Information processing system, information processing method, and program

Abstract

To enable even users who cannot obtain sufficient available balance by credit determination or users who do not own cash to smoothly and quickly perform settlement using credit cards.MEANS FOR SOLVING THE PROBLEM: The terminal receives a request for a factoring contract for a claim corresponding to a billing-related document issued by the customer to a business partner. Based on establishment of the factoring contract for all or a part of the amount of money of the claim, an amount of money equivalent to the amount of money for which the factoring contract is established is given to the users as a available balance of credit cards used by the users for settlement.SELECTED DRAWING: Figure 3

Description

[Technical Field]

[0001] The present disclosure relates to an information processing system, an information processing method, and a program for facilitating the use of credit cards. [Background technology]

[0002] Traditionally, credit cards have been widely used by users for payment. A credit card is a card that allows deferred payment for goods, services, etc., based on the credit of the cardholder. Credit card users can make payments within the available credit limit (limit) set by the card company, and the amount of the payment is later deducted in one lump sum from the user's account (specifically, an account designated by the user). In recent years, with the spread of the Internet, there has been a rapid increase in transactions and service offerings that require payment by credit card, and there are also an increasing number of cases where payment can only be made by credit card.

[0003] With a typical credit card, a credit decision is made based on a review of the user (for example, a review of the stability of income), and the credit limit is set based on the user's credit rating. Therefore, if the user's income is low and / or unstable, or if the user is a newly established corporation, there is a possibility that the credit limit will not be sufficient (or the credit card itself may not be issued), and in such cases, transactions or services that require credit card payments cannot be accommodated.

[0004] Patent Document 1 describes a system in which a user transfers a security deposit (collateral) to an account of a credit card issuing institution, and the credit card issuing institution issues the user a credit card with a credit limit corresponding to the security deposit, allowing the credit card to be used for payments within the credit limit corresponding to the security deposit. This makes it possible for users who are not granted a sufficient credit limit due to a credit decision to participate in transactions and services that require payment by credit card. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Japanese Patent Application Laid-Open No. 2002-269354 Summary of the Invention [Problem to be solved by the invention]

[0006] However, conventional technology that allows credit cards to be used with a deposit as collateral has the problem that only users who have cash can provide collateral, and therefore credit cards cannot be used for payment.

[0007] For example, if a user issues an invoice to a business partner and the payment (deposit) from the business partner is not received until several months later, the user will have accounts receivable (credit) but will not have cash on hand for a long period of time, and will therefore be unable to provide collateral during that period and will not be able to use a credit card for payment.

[0008] Therefore, the present disclosure aims to provide an information processing system, an information processing method, and a program that enable users who do not have sufficient credit limit due to credit judgment or who do not have cash to make payments using a credit card smoothly and quickly. [Means for solving the problem]

[0009] An information processing system according to a first aspect of the present disclosure includes a communication unit that communicates with a user's terminal device, a reception unit that receives a request for a factoring contract for receivables corresponding to billing-related documents issued by the user to a business partner, and a management unit that manages the available credit limit of a credit card used by the user for payment. Upon the factoring contract being concluded for all or part of the amount of the receivables, the management unit grants the user an amount equivalent to the consideration based on the amount for which the factoring contract was concluded as the available credit limit.

[0010] Here, "invoice-related documents" primarily refer to invoices, but are not limited to invoices. For example, "invoice-related documents" may be estimates issued prior to invoices. In the embodiment described below, an example in which "invoice-related documents" are invoices will be described. Note that "documents" do not necessarily have to be paper media and may be electronic data.

[0011] An information processing method according to a second aspect of the present disclosure is an information processing method executed by an information processing system, comprising the steps of: communicating with a user's terminal device; accepting a request for a factoring contract for receivables corresponding to billing-related documents issued by the user to a business partner; and managing the available credit limit of a credit card used by the user for payment. In the managing step, based on the establishment of the factoring contract for all or part of the amount of the receivables, an amount equivalent to the consideration to the user based on the amount at which the factoring contract was established is granted as the available credit limit.

