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 and an information processing method for facilitating the use of credit cards. Laws and programs. [Background technology]

[0002] Traditionally, credit cards have been widely used by users for payment. is a card that allows deferred payment for goods and services based on the credit of the cardholder. Credit card users must use the card within the limits set by the card company. The payment amount will be credited to the user's account (specifically In recent years, with the spread of the Internet, As a result, the number of transactions and services that require credit card payments has increased sharply. There are also an increasing number of cases where payments can only be made by credit card.

[0003] In general, credit cards require a credit check (for example, a check on the stability of income) The credit decision is made by the user, and the available credit limit is set by the user's credit rating. Therefore, if the user's income is low and / or unstable, or if the user is legally If you are a newly established person and you do not have sufficient available credit In some cases, the card itself may not be issued. In that case, It will no longer be possible to handle transactions or provide services that require payment via this method.

[0004] In Patent Document 1, a user transfers a security deposit (collateral) to the account of a credit card issuing institution. The credit card issuing institution will use the credit card with the available credit limit corresponding to the deposit. The credit card can be used for payments within the available credit limit according to the security deposit. This system allows for sufficient available credit limits to be determined. Even if a user does not have access to a credit card, they can still use the service or transactions that require payment by credit card. It is said that it will be possible to respond to this. [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, in the conventional technology that allows the use of credit cards with a deposit as collateral, Only users who have cash can provide collateral, and credit cards cannot be used for payments. There is a problem that it cannot be used.

[0007] For example, after a user issues an invoice to a business partner, payment from the business partner (deposit) ) timing is several months later, the user has accounts receivable (debt) The situation of not having cash on hand will occur for a long period of time, and collateral cannot be provided during that period. , credit cards cannot be used for payment.

[0008] Therefore, this disclosure aims to provide a service to users who are unable to obtain sufficient credit limits due to credit decisions and those who are short of cash. Even users who do not have a credit card can make payments smoothly and quickly. The object of the present invention is to provide an information processing system, an information processing method, and a program that enable do. [Means for solving the problem]

[0009] The information processing system according to the first aspect of the present disclosure is a communication system for communicating with a terminal device of a user. and a front for claims corresponding to billing documents issued by the user to the customer. A reception unit that receives a request for a factoring contract, and a credit card that the user uses for payment. and a management unit for managing the credit limit of the credit card. Upon the conclusion of the factoring agreement for all or part of the The amount of the consideration to the user based on the amount at which the billing contract was concluded is set as the available limit. is granted as.

[0010] Here, "invoice-related documents" primarily refers to invoices, but is not limited to invoices. For example, the "invoice-related document" may be an estimate issued prior to an invoice. In the embodiment described below, an example will be described in which the "invoice-related document" is an invoice. The "documents" do not necessarily have to be paper media, but 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. a step of communicating with a terminal device of a user; and a step of the user issuing a notification to a trading partner. Receive a request for a factoring agreement covering receivables corresponding to the billing documents issued and managing the available credit limit of the credit card used by the user for payment. In the step of managing, the method includes a step of managing the entire amount of the claim or a part of the amount of the claim. The factoring contract is concluded based on the fact that the factoring contract is concluded. The amount of compensation to the user based on the amount of the payment is granted as the available limit.

[0012] A program according to a third aspect of the present disclosure includes a program for connecting an information processing system with a terminal device of a user. and issuing a bond corresponding to the billing documents to the customer by the user. receiving a request for a factoring agreement covering the rights; and a step of managing the available credit limit of the credit card used for the payment. In the managing step, the factoring agreement for all or part of the amount of the receivables is Based on the establishment of the factoring agreement, the interest rate will be calculated based on the amount of the factoring agreement. The amount of the fee paid to the user is granted as the available limit. [Effects of the Invention]

[0013] According to one aspect of the present disclosure, a user or a current user who is unable to obtain a sufficient credit limit due to a credit decision can Even users who do not own any cash can make payments using credit cards smoothly and quickly. It is possible to provide an information processing system, an information processing method, and a program that can execute the above. [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 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. Network 5 includes the Internet. Network 5 includes LAN (Local Area Network). a Network) and / or WAN (Wide Area Network) The server device 100 can communicate with the terminal device 200 via the network 5. do.

[0018] The server device 100 is an information processing device that executes information processing according to this embodiment. The server device 100 may also be used as a general-purpose computer such as a workstation or PC. It is logically possible to do this through cloud computing (distributed computing). That is, the server device 100 may be configured as a single computer. , may be composed of multiple computers.

