Device, method, and program of child support expense guarantee management

Abstract

To provide a device, a method, and a program of child support expense guarantee management capable of appropriately switching a guarantee contract name of a child support expense from municipality to a recipient after a period during which the municipality as a contractor pays a guarantee fee ends.SOLUTION: A child support expense guarantee management device 100 comprises: a control unit 102 which, in a payment agreement that one of the divorced parents pays the child support expense to the other of the parents, includes a switch unit to switch the contract between the municipality and a guarantee company to the contract between the guarantee company and the recipient after the period during which the municipality as a contractor pays the guarantee fee is over; a storage unit 103 which stores information including a payer, the municipality, and the name and the contact address of the recipient; an extraction unit 104 which extracts a switching target person that the contract between the municipality and the guarantee company is switched to the contract between the guarantee company and the recipient before the period during which the municipality as the contractor pays the guarantee fee is over; a covenant creation unit 105 which automatically creates the covenant of the payment contract for the switching target person; and a sending unit 106 which automatically sends the covenant created by the covenant creation unit.SELECTED DRAWING: Figure 4

Description

[Technical Field]

[0001] The present invention relates to a child support guarantee management device, a child support guarantee management method, and a child support guarantee management program that manages payments by the payer in a payment contract where one divorced parent pays child support to the other parent, and where the payment is guaranteed by a guarantor company, and in a guarantee contract where a local government becomes the contracting party for a limited period and pays a guarantee fee, can appropriately switch the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient after the end of the period in which the local government becomes the contracting party, [Background technology]

[0002] In a typical guarantee contract, such as a rental contract, the tenant enters into a rental contract with the landlord or a real estate company, but there are times when the tenant falls behind on rent payments due to various circumstances. In such cases, if the tenant has entered into a rent guarantee contract with a guarantor company, the guarantor company will pay the rent on their behalf. By entering into a rent guarantee contract with a guarantor company, it becomes possible to enter into a rental contract even if the tenant is unable to secure a joint guarantor. For example, Patent Document 1 proposes a rental management system in which a contract is made in advance with a guarantor company that guarantees the advance payment of rent, and this guarantor company guarantees the overdue rent.

[0003] The rental management system in Patent Document 1 is configured so that the credit card company, which acts as the guarantor, pays the rent to the real estate company on behalf of the tenant, and if the tenant falls behind on rent payments, the overdue rent is paid to the real estate company.

[0004] However, with the rental management system of Patent Document 1, when a tenant rents real estate, they are required to enter into a contract with a guarantor company in addition to the rental contract, which has the inconvenience of making the contract procedures extremely complicated.

[0005] Therefore, Patent Document 2 discloses a rental guarantee method that allows easy application procedures for contracts with a guarantee company and an insurance company.

[0006] The rental guarantee method of Patent Document 2 includes the steps of storing, on the guaranty company server, the information necessary for the guarantee contract, out of the information necessary for the guarantee contract and insurance contract sent to the guaranty company server; storing, on a shared server, the information necessary for the insurance contract out of the information; storing, on the insurance company server, the information necessary for the insurance contract stored on the shared server; storing, on the insurance company server, the information on whether or not guarantee can be taken out; storing, on the shared server, the information on whether or not insurance can be taken out stored on the shared server; storing, on the guaranty company server, the information on whether or not guarantee can be taken out and the information on whether or not insurance can be taken out stored on the guaranty company server; and transmitting, to the real estate company terminal, the information on whether or not guarantee can be taken out and the information on whether or not insurance can be taken out stored on the guaranty company server. This makes it possible to easily complete the contract application procedures with the guaranty company and the insurance company.

[0007] However, the name of the contractor may change during the contract period. Patent Document 3 discloses a contract modification device that enables contract information to be modified by pre-registering the details of the modifications when a request for modification is received, thereby leveling the workload for modifying contract information and reducing human error. [Prior art documents] [Patent documents]

[0008] [Patent Document 1] Japanese Patent Application Laid-Open No. 2002-92513 [Patent Document 2] Japanese Patent Application Publication No. 2020-154368 [Patent Document 3] Japanese Patent Application Laid-Open No. 2023-145045 Summary of the Invention [Problem to be solved by the invention]

[0009] However, with the technology of Patent Document 3, requests for changes to the contract come at scattered times, so for example, in a contract such as a guarantee contract in which a guarantor company guarantees the payment of child support and a local government becomes the contracting party for a limited period and pays the guarantee fee, if the name on the guarantee contract is changed at a specified time, there is a possibility that the change will not be made appropriately.

[0010] The present invention has been made in consideration of the above points, and provides a child support guarantee management device that manages payments by a payer in a payment contract where one divorced parent pays child support to the other parent, and in a guarantee contract where a local government becomes the contracting party for a limited period and pays a guarantee fee when the payment of child support is guaranteed by a guarantor company, and that can appropriately switch the contract between the local government and the guarantor company to a contract between the guarantor company and a recipient after the expiration of the period in which the local government becomes the contracting party. [Means for solving the problem]

[0011] In other words, the child support guarantee management device of an embodiment is a child support guarantee management device that manages payments by the payer in a payment contract in which one divorced parent pays child support to the other parent, and in the guarantee contract in which the local government becomes the contract holder for a limited period of time and pays a guarantee fee, and the guarantor company guarantees the payment of child support, it is equipped with: a switching unit that switches the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient after the end of the period in which the local government becomes the contract holder and pays the guarantee fee; a memory unit that stores information including the names and contact information of the payer, the local government, and the recipient; an extraction unit that extracts persons to be switched, whose contract between the local government and the guarantor company will be switched to a contract between the guarantor company and the recipient before the end of the period in which the local government becomes the contract holder for child support and pays the guarantee fee; a terms and conditions creation unit that automatically creates the terms and conditions of the guarantee contract for the persons to be switched; and a sending unit that automatically sends the terms and conditions created by the terms and conditions creation unit.

