates a case where the first server 20 has the functions of the payment module 2035 and the screening module 2038. For example, when a check box 14131 is checked and button 14132 is pressed, the terminal device 10 displays a window 1415 for screening whether the employee is eligible to receive a loan from the company. Window 1415 displays a check box 14151 for agreeing that the person making the donation is an employee of the company using the service, a check box 14152 for the company to guarantee the collection of the loan from the employee, and a button 14153 for inputting a decision. The employee checks check boxes 14151 and 14152 and presses button 14153. When an employee checks checkboxes 14151 and 14152 and presses button 14153, the screening module 2038 verifies the employee's identity by, for example, checking whether the checked information matches the company's information, such as whether the name and date of birth match. Furthermore, the screening module 2038 verifies the loan collection guarantee by, for example, checking whether the employee is currently employed by the company and whether there is a salary payment schedule for the employee, based on the checked information. As a result, the screening module 2038 determines that money can be loaned to the employee. The settlement module 2035 executes the settlement process for the donation selected by the employee. Note that the window 1415 may also display an input area for inputting information about the person making the donation, allowing input from the person making the donation to be accepted.

[0182] If the company has a specific screening process, the screening module 2038 may suspend the screening. In other words, the screening module 2038 may prevent the donation related to the hometown tax payment using a loan until the company's specific screening process is completed. The suspension of the screening process does not necessarily have to be due to a company-specific screening process. For example, even if the checked information differs from the information held by the company, the screening module 2038 may suspend the application rather than immediately reject it, allowing the company administrator to check it. Specifically, even if the surname has changed due to a name match, the screening module 2038 may suspend the application rather than simply reject it due to a name mismatch, allowing the company administrator to check it. Furthermore, the screening module 2038 may take into account errors in date of birth registration, etc., and suspend the application rather than immediately reject it, allowing the administrator to check it, even if the entered information differs from the information held by the company.

[0183] If the first server 20 does not have the functionality of the payment module 2035, for example, the linkage module 2033 confirms with the employee whether or not to accept a loan of money. For example, when an employee makes a hometown tax donation using a loan, the screening module 2038 screens whether the recipient is an employee of the relevant company and whether they can repay the loan. For example, if it cannot be confirmed that the recipient is an employee of the relevant company and whether they can repay the loan, the screening module 2038 determines that the recipient cannot be loaned money.

[0184] The third server 40 may examine whether an employee making a hometown tax donation is eligible to receive a loan from the company. For example, the third server 40 operates an in-house portal site for accessing services provided by the first server 20. When an employee accesses a service provided by the first server 20, the third server 40 examines whether the employee is an employee of the relevant company and whether the employee is able to repay the loan. For example, if the third server 40 cannot confirm that the employee is an employee of the relevant company and is able to repay the loan, the third server 40 will not approve the employee's hometown tax donation using the loan.

[0185] If a company conducts a comprehensive loan screening when lending money to its employees, this constitutes a "comprehensive credit intermediation act," and the company must register as a "comprehensive credit intermediary." On the other hand, if a loan screening is conducted for each application, this does not constitute a "comprehensive credit intermediation act," and the company does not need to register as a "comprehensive credit intermediary." In this embodiment, the screening module 2038 screens whether an employee is eligible to receive a loan from the company each time a hometown tax donation is made. This allows companies to introduce a legally clear system for lending to employees under the "employee loan system" in exchange for hometown tax donations without increasing administrative procedures.

[0186] In the above embodiment, an example was described in which, when making a hometown tax donation, payment is made using, for example, a credit card, and before the approved amount is debited from the employee's account, the company transfers a loan corresponding to that amount along with the employee's salary. However, a payment method that does not deduct money from the employee's account, such as "company credit," can also be used for payment. In this case, since the donation amount is not debited from the employee's account, the company does not need to lend the employee a loan. The first server 20 or the third server 40 calculates and sets the repayment amount based on the amount credited by the company. The employee repays the amount credited by the company by having the set repayment amount deducted from their salary.