[0019] In this embodiment, the server device 100 is configured to handle factoring (specifically, two-party factoring). It belongs to a service provider that offers credit card services in combination with the Internet. The service provider according to this embodiment is a factoring company that provides online factoring services. It functions as a factoring company and also acts as an issuer of credit cards10. These functions may be performed by the same entity (business operator). Alternatively, they may be implemented by different entities (e.g., a parent company and a subsidiary).

[0020] Here, "factoring" refers to the right to receive accounts receivable (simply "receivables"). It is a service (business) in which a company purchases goods (also called "goods") and collects payment at its own risk. By using factoring, users can sell accounts receivable before payment and receive the original payment forecast. It is possible to obtain funds earlier than the fixed date. Factoring is a two-party process between the provider and the user. It is not necessary to obtain the consent of the factoring company (the factoring company) according to this embodiment. A lending contract is a contract that transfers the economic benefits and risks associated with a claim without transferring the rights and obligations associated with the claim. It may also be a contract that transfers the data from the user to the service provider (participant). Factoring is also known as "loan participation" or "participation." It is sometimes referred to as.

[0021] In the following embodiment, an example of factoring being bilateral factoring will be described. However, it is not limited to two-party factoring. For example, factoring can be It can also be a three-party factoring. "Tri-party factoring" is a method of This is a contract in which the client and the factoring company directly handle the procedures. The information processing system 1 according to this embodiment is applicable to factoring in general.

[0022] In addition, "issuer" refers to a company licensed by an international brand that provides international payment functions. and issue credit cards with international brands to users, and In this embodiment, the server that functions as the issuer The service provider may also have the function of an acquirer that manages card member stores, or It is not necessary for the system to have the function of an inquirer.

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

[0024] The terminal device 200 communicates with the server device 100 to receive the services provided by the service provider. The terminal device 200 can use the service (online service). A dedicated application (software) for the terminal may be installed. The terminal device 200 (each user) can use the service using a general-purpose browser. In addition, the user of the terminal device 200 may have an account for the service and The terminal device 200 may have the following information (user information) registered in the server device 100: It belongs to the user who uses the credit card 10 issued by the service provider and is not operated by the user. It accepts input and presents information to the user.

[0025] In this embodiment, the server device 100 is a factoring device between a user and a service provider. The purchase price based on the contract will be credited to the credit card10. Therefore, the user can pay the amount of the purchase price using a credit card 10. It is possible to do so.

[0026] Therefore, users do not need to wait for the timing of payment (deposit) from the business partner. In other words, even if the user does not have cash on hand, payment can be made using a credit card10 Therefore, it is possible to reduce the number of users who cannot obtain sufficient credit limits due to credit decisions and those who do not have sufficient cash. Even if you do not own a credit card, you can still use it by entering into a factoring contract. This will enable smooth and quick payment using the 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 communications between the device 100 and the terminal device 200 are carried out via the network 5. Such communications include communications regarding 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) accesses the service provider (server 200) via the network 5. By communicating with the device 100, it is possible to apply for card issuance online. At that time, the user (terminal device 200) provides the service with documents such as personal identification documents as electronic data. The user can provide (upload) the card to the card provider (server device 100). Enter into a contract with the service provider.

[0029] In this embodiment, the credit limit of the credit card 10 (hereinafter referred to as the "card credit limit") The amount of the factoring contract is awarded as a credit card The credit judgment (credit rating) made on the user for issuing the Do10 is the minimum necessary. Specifically, it is better to give a credit rating to the creditor rather than to the user. At the time of issuing a credit card, factoring may be more important. The credit limit on the card under the credit agreement may be zero.

[0030] In step S1, the user delivers goods to the business partner and issues an invoice. Invoices may be sent to business partners as electronic data or mailed to business partners as paper documents. may be sent.

[0031] In step S2, the user accesses the server device 100 (service Log in to the factoring site and submit supporting documents and the most recent receipts for the receivables you want to include in the factoring contract. Submit documents such as withdrawal details to the service provider and apply for a factoring contract (request At that time, the user (terminal device 200) transfers these documents to the server as electronic data. The server device 100 can provide (upload) the service provider. The request includes the document. Here, the user factors only a portion of the receivables. For example, a user can choose to have a 1 million yen claim Only the 800,000 yen portion of our debt may be subject to the factoring contract.