[0012] Furthermore, the child support guarantee management device may further include a guarantee fee claim data creation unit that creates guarantee fee claim data for those among the switching targets who have agreed to the guarantee contract, and a communication unit that communicates with the payer, the switching target targets, and the local government.

[0013] Furthermore, the child support guarantee management device may further include a determination unit that determines that the guarantee contract has expired if the child support payment contract is a contract for paying a fixed amount every specified period, and if the payer's outstanding balance reaches a specified number of months within a specified period before the end of the period in which the local government becomes the contract holder and pays the guarantee fee, or within a specified period after the end of the period in which the local government becomes the contract holder and pays the guarantee fee, and excludes a payer whose guarantee contract has been determined to have expired from the scope of the guarantee.

[0014] Furthermore, in the child support guarantee management device, the determination unit may determine that the payment agreement has expired when the child who is the subject of child support reaches the age at which the payment agreement expires.

[0015] Furthermore, in the child support guarantee management device, the determination unit may determine that the payment contract has expired when the child dies.

[0016] Furthermore, the child support guarantee management device may further include an acquisition unit that acquires information corresponding to grounds for exemption, such as death or relocation of the payer and recipient, from the local government, and the determination unit may determine whether the payment contract will expire by matching the information on the death of the child obtained from the information corresponding to grounds for exemption, such as death or relocation, acquired by the acquisition unit with the information on the updated payment contract.

[0017] Furthermore, in the child support guarantee management device, the determination unit may determine that the payment contract has expired if both the payer and the recipient move to different municipalities.

[0018] The child support guarantee management method of one embodiment is a child support guarantee management method for managing payments by a payer in a payment contract in which one divorced parent pays child support to the other parent, and includes the following steps in the guarantee contract in which a local government becomes the contract holder for a limited period and pays a guarantee fee: a switching step for switching the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient after the end of the period in which the local government becomes the contract holder and pays the guarantee fee; a storage step for storing information including the names and contact information of the payer, the local government, and the recipient; an extraction step for extracting persons eligible for switching, whose contract between the local government and the guarantor company will be switched to a contract between the guarantor company and the recipient before the expiration of the period in which the local government becomes the contract holder and pays the guarantee fee; a terms and conditions creation step for automatically creating terms and conditions of the payment contract for persons eligible for switching; and a sending step for automatically sending the terms and conditions created in the terms and conditions creation step.

[0019] The child support guarantee management program of one embodiment is a child support guarantee management program that manages payments by a payer in a payment contract in which one divorced parent pays child support to the other parent, and causes a computer to execute the following functions: a switching function that switches the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient after the end of the period in which the local government becomes the contract holder and pays the guarantee fee in the guarantee contract in which the local government becomes the contract holder and pays the guarantee fee for a limited period; a storage function that stores information including the names and contact information of the payer, the local government, and the recipient; an extraction function that extracts persons eligible for switching to switch the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient before the expiration of the period in which the local government becomes the contract holder and pays the guarantee fee; a terms and conditions creation function that automatically creates terms and conditions of the payment contract for persons eligible for switching; and a sending function that automatically sends the terms and conditions created by the terms and conditions creation function. [Effects of the Invention]

[0020] The child support guarantee management device of the present invention is a child support guarantee management device that manages payments by a payer in a payment contract in which one divorced parent pays child support to the other parent, and in a guarantee contract in which a local government becomes the contracting party for a limited period and pays a guarantee fee, the device comprises a switching unit that switches the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient after the end of the period in which the local government becomes the contracting party and pays the guarantee fee, a storage unit that stores information including the names and contact information of the payer, the local government, and the recipient, and a storage unit that switches the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient before the end of the period in which the local government becomes the contracting party and pays the guarantee fee. By providing an extraction unit that extracts persons to be switched to a contract between a company and a recipient, a terms and conditions creation unit that automatically creates terms and conditions for a guarantee contract for persons to be switched to, and a sending unit that automatically sends the terms and conditions created by the terms and conditions creation unit, it becomes possible to manage payments by the payer in a payment contract in which one divorced parent pays child support to the other parent, and in a guarantee contract in which a local government becomes the contracting party for a limited period and pays a guarantee fee, to appropriately switch the contract between the local government and the guarantor company to a contract between the guarantor company and a recipient after the end of the period in which the local government becomes the contracting party and pays the guarantee fee. [Brief explanation of the drawings]

[0021] [Figure 1] 1 is an explanatory diagram for explaining the concept of guarantee work related to a child support guarantee management device of an embodiment.