[0187] Furthermore, in the above embodiment, a different process may be performed for a retiring employee. It is difficult to request repayment of a loan from a retiring employee after retirement. The setting module 4033 sets the salary information table 4022 so that the unrepaid loan is repaid in a lump sum in the final salary paid, for example. The setting module 4033 may also set the salary information table 4022 so that the unrepaid loan is repaid from the retirement allowance. This makes it possible to recover the loaned money even when the employee retires.

[0188] In the above embodiment, a case has been described in which an employee makes a hometown tax donation via the first server 20. The employee is not limited to making a hometown tax donation via the first server 20, and may also make a hometown tax donation using other payment agency services.

[0189] In the above embodiment, the explanation is based on the assumption that salaries are paid monthly. However, salaries do not have to be paid monthly. When salaries are paid at intervals shorter than monthly, the setting module 4033 sets the salary information table 4022 so that loan repayments are made in accordance with the timing of payment. Note that the setting module 4033 may also make loan repayments at intervals longer than the payment of salaries.

[0190] Furthermore, the above embodiment does not describe reporting of donation amounts. However, the system 1 may assist in reporting donation amounts to the tax office. For example, the control unit 203 of the first server 20 may have a function of presenting a list of donations. For example, the control unit 203 may present a list of information about donations paid to the employee based on payment information. This reduces the burden on the employee when filing a tax return.

[0191] Furthermore, although the expression "employee" is used in the above embodiment, "employee" may be read as "employee."

[0192] In the above embodiment, the case where a company concludes a contract with a service provider that manages first server 20 has been described as an example, but the entity with which the contract is concluded is not limited to a company. The service provider that manages first server 20 is not limited to a company as long as it is an organization that pays a salary. It may be an individual or a specified organization.

[0193] In addition, in the above embodiment, donations related to hometown tax payments are targeted, but the targeted donations are not limited to hometown tax payments. Any donations that are eligible for tax deductions may be used. Furthermore, the technology according to this embodiment may be used not only for donations but also for payments related to employee benefits.

[0194] <4 Basic computer hardware configuration> 28 is a block diagram showing the basic hardware configuration of a computer 90. The computer 90 includes at least a processor 91, a main memory device 92, an auxiliary memory device 93, and a communication IF (interface) 99. These are electrically connected to one another by a bus.

[0195] The processor 91 is hardware for executing an instruction set written in a program, and is composed of an arithmetic unit, registers, peripheral circuits, and the like.

[0196] The main storage device 92 is used to temporarily store programs, data to be processed by the programs, etc. For example, it is a volatile memory such as a DRAM (Dynamic Random Access Memory).

[0197] The auxiliary storage device 93 is a storage device for saving data and programs, such as a flash memory, a hard disk drive (HDD), a magneto-optical disk, a CD-ROM, a DVD-ROM, or a semiconductor memory.

[0198] The communication IF 99 is an interface for inputting and outputting signals for communicating with other computers via a network using wired or wireless communication standards. The network is composed of the Internet, a LAN, various mobile communication systems constructed by wireless base stations, etc. For example, the network includes 3G, 4G, and 5G mobile communication systems, LTE (Long Term Evolution), and wireless networks (e.g., Wi-Fi (registered trademark)) that can connect to the Internet via a predetermined access point. In the case of a wireless connection, communication protocols include, for example, Z-Wave (registered trademark), ZigBee (registered trademark), and Bluetooth (registered trademark). In the case of a wired connection, the network also includes a direct connection using a USB (Universal Serial Bus) cable, etc.

[0199] It should be noted that the computer 90 can be virtually realized by distributing all or part of each hardware configuration across multiple computers 90 and interconnecting them via a network. In this way, the computer 90 is a concept that includes not only a computer 90 housed in a single housing or case, but also a virtualized computer system.

[0200] <Basic functional configuration of computer 90> A description will be given of the functional configuration of a computer realized by the basic hardware configuration of a computer 90 shown in Fig. 28. The computer includes at least the functional units of a control unit, a storage unit, and a communication unit.