[0012] A program according to a third aspect of the present disclosure causes an information processing system to execute the steps of communicating with a user's terminal device, accepting a request for a factoring contract for receivables corresponding to billing-related documents issued by the user to a business partner, and managing the available credit limit of a credit card used by the user for payment. In the managing step, based on the establishment of the factoring contract for all or part of the amount of the receivables, an amount equivalent to the consideration for the user based on the amount for which the factoring contract was established is granted as the available credit limit. [Effects of the Invention]

[0013] According to one aspect of the present disclosure, an information processing system, an information processing method, and a program can be provided that enable users who do not have sufficient credit limits due to credit assessment or who do not have cash to make payments using a credit card smoothly and quickly. [Brief explanation of the drawings]

[0014] [Figure 1] 1 is a diagram illustrating an example of the configuration of an information processing system according to an embodiment. [Figure 2] FIG. 1 is a diagram illustrating an example of the overall operation of an information processing system according to an embodiment. [Figure 3] FIG. 2 is a diagram illustrating an example of the configuration of a server device according to an embodiment. [Figure 4] FIG. 10 is a diagram illustrating an example of an operation flow of the server device according to the embodiment. [Figure 5] FIG. 10 is a diagram for explaining a modified example of the embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0015] An information processing system according to an embodiment will be described with reference to the drawings. In the description of the drawings, the same or similar parts are denoted by the same or similar reference numerals.

[0016] (1) System configuration example FIG. 1 is a diagram showing an example of the configuration of an information processing system 1 according to this embodiment.

[0017] The information processing system 1 according to this embodiment includes a server device 100 and a terminal device 200. The server device 100 and the terminal device 200 are connected to a network 5. The network 5 includes the Internet. The network 5 may include a LAN (Local Area Network) and / or a WAN (Wide Area Network). The server device 100 is capable of communicating with the terminal device 200 via the network 5.

[0018] The server device 100 is an information processing device that executes information processing according to this embodiment. The server device 100 may be a general-purpose computer such as a workstation or a PC, or may be logically realized by cloud computing (distributed computing). In other words, the server device 100 may be configured with one computer or multiple computers.

[0019] In this embodiment, the server device 100 belongs to a service provider that provides a credit card service combined with factoring (specifically, bilateral factoring). The service provider according to this embodiment functions as a factoring company that provides online factoring services, and also functions as an issuer that issues credit cards 10. These functions may be realized by the same entity (business operator) or by different entities (e.g., a parent company and a subsidiary).

[0020] Here, "factoring" refers to a service (business) in which a party purchases accounts receivable (also simply referred to as "receivables"), which are the right to receive accounts receivable, and collects the payment at the party's own risk. By using factoring, users can sell their accounts receivable before payment and convert them into cash earlier than the original scheduled payment date. "Two-party factoring" is a factoring arrangement conducted between a service provider and a user, and does not require the consent of the account receivable party (i.e., the user's business partner). Note that the factoring (factoring contract) in this embodiment may be a contract that transfers the economic benefits and risks associated with the receivables from the user to the service provider (participant) without transferring the rights and obligations associated with the receivables. This type of factoring is sometimes referred to as "loan participation" or "participation."

[0021] In the following embodiment, an example of factoring is described in which the factoring is bilateral factoring, but the present invention is not limited to bilateral factoring. For example, the factoring may be three-party factoring. "Three-party factoring" is a contract in which the client and the factoring company directly handle the procedures for payment of accounts receivable. In other words, the information processing system 1 according to this embodiment is applicable to factoring in general.

[0022] Furthermore, an "issuer" is a person who obtains a license from a card company that provides international payment functions, issues credit cards with the card company's name to users, and acts as an intermediary between the card company and users. In this embodiment, the service provider that functions as an issuer may or may not also have the function of an acquirer that manages card member stores.

[0023] The terminal device 200 is, for example, a mobile terminal device such as a smartphone, a tablet terminal device, a wearable terminal device, or a notebook PC. The terminal device 200 may also be a fixed terminal device such as a desktop PC. The terminal device 200 has a user interface and an interface with the network 5. The user interface includes a display means, an input means (operation input means, a microphone, and / or a camera, etc.), and an output means (a speaker, etc.). The operation input means may include, for example, at least one of a touchpad (which may be a touch panel display), a mouse, and a keyboard. The interface with the network 5 includes at least one of a wired communication interface and a wireless communication interface.

[0024] The terminal device 200 can use a service (online service) provided by a service provider by communicating with the server device 100. A dedicated application (software) for the service may be installed in the terminal device 200. The terminal device 200 (each user) may use the service using a general-purpose browser. The user of the terminal device 200 may have an account for the service, and the account information (user information) may be registered in the server device 100. The terminal device 200 belongs to a user who uses a credit card 10 issued by the service provider, and receives operational input from the user and presents information to the user.