[0023] FIG. [Figure 2] 1 is an explanatory diagram for explaining the processing of a child support guarantee management device according to an embodiment; [Figure 3] 1 is an explanatory diagram for explaining the processing of a child support guarantee management device according to an embodiment; [Figure 4] 1 is a block diagram illustrating an example of a functional configuration of a child support guarantee management device according to an embodiment. [Figure 5] 1 is a conceptual data diagram showing an example of the data structure of a payer database in a storage unit of a child support guarantee management device according to an embodiment. FIG. [Figure 6] 1 is a conceptual data diagram showing an example of the data structure of a recipient database in a storage unit of a child support guarantee management device according to an embodiment. [Figure 7] 1 is a flowchart illustrating a child support guarantee management method according to an embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0022] The child support guarantee management device of an embodiment manages payments by the payer in a payment contract in which one divorced parent pays child support to the other parent, and in a guarantee contract in which a local government becomes the contracting party and pays a guarantee fee for a limited period, the device is capable of appropriately switching the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient after the end of the period in which the local government becomes the contracting party and pays the guarantee fee. The guarantor company first enters into a guarantee contract with the local government, but after one year has passed, the contract switches to a contract between the guarantor company and the recipient. From the guarantor company's perspective, the contract with the local government as a group switches to a contract with an individual recipient, which is a part of the group. Thereafter, the contract between the guarantor company and the recipient is renewed annually.

[0023] When a couple divorces, for example, if the mother has custody of the child, the father may have to pay child support to the mother. The payment is made monthly, for example, 40,000 yen per month from the father (payer) to the mother (recipient). In other words, the payer is the person who is obligated to pay child support, and the recipient is the person who has the right to receive it. Child support is money received by one divorced parent with custody from the other parent who does not have custody.

[0024] In the case of general contracts, there is a system called a guarantor as a means of relief when the payer is unable to make payment. A guarantor is a person who pays the money on behalf of the payer when the payer is unable to make payment. However, in the case of a real estate lease contract, for example, if a guarantor company is involved, the guarantor company will first pay the rent to the real estate company that is the recipient, and then the tenant will pay the money to the guarantor company, allowing the tenant to rent real estate without a guarantor. In other words, along with the lease contract between the tenant and the landlord, there is also a guarantee contract (between the tenant and the guarantor company and) between the landlord and the guarantor company.

[0025] In this embodiment, the couple is divorced, so just as in the case of renting real estate described above, there is a child support payment agreement between the couple and a guarantee agreement between the recipient and the guarantor company at the same time.

[0026] Therefore, the child support guarantee management device (child support guarantee management method) of the embodiment is positioned as a technology that manages payments by the payer in a payment contract in which one divorced parent pays child support to the other parent, and in a guarantee contract in which a local government becomes the contracting party for a limited period and pays a guarantee fee, makes it possible to appropriately switch the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient after the end of the period in which the local government becomes the contracting party and pays the guarantee fee.

[0027] FIG. 1 is an explanatory diagram illustrating the concept of guarantee work related to a child support guarantee management device 100 of an embodiment. The child support guarantee management device 100 guarantees a child support payment contract exchanged between a payer 210 and a recipient 310. Specifically, the payer 210 enters into a child support payment contract with the recipient 310 under which the payer 210 will pay child support for raising a child over which the recipient 310 has custody. For example, the child support payment contract may stipulate that a fixed amount (e.g., 40,000 yen) will be paid periodically (e.g., monthly), but the amount may vary from month to month, for example, in bonus months (e.g., 100,000 yen). Here, the child support guarantee management device 100 guarantees to the recipient 310 that the payer 210 will pay child support regularly as stipulated in the contract. Therefore, the guarantee management operator associated with child support guarantee management device 100 guarantees to recipient 310 that if payer 210 defaults on payments, child support will be paid to recipient 310 on behalf of payer 210. Furthermore, if child support guarantee management device 100 pays child support to recipient 310 on behalf of payer 210, it bills payer 210 for the child support it advanced. The left side of FIG. 1 shows the situation for the first year of the child support payment contract, in which the local government 410 becomes the contracting party and pays a guarantee fee, and child support guarantee management device 100 (guarantor company) guarantees the payment of child support from payer 210 to recipient 310. The right side of FIG. 1 shows the second year and beyond of the child support payment contract, in which the local government 410 terminates its contract with the guarantor company, and recipient 310 becomes the contracting party and pays a guarantee fee to the guarantor company, and child support guarantee management device 100 (guarantor company) guarantees the payment. It should be noted that this initial contract period is not limited to one year, but may be, for example, six months or three years.

[0028] Figure 2 is an explanatory diagram for explaining the processing of the child support guarantee management device 100 of an embodiment. In Figure 2, the local government 410 pays the guarantee fee and concludes a guarantee contract with the guarantor company, and the recipient 310 indicates his or her intention to receive the benefits, thereby generating rights under the guarantee contract for the recipient 310, and then the payer 210 pays child support to the recipient 310 every month without delay. In this case, when a predetermined period B has elapsed, the contract between the local government 410 and the guarantor company is switched to a contract between the guarantor company and the recipient 310.

[0029] FIG. 3 is an explanatory diagram illustrating the processing of the child support guarantee management device 100 according to an embodiment. In FIG. 3, the payer 210 has not paid child support to the recipient 310 a predetermined number of times during a predetermined period A. Child support payments are generally made monthly from the payer to the recipient, and are therefore managed, for example, as follows: payment in March, payment in April, no payment in May (one payment agency action), payment in June, no payment in July (a second payment agency action). Even if the number of missed payments reaches a predetermined number (e.g., 11 times (11 months' worth)), if the payer 210 subsequently repays the amount for a predetermined period (e.g., two months' worth) to the guarantor company, this does not count as a default in the child support payment obligation for the predetermined number of times. In other words, it is treated as a default in the child support payment obligation for the number of months calculated by subtracting the amount of payments made for the predetermined period from the predetermined number of times. The amount remaining after the payer 210 repays the guarantor company is considered the outstanding balance. When this outstanding balance reaches 12 months, the guarantor contract expires, and the contracting party cannot be switched from the local government 410 to the recipient 310, or the guarantor company can no longer provide guarantees. Demands for collection and recovery are initiated, and in some cases, legal action is taken (including the hiring of a lawyer for collection). In this case, the guarantor company sends an email to the terminal 200 of the payer 210 urging them to make a phone call, or sends non-payment information to the child support guarantee management device 100. Furthermore, if the payer 210 has not paid child support after the specified period B and then the specified period C have passed, the guarantor company sends non-payment information to the child support guarantee management device 100 and issues a notice of the expiration of the guarantor contract to the payer 210, the recipient 310, and the local government 410. The specified period A is, for example, nine months, the specified period B is, for example, three months, and the specified period C is, for example, one month.