[0201] The functional units of the computer 90 can also be realized by distributing all or part of the functional units among multiple computers 90 interconnected via a network. The computer 90 is a concept that includes not only a single computer 90 but also a virtualized computer system.

[0202] The control unit is realized by the processor 91 reading various programs stored in the auxiliary storage device 93, expanding them in the main storage device 92, and executing processing in accordance with the programs. The control unit can realize functional units that perform various types of information processing depending on the type of program. In this way, the computer is realized as an information processing device that processes information.

[0203] The storage unit is realized by a main storage device 92 and an auxiliary storage device 93. The storage unit stores data, various programs, and various databases. Furthermore, the processor 91 can allocate a storage area corresponding to the storage unit in the main storage device 92 or the auxiliary storage device 93 in accordance with the programs. Furthermore, the control unit can cause the processor 91 to execute processes for adding, updating, and deleting data stored in the storage unit in accordance with the various programs.

[0204] A database refers to a relational database, which manages data sets called tables, which are structured by rows and columns, by relating them to each other. In a database, a table is called a table, a column in a table is called a column, and a row in a table is called a record. In a relational database, relationships between tables can be set and associated. Typically, each table has a column set as a key for uniquely identifying a record, but setting a key to a column is not essential. The control unit can cause the processor 91 to add, delete, or update records in a specific table stored in the storage unit according to various programs.

[0205] The communication unit is realized by the communication IF 99. The communication unit realizes the function of communicating with other computers 90 via a network. The communication unit can receive information transmitted from other computers 90 and input the information to the control unit. The control unit can cause the processor 91 to execute information processing on the received information in accordance with various programs. In addition, the communication unit can transmit information output from the control unit to other computers 90.

[0206] Although several embodiments of the present disclosure have been described above, these embodiments can be embodied in various other forms, and various omissions, substitutions, and modifications can be made without departing from the spirit of the invention. These embodiments and modifications are intended to be included in the scope of the inventions and their equivalents as defined in the claims, as well as in the scope and spirit of the inventions.