[0032] The service provider (server device 100) examines the existence of the claim and the credibility of the claim. We will then determine whether or not to enter into a factoring contract and, if so, the amount of the service fee. The service provider (server equipment) presents the contract for the factoring contract to the user. 100) states that at least part of such screening (credit rating) should be automated, for example, using AI. The conditions and contracts presented by the service provider (server device 100) may be executed automatically. If the user agrees to the content via the terminal device 200, the user and the service provider The server device 100 then executes the factoring contract. Remember the contents of the contract.

[0033] In step S3, the server device 100 determines the face value of the bond (only a portion of the bond is subject to the contract). If a card is used, a portion of the face value will be deducted from the total amount (or a portion of the face value if applicable) and the service fee will be deducted from the total amount. The terminal device 200 communicates with the server device 100, and the user can The available usage limit can be displayed on the terminal device 200, and the available usage limit can be confirmed. A user transfers 900,000 yen of a 1 million yen claim to a service provider for 800,000 yen. In this case, the user will be granted a credit limit of 800,000 yen. In the case of the credit card, the consideration for the bond is paid to the user in cash. In this embodiment, the consideration for the bond is not paid in cash. It will be granted as a card usage limit without any credit limit.

[0034] In step S4, the user makes a payment using the credit card 10 at the affiliated store. At the end of the month in which the settlement is made, the card receivables equivalent to the settlement amount (if the user has used the service) will be The factoring agreement is a contract between the service provider and the customer. The payment debt owed to the other party will be offset against the payment debt owed to the other party.

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

[0036] In step S6, the user uses the terminal device 200 to check the receivables collected from the business partner. The collected amount (of which the factoring contract applies) will be paid to the service provider. 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). The remaining 900,000 yen will be transferred to the service provider for 800,000 yen, and the card's available limit will be increased by 800,000 yen. In the example above, the user is obligated to pay 900,000 yen to the service provider. There are.

[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 receiving unit 110, the storage unit 120, and the processing unit 130 are interconnected by a bus or the like (not shown). is connected.

[0039] The communication unit 110 communicates with other devices (e.g., The communication unit 110 may communicate with the terminal device 200 via a wired connection. The storage unit 120 may include, for example, a ROM (Read Only Memory). Memory), RAM (Random Access Memory), and auxiliary storage The program executed by the processing unit 130 is For example, the processing unit 13 stores the information in the ROM and / or the auxiliary storage device of the storage unit 120. 0 consists of one or more processors.

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

[0041] The processing unit 130 executes the program (software) stored in the storage unit 120. By this, the reception unit 131 that receives the request and the contract processing unit 132 that processes the contract with the user are connected. A processing unit 132, an adjustment unit 133 that adjusts the service fee, and a credit card used by the user for payment. A management unit 134 that manages the available credit limit of the deposit card 10 (available credit limit of the card), and These units communicate with the terminal device 200 via the communication unit 110. Furthermore, information processing using the information stored in the storage unit 120 is performed.

[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 receivable corresponding to an invoice issued by a user to a business partner. The system accepts a request for a factoring contract based on the target (step S2 in Figure 2). The management department 134 notifies the factoring contract for all or part of the amount of the receivables. Based on this, the amount of consideration to the user based on the amount at which the factoring contract was concluded is granted as the card's available limit (step S3 in FIG. 2).

[0044] This allows users to fax payments to service providers even when they do not have cash on hand. By entering into a factoring agreement, the amount for which the factoring agreement was concluded (for example, 90 The amount of the consideration based on the standard of 100,000 yen (for example, 800,000 yen) is granted as the card's available limit. Therefore, payment using the credit card 10 can be made smoothly and quickly.

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

[0046] The management department 134 calculates the amount of the factoring contract by deducting the service fee. The amount is granted as the card's available limit (step S3 in Figure 2). Between the amount for which the contract was concluded (for example, 900,000 yen) and the amount of consideration (for example, 800,000 yen) The difference (for example, 100,000 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 bond. (Steps S2 and S3 in Figure 2). The credit rating for the receivables is This is done based on documents such as supporting documents for the receivables you wish to contract with and the most recent details of your deposits and withdrawals. The higher the creditworthiness of the claim (i.e., the lower the risk to the service provider regarding the claim), the The service fees are adjusted to be low, and the creditworthiness of the receivables is low (i.e. The higher the risk to the service provider in relation to the receivables, the higher the service fee. It will be adjusted.