[0025] In this embodiment, the server device 100 grants the purchase price based on the factoring contract between the user and the service provider as a credit limit on the credit card 10. This allows the user to make payments using the credit card 10 up to the amount of the purchase price.

[0026] Therefore, the user does not have to wait for payment (deposit) from the business partner, that is, even if the user does not have cash on hand, he or she can make payments using the credit card 10. Therefore, even if a user does not have a sufficient credit limit due to a credit decision or does not have cash on hand, by establishing a factoring contract, he or she can smoothly and quickly make payments using a credit card.

[0027] (2) Overall operation example 2 is a diagram showing an example of the overall operation of the information processing system 1 according to this embodiment. Various exchanges between the server device 100 and the terminal device 200 are carried out via a network 5. These exchanges include exchanges related to the conclusion or termination of a contract.

[0028] In step S0, the service provider issues a credit card 10 to the user. The user (terminal device 200) can apply for card issuance online by communicating with the service provider (server device 100) via network 5. At that time, the user (terminal device 200) can provide (upload) documents such as personal identification documents to the service provider (server device 100) as electronic data. The user then concludes a card usage contract with the service provider.

[0029] In this embodiment, the amount of credit available for the credit card 10 (hereinafter also referred to as "card credit limit") is the amount of credit available for the factoring contract, so the credit judgment (credit rating) made on the user for issuing the credit card 10 may be kept to a minimum. Specifically, the credit rating given to the receivables may be more important than the credit rating given to the user. At the time of issuance of the credit card 10, the card credit limit based on the factoring contract may be zero.

[0030] In step S1, the user delivers goods to the business partner and makes a claim (issues an invoice). The invoice may be sent to the business partner as electronic data, or may be mailed to the business partner as a paper document.

[0031] In step S2, the user logs in to the server device 100 (service site) using the terminal device 200, submits documents such as supporting documents for the receivables to be included in the factoring contract and recent deposit and withdrawal details to the service provider, and applies for (requests) a factoring contract. At this time, the user (terminal device 200) can provide (upload) these documents to the service provider (server device 100) as electronic data. The server device 100 accepts the request including the documents. Here, the user can also choose to include only a portion of the receivables in the factoring contract. For example, the user may choose to include only 800,000 yen of a 1 million yen receivable in the factoring contract.

[0032] The service provider (server device 100) examines the existence of the receivables, assigns a credit rating to the receivables, and determines whether or not a factoring contract can be concluded, and if so, presents the amount of the service fee and the factoring contract to the user. The service provider (server device 100) may automatically perform at least a part of this examination (credit rating) using, for example, AI. If the user agrees to the conditions and contract contents presented by the service provider (server device 100) via the terminal device 200, a factoring contract is concluded between the user and the service provider. The server device 100 stores the contents of the concluded factoring contract.

[0033] In step S3, the server device 100 adds the amount obtained by deducting a service fee from the face value of the receivables (or a portion of the face value if only a portion is the subject of the contract) to the credit card 10's available credit limit. The user can confirm the available credit limit by having the terminal device 200 display the available credit limit by having the terminal device 200 communicate with the server device 100. For example, if a user transfers 900,000 yen of a 1 million yen receivable to the service provider for 800,000 yen, the user will be granted a credit limit of 800,000 yen. In normal factoring, the user is paid in cash for the receivables, but in this embodiment, the user is granted the available credit limit on the credit card rather than in cash.

[0034] In step S4, the user makes a payment at the affiliated store using the credit card 10. At the end of the month in which the payment is made, the card receivable (the card usage debt owed by the user to the service provider) equivalent to the payment amount is offset against the payment debt owed by the service provider to the user under the factoring contract.

[0035] In step S5, the business partner (account holder, debtor) pays the amount of the receivable to the user. The payment is made, for example, by transferring money from the business partner's account to the user's account. Since the factoring according to this embodiment is a two-party factoring, the repayment of the receivable by the business partner is made to the user, not to the service provider.