[0030] 4 is a block diagram showing an example of the functional configuration of the child support guarantee management device 100 according to an embodiment. The child support guarantee management device 100 includes a communication unit 101, a control unit 102, a storage unit 103, an extraction unit 104, a clause creation unit 105, a sending unit 106, a guarantee fee claim data creation unit 107, an acquisition unit 108, and an input reception unit 109.

[0031] The communication unit 101 has the function of communicating with external devices (such as the terminal 200 of the payer 210, the terminal 300 of the payee 310, and the terminal 400 of the local government 410). The communication unit 101 functions as a sending unit that sends emails requesting a phone call during a specified time period in accordance with instructions from the control unit 102, and as a receiving unit that receives non-payment information indicating that the payer 210 has not paid the payment (child support). As long as the communication unit 101 can communicate with external devices, the communication format can be either wired or wireless. Furthermore, the communication protocol used for communication can be of any standard as long as it allows communication with external devices. The external device may be a PC operated by the local government 410.

[0032] In accordance with instructions from the control unit 102, the communication unit 101 sends an email to the terminal 200 of the payer 210 urging them to make a phone call. The communication unit 101 also receives non-payment information indicating that the payer 210 has neglected to pay child support from the terminal 300 of the payee 310 or the terminal 400 of the local government 410, and transmits the non-payment information to the control unit 102. The non-payment information includes at least a payer ID identifying the payer 210 and period information identifying the period of non-payment, and is transmitted for each period of non-payment. The guarantor company fulfills the guarantee obligation. Information is then transmitted to the control unit 102 to determine whether the amount of non-payment exceeds the 12-month upper limit of the delinquent balance. Note that this upper limit of the delinquent balance is not limited to 12 months, and may be, for example, 6 months or 24 months.

[0033] The memory unit 103 is a storage medium capable of storing various programs and data required for the operation of the child support guarantee management device 100. The memory unit 103 can be realized by a storage device such as a hard disk drive (HDD), a solid state drive (SSD), or a flash memory. The memory unit 103 stores a contract database 110, a payer database 120, a payee database 130, and a non-payment information database 140. The contract database 110 contains information indicating that a child support payment contract has been concluded, associating information indicating the payer with information indicating the payee. This information includes information on the contract date and the age at which the payment contract expires. The age at which the payment contract expires includes the traditional age of majority, 20 years old, and the current age of majority, 18 years old. The age at which the payment contract expires may also be an age determined between the payer 210 and the payee 310. The payer database 120 contains information regarding the attributes of the payer, as shown in FIG. 5. The attributes referred to here indicate the characteristics of the lessee, and include various information such as name, email address, telephone number, and address. The payee database 130, as shown in FIG. 6, is information relating to the attributes of the payee. The payee attributes referred to here indicate the characteristics of the payee, and include various information such as name, email address, telephone number, and address. The non-payment information database 140 is information for managing payers who have defaulted on payments.

[0034] The input receiving unit 109 has a function of receiving input from an operator of the child support guarantee management device 100. The input receiving unit 109 can be realized by, for example, a character input device such as a keyboard, or a pointing device such as a mouse. The input receiving unit 109 has a function of transmitting the input content received from the operator to the control unit 102.

[0035] The control unit 102 is a processor having the function of controlling each unit of the child support guarantee management device 100. The control unit 102 controls each unit of the child support guarantee management device 100 by executing a control program stored in the memory unit 103. The control unit 102 comprises: a determination unit 160 that determines that the guarantee contract has expired if child support is not paid within a predetermined period before the end of the contracted period with the local government 410 and within a predetermined period after the end of the contracted period with the local government 410, and that excludes the recipient 310 for whom it has been determined that the guarantee contract has expired from the scope of guarantee; and a switching unit 150 that switches the contract between the local government 410 and the guarantor company to a contract between the guarantor company and the recipient 310 after the end of the period in which the local government 410 is the contracted party, in a guarantee contract in which the local government 410 becomes the contracting party, pays a guarantee fee, and the guarantor company guarantees the payment of child support.

[0036] In a guarantee contract in which the local government 410 becomes the contracting party, pays a guarantee fee, and a guarantor company guarantees the payment of child support, the switching unit 150 switches the contract between the local government 410 and the guarantor company to a contract between the guarantor company and the recipient 310 after the end of the period in which the local government 410 becomes the contracting party and pays the guarantee fee. The local government 410 becomes the contracting party of the guarantee contract and pays the guarantee fee for payments from the payer 210 for one year from the conclusion of the contract, and the guarantee by the guarantor company will end after one year has passed. Therefore, if the recipient 310 wishes, they can enter into a contract with a guarantor company to continue receiving guarantees for payments from the payer 210.