[0048] The payment obligation storage unit 124 stores the amount of payment that the user is obligated to make to the service provider. The management unit 134 stores the amount for which the factoring contract was concluded (step S2 in FIG. 2). The factoring contract was concluded with the user who received payment of the receivables from the business partner. The process for receiving the payment is carried out (step S6 in FIG. 2). The process may include a process of presenting the amount of the established ring contract to the user (terminal device 200). This process is carried out to transfer funds from the user's account to the service provider's account and to confirm the amount. The process may include processing for determining whether the remitted amount is sufficient to complete the factoring agreement. The processing may include a process for checking whether the amount matches the amount set.

[0049] The management unit 134 manages the receivables when the due date of the receivables (i.e., the date on which the receivables are received from the business partner) arrives. At least some of the receivables have defaulted (i.e., the obligor counterparty has defaulted on the receivables) before the The Customer has demonstrated that the Customer has not fulfilled its contractual obligations. The process will be to exempt the payment of the amount equivalent to the default from the amount for which the accounting contract was concluded. For example, the management unit 134 may set the default amount as a payment amount when the user makes a payment to the service provider. It may be deducted from the amount owed.

[0050] Specifically, evidence that all or part of the debt has defaulted before the debt becomes due. When the card is confirmed, the management unit 134 does not change the card usage limit. However, the default amount will be deducted from the credit card balance. Since the user does not collect the money, the payment of the collected money from the user to the service provider is The user is obligated to pay the service provider the amount of the recovery.

[0051] For example, if a user transfers 900,000 yen of a 1 million yen claim to a service provider, If 300,000 yen out of the 100,000 yen loan is recovered and it is proven that the remaining amount is a default, 0 million x 90 / 100 x 30 / 100 = 270,000 yen to the service provider. This means that the service provider bears the risk of default on the receivables.

[0052] The management unit 134 may notify the user that the bond has been defaulted without the user providing proof that the bond has been defaulted. The condition that the right of use has expired and the user has not made any payment has been met. Based on this, the credit limit of the card under the factoring contract is set to zero. 124 is the amount at which the factoring agreement was concluded and the remaining amount when the conditions were met. The difference between the amount of the card's available limit and the amount of money the user is obligated to pay to the provider. Store it as an amount.

[0053] Specifically, the due date of the claim has arrived without proof that the claim has defaulted. If the user fails to make payment to the service provider, the service will be terminated in accordance with the terms of service. As a result, the management unit 134 cancels the card's available credit limit. 0 yen, and thereafter, the credit card 10 based on the card's available limit will not be available. If the card's available limit has already been used (consumed) by the user for payment, In such cases, the User shall be required to pay the service equivalent to the amount of such use as a restoration of the original state following the termination of the contract. The company is obligated to pay the service provider.

[0054] For example, if you pay 900,000 yen out of a 1 million yen claim to a service provider, you can pay 800,000 yen (i.e., The service fee is 100,000 yen) and the transferee (in this case, the card's available limit is 800,000 yen) The card's available limit of 600,000 yen has been used, but the user has not used the service. If you do not make payments to the provider and there is no proof that the debt is in default, The available limit will be 0 yen, and the service provider will refund the remaining available limit of 2 The user is obligated to pay 900,000 yen to the service provider. However, this is offset by the debt of 200,000 yen, leaving a net payment of 700,000 yen to the service provider. be obligated to pay.

[0055] The management unit 134 is configured to manage whether or not all or part of the card limit based on the factoring contract has been used. The factoring agreement is terminated based on the passage of a specified period (e.g., six months) without the invoice being paid. The card's available limit based on the contract will be reduced to zero, and the remaining balance after the specified period has elapsed will be This is a process to transfer the amount of the card's available credit limit to the user's account. The cardholder can convert their available credit limit into cash and avoid it being classified as a prepaid payment instrument.