[0036] In step S6, the user uses the terminal device 200 to pay the service provider the amount of the receivables collected from the business partner (of which the amount is subject to the factoring contract). The payment is made, for example, by transferring money from the user's account to the service provider's account. The server device 100 receives the payment (confirms the payment). In the above example, in which 900,000 yen of the 1 million yen receivable is transferred to the service provider for 800,000 yen and a card credit limit of 800,000 yen is granted, the user is obligated to pay 900,000 yen to the service provider.

[0037] (3) Example of server configuration FIG. 3 is a diagram showing an example of the configuration of the server device 100 according to this embodiment.

[0038] The server device 100 includes a communication unit 110, a storage unit 120, and a processing unit 130. The communication unit 110, the storage unit 120, and the processing unit 130 are connected to one another by a bus or the like (not shown).

[0039] The communication unit 110 communicates with other devices (e.g., terminal device 200) via the network 5 under the control of the processing unit 130. The communication by the communication unit 110 may be wired communication or may include wireless communication. The storage unit 120 includes various memories such as a ROM (Read Only Memory), a RAM (Random Access Memory), and an auxiliary storage device. The programs executed by the processing unit 130 are stored in the ROM and / or the auxiliary storage device of the storage unit 120, for example. The processing unit 130 is composed of one or more processors.

[0040] In this embodiment, the storage unit 120 has a user information storage unit 121, a contract information storage unit 122, an available credit limit storage unit 123, and a payment obligation storage unit 124. The user information storage unit 121 stores user information including the user's account information. The contract information storage unit 122 stores information on the contract contents of the factoring contract between the user and the service provider. The available credit limit storage unit 123 stores information on the available credit limit of the credit card 10. The payment obligation storage unit 124 stores information on the amount that the user and / or service provider is obligated to pay.

[0041] By executing the program (software) stored in the memory unit 120, the processing unit 130 realizes the functions of a reception unit 131 that receives requests, a contract processing unit 132 that processes a contract with a user, an adjustment unit 133 that adjusts a service fee, and a management unit 134 that manages the available credit limit (card available credit limit) of the credit card 10 that the user uses for payment. Each of these units performs information processing using information stored in the memory unit 120 while communicating with the terminal device 200 via the communication unit 110.

[0042] First, an overview of the operation of the processing unit 130 according to this embodiment will be described.

[0043] First, the reception unit 131 receives a request for a factoring contract for a receivable corresponding to an invoice issued by the user to a business partner (step S2 in FIG. 2). Second, the management unit 134 grants the user a credit limit based on the amount of the factoring contract, based on the amount of the receivable.

[0044] As a result, even if a user does not have cash on hand, by entering into a factoring contract with a service provider, the amount of consideration (e.g., 800,000 yen) based on the amount at which the factoring contract is concluded (e.g., 900,000 yen) is granted as the card's available credit limit, making it possible to smoothly and quickly make payments using credit card 10.

[0045] Next, the operation of the processing unit 130 according to this embodiment will be described in detail.

[0046] The management unit 134 grants the amount obtained by deducting the service fee from the amount for which the factoring contract was concluded as the card's available credit limit (step S3 in FIG. 2). Here, the difference (e.g., 100,000 yen) between the amount for which the factoring contract was concluded (e.g., 900,000 yen) and the amount of consideration (e.g., 800,000 yen) corresponds to the service fee.

[0047] The adjustment unit 133 adjusts the service fee based on the result of the credit rating for the receivables (steps S2 and S3 in FIG. 2). The credit rating for the receivables is performed based on documents such as supporting documents for the receivables to be the subject of the factoring contract and the most recent deposit and withdrawal details. The service fee is adjusted so that the higher the credit rating for the receivables (i.e., the lower the risk of the service provider related to the receivables), the lower the service fee, and the lower the credit rating for the receivables (i.e., the higher the risk of the service provider related to the receivables), the higher the service fee.

[0048] The payment obligation storage unit 124 stores the amount for which the factoring contract was concluded as the amount that the user owes to the service provider (step S2 in FIG. 2). The management unit 134 performs processing to receive payment of the amount for which the factoring contract was concluded from the user who has received payment of the receivable amount from the business partner (step S6 in FIG. 2). This processing may include processing to present the amount for which the factoring contract was concluded to the user (terminal device 200). This processing may include processing to transfer money from the user's account to the service provider's account and confirm the amount. This processing may include processing to confirm whether the transferred amount matches the amount for which the factoring contract was concluded.