[0207] <Additional Notes> The matters described in the above embodiments will be supplemented below. (Appendix 1) A system comprising a first information processing device and a second information processing device, wherein the first information processing device comprises: means for acquiring payment information for donations related to hometown tax; means for granting a loan to the person who made the donation in an amount based on the amount of the donation based on the payment information; means for setting a repayment amount for the person who made the donation from the month in which tax deductions begin in the year following the donation by dividing the loan into a predetermined number of installments; and means for transmitting information regarding the loan, including the repayment amount, to the second information processing device, wherein the second information processing device comprises: means for granting the set loan to the person who made the donation in the month following the donation; and means for granting to the person who made the donation an amount equal to the original amount minus the repayment amount as salary for a predetermined number of installments from the month in which tax deductions begin in the year following the donation. (Appendix 2) The system described in Appendix 2 sets the repayment amount as the amount obtained by dividing the loan amount by 12 as the means for setting the repayment amount. (Appendix 3) The system described in (Appendix 1) or (Appendix 2) provides a method of providing a salary by having the person who made the donation repay an amount corresponding to the tax deducted from their salary if the total amount of money donated is the same as the total amount of money loaned. (Appendix 4) The system according to any one of (Supplementary Note 1) to (Supplementary Note 3), wherein the first information processing device includes a means for settling donations related to hometown tax payments. (Appendix 5) The second information processing device has a means for paying money based on payment information to the entity that manages the first information processing device, and the means for setting up a loan sets up a loan to the person who made the donation in an amount corresponding to the money paid based on the payment information (a system described in Appendix 4). (Appendix 6) The system according to any one of (Appendix 1) to (Appendix 5), wherein the second information processing device includes a means for displaying the amount of money loaned based on the donation related to hometown tax payment on the pay slip. (Appendix 7) The system according to any one of (Supplementary Note 1) to (Supplementary Note 6), wherein the second information processing device comprises means for displaying the repayment amount of the loaned money on a pay slip. (Appendix 8) The means for displaying is a system described in (Appendix 7) that displays the tax amount before deductions, the tax amount after deductions, and the repayment amount. (Appendix 9) The first information processing device is a means for displaying information regarding solicitation of hometown tax donations, and is a system described in any of (Appendix 1) to (Appendix 8) that is equipped with a means for displaying information regarding solicitation of hometown tax donations of a specified municipality in preference to information regarding solicitation of hometown tax donations of other municipalities. (Appendix 10) The means of displaying is a system described in Appendix 9, which displays information about the hometown tax donation solicitation of the local government that accepted the request in preference to information about other local governments. (Appendix 11) The means for setting the repayment amount is a system described in any one of (Appendix 1) to (Appendix 10), which sets the repayment amount so that when the person who made the donation retires, the unrepaid loan amount is repaid from the final salary paid. (Appendix 12) The means for establishing the loan is a system described in any one of (Appendix 1) to (Appendix 11) in which the person who made the donation chooses whether or not to accept the loan, and if the person chooses to accept the loan, the loan is established, and if the person chooses not to accept the loan, the loan is not established. (Appendix 13) The means for setting the loan is a system described in any one of (Appendix 1) to (Appendix 12) in which the interest rate on the loaned money is set to zero if the total loan amount does not exceed a predetermined value, and a predetermined interest rate if it exceeds the predetermined value. (Appendix 14) The means for setting the repayment amount is a system described in Appendix 13, which sets the repayment amount including interest on the loan. (Appendix 15) The first information processing device is a system described in any of (Appendix 1) to (Appendix 14), which is equipped with a means for reviewing whether a person making a hometown tax donation is eligible to receive a loan each time the donation is made. (Appendix 16) The second information processing device is a system described in any of (Appendix 1) to (Appendix 14), which has a means for reviewing whether a person making a hometown tax donation is eligible to receive a loan each time the person makes a hometown tax donation. (Appendix 17) A program to be executed by a computer having a processor and a memory, the program causing the processor to execute the following steps: acquiring payment information for donations related to hometown tax; establishing a loan of money based on the payment information and the amount of the donation so that the person who made the donation will receive the loan the month following the donation; and establishing a repayment amount for the person who made the donation from the month in which tax deductions begin in the year following the donation by dividing the loan amount by a predetermined number of installments. (Appendix 18) A method executed by a computer having a processor and a memory, wherein the processor executes the following steps: acquiring payment information for donations related to hometown tax; establishing a loan of money based on the payment information in an amount based on the amount donated so that the person who made the donation will receive the loan the month following the donation; and establishing a repayment amount for the person who made the donation from the month in which tax deductions begin in the year following the donation by dividing the loan amount by a predetermined number of installments. (Appendix 19) An information processing device having a control unit and a memory unit, wherein the control unit executes the steps of: acquiring payment information for donations related to hometown tax; setting a loan of money based on the payment information in an amount based on the amount donated so that the person who made the donation will receive it the month after making the donation; and setting a repayment amount for the person who made the donation from the month when tax deductions begin in the year after the donation by dividing the loan amount by a predetermined number of times. [Explanation of symbols]

[0208] 1. System 10...Terminal device 120…Communications Department 13...Input device 131...Touch-sensitive devices 14...Output device 15...Memory 16…Storage 19...Processor 20...First server 22...Communication IF 23...Input / output interface 25…Memory 26…Storage 29...Processor

Claims

1. In a system including a first information processing device and a second information processing device, The first information processing device A means for acquiring payment information for donations related to hometown tax payments; a means for granting a loan to the person who made the donation based on the payment information in an amount corresponding to the amount of the donation; A means for setting a repayment amount for the person who made the donation from the month in which tax deduction begins in the year following the donation by dividing the loan amount into a predetermined number of installments; means for transmitting information about the loan including the repayment amount to the second information processing device; Equipped with The second information processing device A means for granting the set loan to the person who made the donation in the month following the month of making the donation; A means for granting money to the person who made the donation, in the amount obtained by deducting the repayment amount from the original amount, as the predetermined number of salaries from the month in which tax deduction begins in the year following the donation. A system comprising:

2. 2. The system according to claim 1, wherein said means for setting the repayment amount sets said repayment amount as an amount obtained by dividing said loan amount by 12.