[0056] Specifically, the provision of payment instruments is regulated by the "Act on Settlement of Funds (Settlement of Funds Act)" and "Settlement of Funds It is subject to regulations such as the "Act Enforcement Order on Settlement of Funds (Act Enforcement Order on Settlement of Funds)" and other laws and regulations. According to the law, (1) the monetary value is recorded, and (2) the amount and quantity are considered as compensation. (3) Issue of certificates, numbers, symbols, or other codes; (4) Issue of certificates, numbers, symbols, or other codes; Payment instruments that meet the four requirements of being used for payment, etc. are called "prepaid payment instruments." In order to protect users, etc., many obligations are imposed on issuers (Article 3 of the Payment Services Act). However, this alone will not be enough to promote the provision of services. However, exemptions from the obligation are provided only if certain requirements are met (see the (Article 4 of the Financial Settlement Act). One of them is "usable only within a certain period specified by government ordinance from the date of issue." The Enforcement Order of the Fund Settlement Act states that The fixed period (validity period) of the Fund Settlement Act Enforcement Order Article 4 is set at six months. Article 2).

[0057] The management unit 134 manages the factoring based on the user's cancellation of the card usage contract. The card usage limit based on the contract is set to zero and the user cancels the card usage contract. The system then processes the remaining amount of the card's available credit limit to be transferred to the user's account. That is, when the user cancels the card usage contract, the management unit 134 The card's available limit will be set to 0 yen, and the remaining available limit will be deducted from the card. Transfer the funds to the account specified 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 reception unit 131 receives an invoice from the user to be issued to the business partner. Accept requests for factoring agreements covering the corresponding receivables.

[0060] In step S12, the contract processing unit 132 concludes a factoring contract with the user. Processing is performed to

[0061] In step S13, the adjustment unit 133 determines whether the credit rating for the bond is Adjust service fees.

[0062] In step S14, the management unit 134 executes a facsimile of all or part of the amount of the claim. The amount of the factoring contract is based on the amount of the factoring contract. The amount of the payment made to the user will be granted as a credit limit on the card.

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

[0064] In the modified example, the management unit 134 manages the first card's available credit limit (" A limit) and a second card that is set up as collateral with a security deposit from the user. The third card limit is set based on the credit decision of the user. The total amount of the available credit limit (also called "C limit") and the available credit limit of 10 cards can be used. The available quota storage unit 123 stores information about each of the quotas A to C (amount, etc.) The available frame storage unit 123 may further store information on priority levels, which will be described later. The C limit is only granted if the user's credit rating meets certain conditions. It may also be possible to use the following.

[0065] Specifically, as explained in the above embodiment, the A limit is the consideration for the factoring contract. The B limit is the credit limit that is given to the cardholder. The credit limit is secured by a deposit (a so-called deposit-type credit limit). Credit card limit). C limit is based on the independent credit assessment, that is, the In other words, the credit limit given by the credit decision of a general credit card. do.

[0066] In this way, various credit card limits are assigned to one credit card10. This makes it possible to improve the convenience of users of the credit card 10. .

[0067] In the modified example, the management unit 134 selects a credit card 10 from among the A-limit to C-limit. Select the card's available credit limit from which the payment amount will be deducted (consumed). It is possible to use the available card limits appropriately.

[0068] For example, the management unit 134 may assign A Select the target card's available limit from the limit C to limit C. When Card 10 is used for payment, A to C are consumed in the order specified by the service provider. It is possible to do this.

[0069] The predetermined priority is that A slots are consumed before B and C slots. In other words, in the predetermined priority order, slot A is prioritized over slots B and C. The B limit may be selected as the target card's available limit with priority. If the user does not have credit, the C limit may not be granted. On the other hand, the A limit is the card usage limit based on the factoring agreement, and the consideration has already been paid. If the amount is allocated as A quota, it is rational to use A quota first. be.

[0070] Alternatively, the predetermined priority is to consume in the order of B slot → A slot → C slot. It can be a ranking, or it can be a priority order, such as C slot → A slot → B slot. Good. If the credit rating based on the user's performance meets certain conditions, the priority will be changed. It may be possible.

[0071] The management unit 134 changes the predetermined priority based on a request from a user. For example, the receiving unit 131 may send a request to change the priority to a user (terminal device 2). 00), the management unit 134 changes the priority order specified by the user. This allows appropriate priorities to be set for each user, taking into account the circumstances of that user. It is possible to determine.

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

[0073] The operation flows and operation examples in the above-described embodiments do not necessarily follow the order described in the flow charts. For example, steps in an operation may not be executed in a chronological order as shown in a flow diagram. The operations may be performed in a different order than described, or may be performed in parallel. Some of the steps in the process may be removed and additional steps may be added to the process. .