[0049] The management unit 134 performs processing to exempt the payment of the amount equivalent to the default from the amount for which the factoring contract was established, based on the fact that the user has provided proof that at least a portion of the receivables has defaulted (i.e., the debtor, the business partner, will not fulfill its contractual obligations) before the due date of the receivables (i.e., the day on which the accounts receivable are received from the business partner). For example, the management unit 134 may deduct the amount equivalent to the default from the amount the user owes to the service provider.

[0050] Specifically, when proof is given that all or part of a claim has defaulted before the due date of the claim, the management unit 134 does not change the card's available credit limit. Therefore, the user can continue to use the credit card 10. On the other hand, since the user has not collected the amount equivalent to the default, no collected amount will be paid by the user to the service provider. The user is obligated to pay the amount equivalent to the collected amount to the service provider.

[0051] For example, if a user transfers 900,000 yen of a 1 million yen claim to a service provider, recovers 300,000 yen of the 1 million yen, and proves to have defaulted on the remaining amount, the user will be obligated to pay the service provider 1 million x 90 / 100 x 30 / 100 = 270,000 yen. In other words, the service provider bears the risk of default on the claim.

[0052] The management unit 134 zeros the credit limit based on the factoring contract when the condition that the debt due date arrives and the user does not make payment is met without the user providing proof that the debt is in default. The payment obligation storage unit 124 stores the difference between the amount at which the factoring contract was concluded and the remaining credit limit when the condition is met as the amount the user owes to the provider.

[0053] Specifically, if the due date of the receivable arrives without proof of default and the user fails to make payment to the service provider, the factoring contract is terminated in accordance with the terms of service. As a result, the management unit 134 sets the card's available credit limit to 0 yen, and thereafter prevents the credit card 10 from being used based on the card's available credit limit. If the user has already used (consumed) part or all of the card's available credit limit for payments, the user is obligated to pay the service provider the amount equivalent to that use as restitution following the termination of the contract.

[0054] For example, if a user (who is granted a card limit of 800,000 yen) transfers 900,000 yen of a 1 million yen receivable to a service provider for 800,000 yen (i.e., a service fee of 100,000 yen), and then uses up 600,000 yen of the card limit, but the user does not make any payment to the service provider and does not provide proof that the receivable has defaulted, the card limit will become 0 yen, and the service provider will be obligated to pay the user the remaining card limit of 200,000 yen. The user will be obligated to pay the service provider 900,000 yen, but this will be offset against the 200,000 yen debt, leaving a net obligation to pay the service provider of 700,000 yen.

[0055] The management unit 134 performs processing to zero the card limit based on the factoring contract when a predetermined period (e.g., six months) has passed without all or part of the card limit being used, and to transfer the remaining amount of the card limit after the predetermined period has passed to the user's account. In other words, the card limit is converted into cash, and the card is not classified as a prepaid payment instrument.

[0056] Specifically, the provision of payment instruments is subject to regulations under laws such as the "Act on Settlement of Funds (Settlement Act)" and the "Enforcement Order of the Act on Settlement of Funds (Settlement Act Enforcement Order)." According to the Settlement Act, payment instruments that meet the following four requirements are called "prepaid payment instruments": (1) monetary value, such as amount, is recorded; (2) they are issued in exchange for payment according to the amount and quantity; (3) they are issued as a certificate, number, symbol, or other code; and (4) they are used to pay for goods or services. To protect users, issuers are subject to numerous obligations (Article 3, Paragraph 1, Item 1 of the Settlement Act). However, because this alone is not enough to promote the provision of services, exemptions from these obligations are provided for when certain requirements are met (Article 4 of the Settlement Act). One of them is that "it can only be used within a certain period determined by government ordinance from the date of issue" (Article 4, Paragraph 1, Item 2 of the Settlement Act), and the Order for Enforcement of the Settlement Act stipulates that this certain period (validity period) is six months (Article 4, Paragraph 2 of the Order for Enforcement of the Settlement Act).

[0057] The management unit 134 performs processing to set the card usage limit based on the factoring contract to zero based on the user's cancellation of the card usage contract, and to transfer the remaining amount of the card usage limit when the user cancels the card usage contract to the user's account. In other words, when the user cancels the card usage contract, the management unit 134 sets the card usage limit to zero on or after the date of cancellation, and transfers an amount equal to the remaining card usage limit to an account designated by the user.

[0058] (4) Example of operation flow FIG. 4 is a diagram showing an example of an operation flow of the server device 100 according to this embodiment.