[0037] The extraction unit 104 extracts contracts that are due after a predetermined period (e.g., nine months) has passed since the contract date of the contract that the local government 410 concluded with the guarantee company, or a predetermined period (e.g., three months) before the contract expiration date, and extracts the recipients of those contracts as targets. When the communication unit 101 acquires information corresponding to reasons for exemption such as death or relocation from the local government 410, the extraction unit 104 extracts the recipients 310 of the contracts that are to be terminated.

[0038] The clause preparation unit 105 automatically prepares the clauses of the guarantee contract for the switching target person. The clause preparation unit 105 automatically prepares the clauses of the guarantee contract for the switching target person even if the recipient 310 has moved. One method of automatic preparation is to provide a basic format with an input field that differs for each contract target person, and to automatically input information obtained from the contract database 110 or the recipient database 130 in the storage unit 103 into the input field (for example, the name of the recipient 310). The sending unit 106 automatically sends the clauses prepared by the clause preparation unit 105 to the recipient 310, and confirms whether the recipient 310 intends to switch the contract.

[0039] The acquisition unit 108 acquires information corresponding to the reasons for exemption such as death, relocation, etc. of the payer 210 and the payee 310 from the local government 410.

[0040] The determination unit 160 determines that the guarantee contract has expired if the payer 210 has not paid child support a predetermined number of times within a predetermined period before the end of the period in which the local government 410 becomes the contracting party and pays the guarantee fee, and within a predetermined period after the end of the period in which the local government 410 becomes the contracting party and pays the guarantee fee, and excludes the recipient 310 whose guarantee contract has been determined to have expired from the scope of the guarantee. Child support payments are basically made monthly from the payer 210 to the recipient 310, so they are managed in the form of, for example, payment in March, payment in April, no payment in May (one payment agency action), payment in June, no payment in July (a second payment agency action). Even if the number of non-payments reaches a predetermined number (for example, 11 times (for 11 months)), if the payer 210 subsequently pays the guarantor company the amount for a predetermined period (for example, two months), this will not be counted as a default in the obligation to pay child support for the predetermined number of times; in other words, it will be treated as a default in the obligation to pay child support for the number of months calculated by subtracting the amount for the predetermined period from the predetermined number of times. The amount remaining after the payer 210 pays the guarantor company is considered to be the balance in arrears, and if this balance in arrears reaches 12 months, the guarantor contract will expire, and the contracting party cannot be switched from the local government 410 to the recipient 310, or the guarantor company will no longer be able to provide guarantees, and demands and collection will be made, and in some cases legal action will be taken (including cases where a lawyer is hired to collect).

[0041] The determination unit 160 also determines that a payment agreement has expired when the child being supported reaches the traditional or current age of majority. The traditional age of majority is specifically 20 years old, and the current age of majority is specifically 18 years old. The contract may also specify an age at which payment is due. For example, the contract may specify that child support is to be paid until the child being supported turns 15 years old, but that child support is not to be paid thereafter.

[0042] The determination unit 160 also determines that the child support agreement has expired if the child dies, because if the child dies, there will be no one to raise the child.

[0043] The determination unit 160 also determines whether the payment contract expires by matching the information on the death of the child obtained from the information corresponding to the grounds for exemption such as death or relocation obtained by the acquisition unit 108 from the local government 410 with the updated information on the payment contract. This is because if it is found that the child has died based on the information corresponding to the grounds for exemption such as death or relocation, there will be no one to raise the child.

[0044] The determination unit 160 also determines that the guarantee contract has met the termination criteria if both the payer 210 and the payee 310 have moved to different municipalities 410. Whether the payer 210 and the payee 310 have moved to different municipalities 410 can be determined from information corresponding to the aforementioned reasons for exemption, such as death or relocation. This is because if the payer 210 and the payee 310 have moved to different municipalities 410, the information of both the payer 210 and the payee 310 cannot be traced from the resident registration. In addition, since the municipality 410 guarantees the payment of child support as a service to residents of the municipality 410, if the person moves to a different municipality, they will no longer be a resident of the municipality 410, and there will be no benefit for the municipality 410 to provide its services.

[0045] In this embodiment, the third party who is the contracting party is a local government, but this is not limited to this, and for example, an insurance company or an NPO corporation can also be the contracting party. Also, in this embodiment, the target is a guarantee contract for child support payment obligations, but this is not limited to this, and the target is, for example, a guarantee contract for payment obligations such as rent, medical expenses, or nursing care expenses.

[0046] Next, the child support guarantee management method and child support guarantee management program of the embodiment will be described using the flowchart in Figure 7. Figure 7 is a flowchart showing the child support guarantee management method of the embodiment. The child support guarantee management method of the embodiment is executed by the computer (control unit 102) of the child support guarantee management device 100 of the embodiment based on the child support guarantee management program (see Figure 4). The child support guarantee management program of the embodiment enables the computer of the child support guarantee management device 100 to achieve a storage function, an extraction function, a clause creation function, a sending function, and a switching function. Each function overlaps with the description of the child support guarantee management device 100 of the embodiment described above, so details will be omitted.

[0047] As shown in FIG. 7 , first, the storage unit 103 stores information including the names and contact information of the payer 210, the local government 410, and the recipient 310 (step S101). Next, the extraction unit 104 extracts a switching target person who will switch from a contract between the local government 410 and a guarantor company to a contract between the guarantor company and the recipient 310 before the expiration of the period during which the local government 410 becomes the contracting party and pays the guarantee fee for child support (step S102). Next, the terms and conditions creation unit 105 automatically creates terms and conditions for the payment contract for the switching target person (step S103). Next, the sending unit 106 automatically sends the terms and conditions created in the terms and conditions creation step (step S104). Next, in the guarantee contract in which the local government becomes the contracting party for a limited period and pays the guarantee fee, and the guarantor company guarantees the payment of child support, the switching unit 150 switches the contract between the local government 410 and the guarantor company to a contract between the guarantor company and the recipient 310 after the expiration of the period during which the local government becomes the contracting party and pays the guarantee fee (step S105).