[0074] A program for causing a computer (information processing device) to execute the operations according to the above-described embodiment is The program may be recorded on a computer-readable medium. The computer-readable medium allows the user to install the program on a computer. Here, the computer-readable medium on which the program is recorded is The non-transitory storage medium may be a non-transitory storage medium. The non-transitory storage medium is not particularly limited. However, it may be 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" are used unless otherwise specified. does not mean "based only on" or "in accordance with" unless the term "based on" is used in a "Based solely on" and "based at least in part on" are both used interchangeably. Similarly, the phrase "in response to" should be interpreted as "only in response to" and "at least partially in response to." " " Also, "include" and "comprise" ) and variations thereof do not mean to include only the listed items, but This means that the item may contain only the items listed, or may contain additional items in addition to the items listed. Additionally, the term "or" as used in this disclosure does not mean exclusive or. In this disclosure, for example, words such as a, an, and the in English are used interchangeably. If articles are added by translation, these articles should be used in a way that is not obvious from the context. Unless otherwise indicated, the plural is included.

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

[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; The facsimile service is for claims corresponding to billing documents issued by the user to the business partner. a reception unit that receives requests for a trading contract; a management unit that manages the available credit limit of the credit card used by the user for payment; , The management department determines whether the factoring contract for all or part of the amount of the receivables has been concluded. Based on this, the factoring contract will be concluded with the amount of the invoice to be paid to the user. The amount of the consideration will be granted as the available limit. Information processing system.

[0079] Appendix 2 The management department deducted the service fee from the amount for which the factoring contract was concluded. The amount is granted as the available 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; Further preparation 10. The information processing system of claim 2.

[0081] Appendix 4 The factoring company shall pay the amount that the user is obligated to pay to the service provider. Further, a storage unit for storing the amount of the contract concluded is provided, The management unit receives the payment of the amount of the claim from the user who has received the payment of the amount of the claim from the business partner. Carry out the process to receive payment for the amount for which the factoring contract has been concluded An information processing system according to any one of appendices 1 to 3.

[0082] Appendix 5 The management unit determines whether at least a portion of the receivables is in default before the due date of the receivables. The factoring contract is concluded based on the fact that the customer has provided proof that the factoring contract has been concluded. The amount equivalent to the default will be exempted from payment. 5. The information processing system of claim 4.

[0083] Appendix 6 The management department will notify the user that the claim has defaulted until the user has provided proof that the claim has defaulted. The condition that the due date of the claim has arrived and the payment has not been made by the user. Based on the fulfillment of the above conditions, the available credit limit under the factoring agreement will be reduced to zero. death, The storage unit stores the amount for which the factoring contract was concluded and the amount when the conditions were met. The user shall pay the difference between the remaining amount of the available credit limit and the remaining amount to the service provider. Remember it as the amount you are obligated to pay 6. An information processing system according to claim 4 or 5.

[0084] Appendix 7 The management department notifies the factoring company that all or part of the available credit line under the factoring agreement has been used. The factoring agreement is terminated based on the fact that a specified period has elapsed without the factoring agreement being terminated. The available limit is set to zero, and the available limit remaining when the predetermined period has elapsed is Processing is performed to transfer the amount of the limit to the user's account. 7. An information processing system according to any one of appendixes 4 to 6.

[0085] Appendix 8 The management unit, based on the fact that the user has terminated the card usage contract, The credit limit based on the ring contract is set to zero, and the user renews the card usage contract. To transfer the remaining amount of the available credit limit to the user's account when the service is terminated. Perform the processing of An information processing system according to any one of appendixes 4 to 7.

[0086] Appendix 9 The management unit The first available credit line based on the factoring agreement and the security deposit from the user are used as collateral. The second available limit is set as the credit limit for the user, and the third available limit is set as the credit limit for the user. The total amount of the available credit limit and the available credit limit is managed as the available credit limit of the credit card. The first to third available credit limits are the targets from which the amount of the payment should be deducted. Select the available quota An information processing system according to any one of appendices 1 to 8.

[0087] Appendix 10 The management unit may select the first to second service providers according to a priority order predetermined by the service provider. Select the applicable available quota from the third available quota. 10. The information processing system of claim 9.

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

[0089] Appendix 12 The management unit, based on a request from the user, Change 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; The facsimile service is for claims corresponding to billing documents issued by the user to the business partner. accepting a request for a tracking agreement; and a step of managing the available credit limit of the credit card used by the user for payment. picture, In the managing step, the factoring of all or part of the amount of the receivables is carried out. Based on the establishment of the factoring contract, the amount of the factoring contract is the basis. The amount of the compensation to the user is granted as the available limit. Information processing methods.