[0059] In step S11, the receiving unit 131 receives a request for a factoring contract covering a claim corresponding to an invoice issued by a user to a business partner.

[0060] In step S12, the contract processing unit 132 performs processing to conclude a factoring contract with the user.

[0061] In step S13, the adjustment unit 133 adjusts the service fee based on the result of the credit rating for the bond.

[0062] In step S14, based on the establishment of a factoring contract for all or part of the amount of the receivables, the management unit 134 grants the user a card usage limit equivalent to the amount of compensation based on the amount for which the factoring contract was established.

[0063] (5) Example of change FIG. 5 is a diagram for explaining a modification of the above-described embodiment.

[0064] In a modified example, the management unit 134 manages the total amount of the first card available limit (also referred to as "limit A") based on the factoring contract, the second card available limit (also referred to as "limit B") set using the security deposit from the user as collateral, and the third card available limit (also referred to as "limit C") set based on a credit decision on the user as the card available limit of the credit card 10. The available limit storage unit 123 stores information (such as amounts) on each of the limits A to C. The available limit storage unit 123 may further store priority information, which will be described later. The C limit may be granted only when the user's credit rating meets certain conditions.

[0065] Specifically, as explained in the above embodiment, the A limit is a card usage limit that is granted as the consideration for the factoring contract. The B limit is a card usage limit that is granted with a security deposit as backing (a so-called deposit-type credit card usage limit). The C limit is a card usage limit that is granted based on independent credit, i.e., a judgment of the user's creditworthiness (i.e., a general credit card credit judgment).

[0066] In this way, by providing a variety of credit card limits to one credit card 10, it is possible to improve the convenience of the user of the credit card 10.

[0067] In the modified example, the management unit 134 selects a target card available limit from among limits A to C, from which the amount of payment using the credit card 10 is to be deducted (consumed). A variety of card available limits can be used appropriately.

[0068] For example, the management unit 134 selects the target card's available credit limit from among credit limits A to C in accordance with a priority order predetermined by the service provider. This allows the user to consume credit limits A to C in the order specified by the service provider when using the credit card 10 for payment.

[0069] The predetermined priority order may be a priority order in which limit A is consumed before limit B and limit C. That is, in the predetermined priority order, limit A may be selected as the target card's available limit in preference to limit B and limit C. Limit B may not be granted if a security deposit is not provided, and limit C may not be granted if the user has no credit. On the other hand, limit A is the card's available limit based on a factoring contract, and if the amount of consideration has already been granted as limit A, it is reasonable to consume limit A first.

[0070] Alternatively, the predetermined priority order may be a priority order in which slots are consumed in the order of slot B → slot A → slot C, or a priority order in which slots are consumed in the order of slot C → slot A → slot B. It may be possible to change the priority order when a credit rating based on the user's track record meets a certain condition.

[0071] The management unit 134 may change the predetermined priority based on a request from a user. For example, when the reception unit 131 receives a request to change the priority from a user (terminal device 200), the management unit 134 may change the priority to the priority specified by the user. This makes it possible to set an appropriate priority for each user, taking into consideration the circumstances of the user.

[0072] (6) Other embodiments In the above-described embodiment, at least a part of the processing executed by the server device 100 may be changed to be executed on the terminal device 200 side. In this case, at least a part of the units included in the processing unit 130 described above may be moved to the terminal device 200, or at least a part of the units included in the storage unit 120 described above may be moved to the terminal device 200.

[0073] The operational flows and operational examples in the above-described embodiments do not necessarily have to be executed in chronological order according to the order shown in the flow diagrams. For example, steps in the operations may be executed in an order different from that shown in the flow diagrams, or may be executed in parallel. Furthermore, some steps in the operations may be deleted, or additional steps may be added to the process.

[0074] A program may be provided that causes a computer (information processing device) to execute the operations according to the above-described embodiments. The program may be recorded on a computer-readable medium. Using the computer-readable medium, the program can be installed on a computer. Here, the computer-readable medium on which the program is recorded may be a non-transitory storage medium. The non-transitory storage medium is not particularly limited, and may be, for example, a storage medium such as a CD-ROM or a DVD-ROM.