[0048] In the storage function, the storage unit 103 stores information including the names and contact information of the payer 210, the local government 410, and the recipient 310 (storage step). In the extraction function, the extraction unit 104 extracts a switching target person who will switch from a contract between the local government 410 and a guarantor company to a contract between the guarantor company and the recipient 310 before the expiration of the period during which the local government becomes the contract holder for child support and pays the guarantee fee (extraction step). In the terms and conditions creation function, the terms and conditions creation unit 105 automatically creates terms and conditions of the payment contract for the switching target person (terms and conditions creation step). In the sending function, the sending unit 106 automatically sends the terms and conditions created by the terms and conditions creation function (sending step). In the switching function, in a guarantee contract in which the local government becomes the contract holder for a limited period and pays the guarantee fee, and the guarantor company guarantees the payment of child support, the switching unit 150 switches the contract between the local government 410 and the guarantor company to a contract between the guarantor company and the recipient 310 after the expiration of the period during which the local government becomes the contract holder and pays the guarantee fee (switching step).

[0049] According to each aspect of the present disclosure described above, in a payment contract in which one divorced parent pays child support to the other parent, it becomes possible to manage payments by the payer, and in a guarantee contract in which the local government becomes the contract holder for a limited period and pays the guarantee fee, and in a guarantee contract in which the guarantor company guarantees the payment of child support, it becomes possible to appropriately switch the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient.

[0050] The communication program of the embodiment can be implemented using, for example, a scripting language such as ActionScript, JavaScript (registered trademark), Python, or Ruby, or a compiler language such as C, C++, C#, Objective-C, Swift, or Java (registered trademark).

[0051] [Functions and circuits] Next, the functions and circuits of the above-mentioned child support guarantee management device 100 will be described. Each unit of the child support guarantee management device 100 may be realized as a function of a computer's arithmetic processing unit, etc. In other words, the communication unit 101, control unit 102, memory unit 103, extraction unit 104, terms and conditions creation unit 105, sending unit 106, guarantee fee claim data creation unit 107, acquisition unit 108, and input acceptance unit 109 of the child support guarantee management device 100 may be realized as a communication function, a control function, a memory function, an extraction function, a terms and conditions creation function, a sending function, a guarantee fee claim data creation function, an acquisition function, and an input acceptance function, respectively, by a computer's arithmetic processing unit, etc. The communication program can cause a computer to realize each of the above-described functions. The communication program may be recorded on a non-transitory computer-readable storage medium, such as a memory, a solid-state drive, a hard disk drive, or an optical disk. The storage medium may also be referred to as a non-transitory computer-readable medium that stores the communication program. The communication program may also be transmitted online. Furthermore, as described above, each unit of the child support guarantee management device 100 may be realized by a computer's arithmetic processing unit, etc. The arithmetic processing unit, etc. is configured, for example, by an integrated circuit, etc. Therefore, each unit of the child support guarantee management device 100 may be realized as a circuit that constitutes the arithmetic processing unit, etc. In other words, the communication unit 101, control unit 102, memory unit 103, extraction unit 104, terms and conditions creation unit 105, sending unit 106, guarantee fee claim data creation unit 107, acquisition unit 108, and input acceptance unit 109 of the child support guarantee management device 100 may be realized as a communication circuit, control circuit, memory circuit, extraction circuit, terms and conditions creation circuit, sending circuit, guarantee fee claim data creation circuit, acquisition circuit, and input acceptance circuit that constitute the computer's arithmetic processing unit, etc. Furthermore, the communication unit 101, control unit 102, memory unit 103, extraction unit 104, terms and conditions creation unit 105, sending unit 106, guarantee fee claim data creation unit 107, acquisition unit 108, and input acceptance unit 109 of the child support guarantee management device 100 may be realized as, for example, a communication function, a control function, a memory function, an extraction function, a terms and conditions creation function, a sending function, a guarantee fee claim data creation function, an acquisition function, and an input acceptance function including the functions of an arithmetic processing device, etc. Furthermore, the communication unit 101, control unit 102, memory unit 103, extraction unit 104, terms and conditions creation unit 105, sending unit 106, guarantee fee claim data creation unit 107, acquisition unit 108, and input acceptance unit 109 of the child support guarantee management device 100 may be realized as, for example, a communication circuit, a control circuit, a memory circuit, an extraction circuit, a terms and conditions creation circuit, a sending circuit, a guarantee fee claim data creation circuit, an acquisition circuit, and an input acceptance circuit by being configured using integrated circuits, etc. Furthermore, the communication unit 101, control unit 102, memory unit 103, extraction unit 104, terms and conditions creation unit 105, sending unit 106, guarantee fee claim data creation unit 107, acquisition unit 108 and input acceptance unit 109 of the child support guarantee management device 100 may be configured, for example, as a communication device, control device, memory device, extraction device, terms and conditions creation device, sending device, guarantee fee claim data creation device, acquisition device and input acceptance device by being composed of multiple devices.

[0052] The child support guarantee management device 100 can combine one or any combination of the above-mentioned multiple units. In this disclosure, the term "information" is used, but the term "information" can be replaced with "data" and the term "data" can be replaced with "information."