[0091] Appendix 14 Information processing systems, communicating with a user's terminal device; The facsimile service is for claims corresponding to billing documents issued by the user to the business partner. accepting a request for a tracking agreement; a step of managing the available credit limit of the credit card used by the user for payment; Let them go, In the managing step, the factoring of all or part of the amount of the receivables is carried out. Based on the establishment of the factoring contract, the amount of the factoring contract is the basis. The amount of the compensation to the user is granted as the available 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; The facsimile service is for claims corresponding to billing documents issued by the user to the business partner. a reception unit that receives requests for a trading contract; a management unit that manages the available credit limit of the credit card used by the user for payment; 、 The management department determines whether the factoring contract for all or part of the amount of the receivables has been concluded. Based on this, the factoring contract will be concluded with the amount of the invoice to be paid to the user. The amount of the consideration will be granted as the available limit. Information processing system.

2. The management department deducted the service fee from the amount for which the factoring contract was concluded. The amount is granted as the available 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; Further preparation The information processing system according to claim 2 .

4. The factoring company shall pay the amount that the user is obligated to pay to the service provider. Further, a storage unit for storing the amount of the contract concluded is provided, The management unit receives the payment of the amount of the claim from the user who has received the payment of the amount of the claim from the business partner. Carry out the process to receive payment for the amount for which the factoring contract has been concluded The information processing system according to claim 1 .

5. The management unit determines whether at least a portion of the receivables is in default before the due date of the receivables. The factoring contract is concluded based on the fact that the customer has provided proof that the factoring contract has been concluded. The amount equivalent to the default will be exempted from payment. The information processing system according to claim 4 .

6. The management department will notify the user that the claim has defaulted until the user has provided proof that the claim has defaulted. The condition that the due date of the claim has arrived and the payment has not been made by the user. Based on the fulfillment of the above conditions, the available credit limit under the factoring agreement will be reduced to zero. death, The storage unit stores the amount for which the factoring contract was concluded and the amount when the conditions were met. The user shall pay the difference between the remaining amount of the available credit limit and the remaining amount to the service provider. Remember it as the amount you are obligated to pay The information processing system according to claim 4 .

7. The management department notifies the factoring company that all or part of the available credit line under the factoring agreement has been used. The factoring agreement is terminated based on the fact that a specified period has elapsed without the factoring agreement being terminated. The available limit is set to zero, and the available limit remaining when the predetermined period has elapsed is Processing is performed to transfer the amount of the limit to the user's account. The information processing system according to claim 4 .

8. The management unit, based on the fact that the user has terminated the card usage contract, The credit limit based on the ring contract is set to zero, and the user renews the card usage contract. To transfer the remaining amount of the available credit limit to the user's account when the service is terminated. Perform the processing of The information processing system according to claim 4 .

9. The management unit The first available credit line based on the factoring agreement and the security deposit from the user are used as collateral. and a third limit set by a credit decision on the user. The total amount of the available credit limit and the available credit limit is managed as the available credit limit of the credit card. The first to third available credit limits are used to determine the amount of the payment to be deducted from. Select the available quota The information processing system according to any one of claims 1 to 8.

10. The management unit may select the first to second service providers according to a priority order predetermined by the service provider. Select the target available quota from the third available quota. The information processing system according to claim 9 .

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

12. The management unit, based on a request from the user, Change 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; The facsimile service is for claims corresponding to billing documents issued by the user to the business partner. accepting a request for a tracking agreement; and a step of managing the available credit limit of the credit card used by the user for payment. picture, In the managing step, the factoring of all or part of the amount of the receivables is carried out. Based on the establishment of the factoring contract, the amount of the factoring contract is the basis. The amount of the compensation to the user is granted as the available limit. Information processing methods.

14. Information processing systems, communicating with a user's terminal device; The facsimile service is for claims corresponding to billing documents issued by the user to the business partner. accepting a request for a tracking agreement; and a step of managing the available credit limit of the credit card used by the user for payment. Let them go, In the managing step, the factoring of all or part of the amount of the receivables is carried out. Based on the establishment of the factoring contract, the amount of the factoring contract is the basis. The amount of the compensation to the user is granted as the available limit. program.

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