3. The system of claim 2, wherein the means for providing the salary is such that, if the total amount of money donated and the total amount of money loaned are the same, the amount of money corresponding to the tax deducted is repaid from the salary of the person who made the donation.

4. The system according to claim 1 , wherein the first information processing device comprises means for settling donations related to hometown tax payments.

5. the second information processing device includes means for paying money based on the payment information to an entity that manages the first information processing device; 5. The system according to claim 4, wherein the means for establishing the loan establishes as the loan to the person who made the donation an amount corresponding to the amount paid based on the payment information.

6. The system according to claim 1 , wherein the second information processing device includes a means for displaying the amount of money loaned based on the hometown tax donation on a pay slip.

7. 2. The system according to claim 1, wherein the second information processing device comprises means for displaying the repayment amount of the loaned money on a pay slip.

8. 8. The system according to claim 7, wherein said display means displays the tax amount before deduction, the tax amount after deduction, and the repayment amount.

9. The system according to claim 1, wherein the first information processing device is a means for displaying information relating to solicitation of hometown tax donations, and is provided with a means for displaying information relating to solicitation of hometown tax donations of a specified municipality in preference to information relating to solicitation of hometown tax donations of other municipalities.

10. The system according to claim 9, wherein the display means displays information regarding the hometown tax donation solicitation of the local government that accepted the request in preference to information regarding other local governments.

11. 2. The system according to claim 1, wherein the means for setting the repayment amount sets the repayment amount so that when the person who made the donation retires, the unrepaid loan amount is repaid from the last salary paid.

12. The system of claim 1, wherein the means for establishing the loan accepts a choice from the person who made the donation as to whether or not to accept the loan, and if the person chooses to accept the loan, establishes the loan, and if the person chooses not to accept the loan, does not establish the loan.

13. 2. The system according to claim 1, wherein said means for providing loans sets the interest rate on the loaned money to zero if the total amount of said loans does not exceed a predetermined value, and sets the interest rate to a predetermined value if the total amount of said loans exceeds a predetermined value.

14. 14. The system according to claim 13, wherein the means for setting the repayment amount sets the repayment amount including interest on the loan.

15. The system according to claim 1, wherein the first information processing device is provided with a means for reviewing whether a person making a hometown tax donation is eligible to receive a loan each time the person makes a hometown tax donation.

16. The system according to claim 1, wherein the second information processing device is provided with a means for reviewing whether a person making a hometown tax donation is eligible to receive a loan each time the person makes a hometown tax donation.

17. A program to be executed by a computer having a processor and a memory, the program causing the processor to: A step of acquiring payment information for donations related to hometown tax payment; a step of setting a loan of money based on the amount of the donation based on the payment information so that the loan will be granted to the person who made the donation in the month following the month of making the donation; A step of setting a repayment amount for the person who made the donation, from the month in which tax deduction begins in the year following the donation, by dividing the loan amount into a predetermined number of installments; A program that executes the following.

18. 1. A computer-implemented method comprising a processor and a memory, the processor: A step of acquiring payment information for donations related to hometown tax payment; a step of setting a loan of money based on the amount of the donation based on the payment information so that the loan will be granted to the person who made the donation in the month following the month of making the donation; A step of setting a repayment amount for the person who made the donation, from the month in which tax deduction begins in the year following the donation, by dividing the loan amount into a predetermined number of installments; How to do it.

19. An information processing device including a control unit and a storage unit, wherein the control unit: A step of acquiring payment information for donations related to hometown tax payment; a step of setting a loan of money based on the amount of the donation based on the payment information so that the loan will be granted to the person who made the donation in the month following the month of making the donation; A step of setting a repayment amount for the person who made the donation, from the month in which tax deduction begins in the year following the donation, by dividing the loan amount into a predetermined number of installments; An information processing device that executes the above.

Images