[0075] As used in this disclosure, the terms "based on" and "depending on" do not mean "based only on" or "depending only on," unless expressly stated otherwise. The term "based on" means both "based only on" and "based at least in part on." Similarly, the term "depending on" means both "depending only on" and "depending at least in part on." Furthermore, the terms "include," "comprise," and variations thereof do not mean including only the listed items, but may include only the listed items, or may include additional items in addition to the listed items. Furthermore, the term "or" as used in this disclosure is not intended to mean an exclusive or. In this disclosure, when articles are added by translation, such as a, an, and the in English, these articles are intended to include the plural unless the context clearly indicates otherwise.

[0076] The above describes the embodiments in detail with reference to the drawings, but the specific configuration is not limited to that described above, and various design changes can be made within the scope that does not deviate from the gist of the invention.

[0077] (7) Supplementary Notes The following additional notes are about the features of the above-described embodiment.

[0078] Appendix 1 a communication unit for communicating with a user's terminal device; a receiving unit that receives a request for a factoring contract for a claim corresponding to a billing-related document that the user issues to a business partner; a management unit that manages the available credit limit of the credit card used by the user for payment, The management unit grants the amount of consideration to the user based on the amount of the factoring contract established, as the available credit line, based on the fact that the factoring contract has been established for all or part of the amount of the receivables. Information processing system.

[0079] Appendix 2 The management unit grants the amount obtained by deducting a service fee from the amount of the factoring contract as the available credit limit. 10. The information processing system of claim 1.

[0080] Appendix 3 an adjusting unit that adjusts the service fee based on the result of the credit rating for the bond; 10. The information processing system of claim 2.

[0081] Appendix 4 a storage unit that stores the amount of the factoring contract that the user is obligated to pay to the service provider; The management unit performs processing to receive payment for the amount of the factoring contract from the user who has received payment for the amount of the receivable from the business partner. An information processing system according to any one of appendices 1 to 3.

[0082] Appendix 5 The management department performs a process to exempt the payment of the amount equivalent to the default out of the amount for which the factoring contract was established, based on the fact that the user has provided proof that at least a part of the receivables has defaulted before the due date of the receivables. 5. The information processing system of claim 4.

[0083] Appendix 6 The management department reduces the available credit line under the factoring agreement to zero based on the condition that the due date of the receivable has arrived without the user proving that the receivable has defaulted and the payment from the user has not been made, The storage unit stores the difference between the amount at which the factoring contract was concluded and the remaining amount of the available credit line when the conditions are met as the amount that the user is obligated to pay to the service provider. 6. An information processing system according to claim 4 or 5.

[0084] Appendix 7 The management unit performs a process to set the available credit line under the factoring contract to zero based on the fact that a predetermined period has passed without all or part of the available credit line under the factoring contract being used, and to transfer the remaining amount of the available credit line when the predetermined period has passed to the account of the user. 7. An information processing system according to any one of appendixes 4 to 6.

[0085] Appendix 8 The management unit performs processing to set the available credit line based on the factoring contract to zero based on the user's cancellation of the card usage contract, and to transfer the remaining amount of the available credit line when the user cancels the card usage contract to the user's account. An information processing system according to any one of appendixes 4 to 7.

[0086] Appendix 9 The management unit managing the total amount of a first available credit limit based on the factoring contract, a second available credit limit set using a guarantee from the user as collateral, and a third available credit limit set based on a credit decision on the user as the available credit limit of the credit card; Select a target available credit limit from which the payment amount should be deducted from the first to third available credit limits. An information processing system according to any one of appendices 1 to 8.

[0087] Appendix 10 The management unit selects the target available usage quota from among the first to third available usage quotas in accordance with a priority order predetermined by a service provider. 10. The information processing system of claim 9.

[0088] Appendix 11 In the predetermined priority order, the first available use limit is selected as the target available use limit in preference to the second available use limit and the third available use limit. 11. The information processing system of claim 10.

[0089] Appendix 12 The management unit changes the predetermined priority order based on a request from the user. 12. The information processing system according to claim 10 or 11.

[0090] Appendix 13 An information processing method executed by an information processing system, communicating with a user's terminal device; receiving a request for a factoring contract covering receivables corresponding to billing-related documents issued by the user to a business partner; managing the available credit limit of the credit card used by the user for payment; In the managing step, when the factoring contract is concluded for all or part of the amount of the receivables, an amount of consideration based on the amount for which the factoring contract is concluded is granted to the user as the available credit limit. Information processing methods.