[0053] [Aspects and Effects of the Present Embodiment] Next, one aspect of this embodiment and the effects of each aspect will be described. Note that each aspect described below is an example at the time of filing, and this embodiment is not limited to the aspects described below. In other words, this embodiment is not limited to the aspects described below, and may be realized by appropriately combining the above-mentioned parts. Furthermore, a lower-level aspect may be able to cite any of the higher-level aspects. The effects of the present embodiment described below are merely examples, and the effects of each aspect are not limited to those described below. Each aspect may, for example, achieve at least one of the effects described below.

[0054] (Aspect 1) One embodiment of the child support guarantee management device is a child support guarantee management device that manages payments by a payer in a payment contract in which one divorced parent pays child support to the other parent, and in the guarantee contract in which a local government becomes the contract holder for a limited period of time and pays a guarantee fee, and a guarantor company guarantees the payment of child support, the device comprises: a switching unit that switches the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient after the end of the period in which the local government becomes the contract holder and pays the guarantee fee; a memory unit that stores information including the names and contact information of the payer, the local government, and the recipient; an extraction unit that extracts persons to be switched, whose contract between the local government and the guarantor company will be switched to a contract between the guarantor company and the recipient before the end of the period in which the local government becomes the contract holder and pays the guarantee fee; a terms and conditions creation unit that automatically creates terms and conditions of the payment contract for persons to be switched to; and a sending unit that automatically sends the terms and conditions created by the terms and conditions creation unit. This makes it possible for the child support guarantee management device to manage payments by the payer in a payment contract in which one divorced parent pays child support to the other parent, and for the local government to become the contracting party for a limited period and pay the guarantee fee, and for the guarantee contract in which the payment of child support is guaranteed by a guarantor company, to appropriately switch the name of the child support guarantee contract from the local government to the recipient.

[0055] (Aspect 2) One embodiment of the child support guarantee management device may further include a guarantee fee claim data creation unit that creates guarantee fee claim data for those among the switching targets who have agreed to the guarantee contract, and a communication unit that communicates with the payer, the switching target, and the local government. This makes it possible for the child support guarantee management device to manage payments by the payer in a payment contract in which one divorced parent pays child support to the other parent, and for the local government to become the contracting party for a limited period and pay the guarantee fee, and for the guarantee contract in which the payment of child support is guaranteed by a guarantor company, to appropriately switch the name of the child support guarantee contract from the local government to the recipient.

[0056] (Aspect 3) One embodiment of the child support guarantee management device may further include a determination unit that determines that the guarantee contract has expired if the child support payment contract is a contract to pay a fixed amount every specified period, and if the payer's outstanding balance reaches a specified number of months within a specified period before the end of the period in which the local government becomes the contract holder and pays the guarantee fee, or within a specified period after the end of the period in which the local government becomes the contract holder and pays the guarantee fee, and excludes a payer whose guarantee contract has been determined to have expired from the scope of the guarantee. This allows the child support guarantee management device to prevent the guarantee company from paying out unnecessary guarantee money.

[0057] (Aspect 4) In one aspect of the child support guarantee management device, the determination unit may determine that the payment agreement has expired when the child who is the subject of child support reaches the age at which the payment agreement expires. This allows the child support guarantee management device to prevent the guarantee company from paying out unnecessary guarantee money.

[0058] (Aspect 5) In one aspect of the child support guarantee management device, the determination unit may determine that the payment contract has expired if the child dies. This allows the child support guarantee management device to prevent the guarantee company from paying out unnecessary guarantee money.

[0059] (Aspect 6) The system may further include an acquisition unit that acquires information corresponding to grounds for exemption such as death or relocation of the payer and recipient from the local government, and the determination unit may determine whether the payment contract will expire by matching the information on the death of the child obtained from the information corresponding to grounds for exemption such as death or relocation acquired by the acquisition unit with the information on the updated payment contract. This allows the child support guarantee management device to prevent the guarantee company from paying out unnecessary guarantee money.

[0060] (Aspect 7) The determination unit may determine that the payment agreement has expired if both the payer and the payee have moved to different municipalities. This allows the child support guarantee management device to prevent the guarantee company from paying out unnecessary guarantee money.

[0061] (Aspect 8) One aspect of the child support guarantee management method is a child support guarantee management method for managing payments by a payer in a payment contract in which one divorced parent pays child support to the other parent, and in the guarantee contract in which a local government becomes the contract holder for a limited period of time and pays a guarantee fee, and a guarantor company guarantees the payment of child support, the method comprises the following steps: a switching step for switching the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient after the end of the period in which the local government becomes the contract holder and pays the guarantee fee; a storage step for storing information including the names and contact information of the payer, the local government, and the recipient; an extraction step for extracting persons eligible for switching, whose contract between the local government and the guarantor company will be switched to a contract between the guarantor company and the recipient before the expiration of the period in which the local government becomes the contract holder and pays the guarantee fee; a terms and conditions creation step for automatically creating terms and conditions of the payment contract for persons eligible for switching; and a sending step for automatically sending the terms and conditions created in the terms and conditions creation step. As a result, the child support guarantee management method can achieve the same effects as the child support guarantee management device of the above-mentioned aspect.