[0091] Appendix 14 Information processing systems, communicating with a user's terminal device; receiving a request for a factoring contract covering receivables corresponding to billing-related documents issued by the user to a business partner; managing the available credit limit of the credit card used by the user for payment; In the managing step, when the factoring contract is concluded for all or part of the amount of the receivables, an amount of consideration based on the amount for which the factoring contract is concluded is granted to the user as the available credit limit. program. [Explanation of symbols]

[0092] 1: Information processing system 5: Network 10: Credit card 100: Server device 110: Communications Department 120: Storage section 121: User information storage unit 122: Contract information storage unit 123: Available quota storage section 124: Payment obligation memory unit 130: Processing section 131: Reception 132: Contract Processing Department 133: Adjustment section 134: Management Department 200: Terminal device

Claims

1. a communication unit for communicating with a user's terminal device; a receiving unit that receives a request for a factoring contract for a claim corresponding to a billing-related document that the user issues to a business partner; a management unit that manages the available credit limit of the credit card used by the user for payment, The management unit grants the amount of consideration to the user based on the amount of the factoring contract established, as the available credit line, based on the fact that the factoring contract has been established for all or part of the amount of the receivables. Information processing system.

2. The management unit grants the amount obtained by deducting a service fee from the amount of the factoring contract as the available credit limit. The information processing system according to claim 1 .

3. an adjusting unit that adjusts the service fee based on the result of the credit rating for the bond; The information processing system according to claim 2 .

4. a storage unit that stores the amount of the factoring contract that the user is obligated to pay to the service provider; The management unit performs processing to receive payment for the amount of the factoring contract from the user who has received payment for the amount of the receivable from the business partner. The information processing system according to claim 1 .

5. The management department performs a process to exempt the payment of the amount equivalent to the default out of the amount for which the factoring contract was established, based on the fact that the user has provided proof that at least a part of the receivables has defaulted before the due date of the receivables. The information processing system according to claim 4 .

6. The management department reduces the available credit line under the factoring agreement to zero based on the condition that the due date of the receivable has arrived without the user proving that the receivable has defaulted and the payment from the user has not been made, The storage unit stores the difference between the amount at which the factoring contract was concluded and the remaining amount of the available credit line when the conditions are met as the amount that the user is obligated to pay to the service provider. The information processing system according to claim 4 .

7. The management unit performs a process to set the available credit line under the factoring contract to zero based on the fact that a predetermined period has passed without all or part of the available credit line under the factoring contract being used, and to transfer the remaining amount of the available credit line when the predetermined period has passed to the account of the user. The information processing system according to claim 4 .

8. The management unit performs processing to set the available credit line based on the factoring contract to zero based on the user's cancellation of the card usage contract, and to transfer the remaining amount of the available credit line when the user cancels the card usage contract to the user's account. The information processing system according to claim 4 .

9. The management unit the total of a first available credit limit based on the factoring contract, a second available credit limit set using a guarantee from the user as collateral, and a third available credit limit set based on a credit decision on the user, is managed as the available credit limit of the credit card; Select a target available credit line from which the payment amount should be deducted from the first to third available credit lines. The information processing system according to any one of claims 1 to 8.

10. The management unit selects the target available use limit from among the first to third available use limits in accordance with a priority order predetermined by a service provider. The information processing system according to claim 9 .

11. In the predetermined priority order, the first available quota is selected as the target available quota in preference to the second available quota and the third available quota. The information processing system according to claim 10.

12. The management unit changes the predetermined priority order based on a request from the user. The information processing system according to claim 10.

13. An information processing method executed by an information processing system, communicating with a user's terminal device; receiving a request for a factoring contract covering receivables corresponding to billing-related documents issued by the user to a business partner; managing the available credit limit of the credit card used by the user for payment; In the managing step, when the factoring contract is concluded for all or part of the amount of the receivables, an amount of consideration based on the amount for which the factoring contract is concluded is granted to the user as the available credit limit. Information processing methods.

14. Information processing systems, communicating with a user's terminal device; receiving a request for a factoring contract covering receivables corresponding to billing-related documents issued by the user to a business partner; managing the available credit limit of the credit card used by the user for payment; In the managing step, when the factoring contract is concluded for all or part of the amount of the receivables, an amount of consideration based on the amount for which the factoring contract is concluded is granted to the user as the available credit limit. program.

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