[0062] (Aspect 9) One aspect of the child support guarantee management program is a child support guarantee management program that manages payments by a payer in a payment contract in which one divorced parent pays child support to the other parent, and causes a computer to execute the following functions in a guarantee contract in which a local government becomes the contract holder for a limited period of time, pays a guarantee fee, and a guarantor company guarantees the payment of child support: a switching function that switches the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient after the end of the period in which the local government becomes the contract holder and pays the guarantee fee; a storage function that stores information including the names and contact information of the payer, the local government, and the recipient; an extraction function that extracts persons eligible for switching, whose contract between the local government and the guarantor company will be switched to a contract between the guarantor company and the recipient before the expiration of the period in which the local government becomes the contract holder and pays the guarantee fee; a terms and conditions creation function that automatically creates terms and conditions for the payment contract for persons eligible for switching; and a sending function that automatically sends the terms and conditions created by the terms and conditions creation function. As a result, the child support guarantee management program can achieve the same effects as the child support guarantee management device of the above-described embodiment. [Explanation of symbols]

[0063] 100 Child Support Guarantee Management Device 101 Communications Department 102 Control section 103 Storage section 104 Extraction part 105 Terms and Conditions Preparation Department 106 Sending Department 107 Guarantee Fee Claim Data Creation Department 108 Acquisition Department 109 Input reception section 110 Contract Database 120 Payer Database 130 Recipient Database 140 Non-payment Information Database 150 Switching section 160 Judgment section 200 Payer's terminal 201 Payer 300 Recipient's terminal 301 Recipient 400 municipal terminals 401 Municipality

Claims

1. A child support guarantee management device for managing payments by a payer in a payment agreement in which one divorced parent pays child support to the other parent, comprising: In a guarantee contract in which a local government becomes a contracting party for a limited period and pays a guarantee fee, and a guarantor company guarantees the payment of the child support, a switching unit switches the contract between the local government and the guarantor company to a contract between the guarantor company and a recipient after the end of the period in which the local government becomes a contracting party and pays the guarantee fee; A memory unit that stores information including the names and contact information of the payer, the local government, and the payee; an extraction unit that extracts a switching target person who will switch from a contract between the local government and the guarantor company to a contract between the guarantor company and the recipient before the end of a period during which the local government becomes a contract holder and pays a guarantee fee; a terms and conditions creation unit that automatically creates terms and conditions of the payment contract for the switching target person; a sending unit that automatically sends the terms and conditions created by the terms and conditions creation unit; A child support guarantee management device comprising:

2. a guarantee fee claim data creation unit that creates guarantee fee claim data for those who have agreed to the guarantee contract among the switching target persons; a communication unit that communicates with the payer, the switching target person, and the local government; The child support guarantee management device according to claim 1, further comprising:

3. 2. The child support guarantee management device of claim 1, further comprising a determination unit that determines that the guarantee contract has expired if the child support payment contract is a contract to pay a fixed amount at predetermined intervals, and if the payer's outstanding balance of child support reaches a predetermined number of months within a predetermined period before the end of the period in which the local government becomes the contracting party and pays the guarantee fee, and within a predetermined period after the end of the period in which the local government becomes the contracting party and pays the guarantee fee, and excludes a payer whose guarantee contract has been determined to have expired from the scope of the guarantee.

4. 4. The child support guarantee management device according to claim 3, wherein the determination unit determines that the payment agreement has expired when the child who is the object of the child support reaches an age at which the payment agreement expires.

5. 4. The child support guarantee management device according to claim 3, wherein said determination unit determines that said payment contract has expired if said child dies.

6. An acquisition unit that acquires information corresponding to reasons for exemption such as death or relocation of the payer and the recipient from the local government, The child support guarantee management device of claim 5, wherein the determination unit determines whether the payment contract will expire by matching the information on the child's death obtained from the information corresponding to the grounds for exemption such as death or relocation acquired by the acquisition unit with the updated information on the payment contract.

7. 4. The child support guarantee management device according to claim 3, wherein the determination unit determines that the payment agreement has expired if both the payer and the recipient have moved to different municipalities.

8. A child support guarantee management method for managing payments by a payer in a payment agreement in which one divorced parent pays child support to the other parent, comprising: In a guarantee contract in which a local government becomes a contracting party for a limited period and pays a guarantee fee, and a guarantor company guarantees the payment of the child support, a switching step is performed to switch the contract between the local government and the guarantor company to a contract between the guarantor company and a recipient after the end of the period in which the local government becomes a contracting party and pays the guarantee fee; a storing step of storing information including the names and contact details of the payer, the local government, and the payee; an extraction step of extracting a switching target person who will switch from a contract between the local government and the recipient to a contract between the guarantor company and the recipient before the expiration of the period during which the local government becomes a contract holder and pays a guarantee fee; a clause creation step of automatically creating a clause of the payment contract for the switching target person; a sending step of automatically sending the terms and conditions created in the terms and conditions creation step; A child support guarantee management method that includes:

9. 1. A child support guarantee administration program for administering payments by a payor in a payment agreement in which one divorced parent pays child support to the other parent, comprising: On the computer, In a guarantee contract in which a local government becomes a contracting party for a limited period and pays a guarantee fee, and a guarantor company guarantees the payment of the child support, a switching function is provided to switch the contract between the local government and the guarantor company to a contract between the guarantor company and the recipient after the end of the period in which the local government becomes a contracting party and pays the guarantee fee; a memory function for storing information including the names and contact details of the payer, the local government, and the payee; an extraction function for extracting a switching target person who will switch from a contract between the local government and the guarantee company to a contract between the guarantee company and another guarantee company before the expiration of the period during which the local government becomes a contract holder and pays a guarantee fee; a clause creation function that automatically creates clauses of the payment contract for the switching target person; a sending function that automatically sends the terms and conditions created by the terms and conditions creation function; A child support guarantee management program that allows

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