Information processing device, information processing system, information processing method, and information processing program

Abstract

The present invention provides an information processing device, an information processing system, an information processing method, and an information processing program that are capable of appropriately handling the payment of various fees related to specific transactions. [Solution] The information processing device comprises: an information acquisition unit that acquires first information from an administrator terminal; a first billing unit that transmits second information regarding a second charge obtained by adding a predetermined amount to a first charge based on the first information to a payment terminal; a result acquisition unit that acquires the result of the payment processing from the payment terminal when payment processing is performed at the payment terminal based on the second information and the third information; and a charge acquisition unit that acquires a second charge corresponding to the second information from the payment terminal based on the result of the payment processing at the payment terminal.

Description

Technical Field

[0001] The present invention relates to an information processing apparatus, an information processing system, an information processing method, and an information processing program.

Background Art

[0002] Conventionally, bank transfers and the like have been used for paying various fees, including rent for real estate. Recently, due to technological advancements and various reasons, the payment methods for such fees have diversified. The technology described in Patent Document 1 is a system for batch settlement of fees related to real estate rental, and includes a user terminal, a terminal of a settlement company, and a server. The server described in Patent Document 1 collects and batch-settles a plurality of settlement data received from the terminal of the settlement company according to at least one of each real estate management company, each settlement company, each tenant, and each landlord.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In contracts that generate a payment obligation for a certain fee, such as a real estate lease contract, a guarantor is often required in addition to the contractor. However, depending on various circumstances of the contractor, there are cases where, instead of having a family member or the like of the contractor as a guarantor, a guarantee company is requested to provide a guarantee. Even in such cases, there has been a long-awaited emergence of a system for appropriately paying various fees. In this regard, although the case of requesting a guarantee from a guarantee company instead of personal guarantee with a family member or the like of the contractor as a guarantor is becoming more established, when a guarantee company provides a guarantee, it is usually necessary to pay the guarantee fee in a lump sum, which poses a problem of a large burden on the lessee who entrusts the guarantee.

[0005] Furthermore, when requesting a guarantee from a guarantee company, the guarantee company needs to manage various payments to, for example, the property management company (or the property's lessor). In other words, for example, the property management company (or lessor) may wish to reduce the burden of property management by requesting a guarantee from a guarantee company. In such cases, the emergence of a system to properly manage properties has been eagerly awaited.

[0006] The present invention aims to provide an information processing device, an information processing system, an information processing method, and an information processing program that can appropriately handle the payment of various fees related to specific transactions. [Means for solving the problem]

[0007] One embodiment of the information processing device is a device interposed between an administrator terminal used for managing a predetermined object and a payment terminal used for settling a predetermined object, comprising: an information acquisition unit that acquires first information about a first charge relating to a predetermined object from the administrator terminal; a first billing unit that transmits second information about a second charge, which is obtained by adding a predetermined amount to the first charge based on the first information acquired by the information acquisition unit, to the payment terminal; a result acquisition unit that acquires the result of the settlement process from the payment terminal when a settlement process is performed at the payment terminal based on the second information transmitted to the payment terminal by the first billing unit and third information relating to the usage limit of charges held by the payment terminal; and a charge acquisition unit that acquires a second charge corresponding to the second information from the payment terminal based on the result of the settlement process at the payment terminal.

[0008] One embodiment of the information processing device may include: a result acquisition unit that acquires the result of a settlement process from a settlement terminal when a settlement process is performed at the settlement terminal based on second information transmitted to the settlement terminal by a first billing unit and third information relating to the usage limit of charges held by the settlement terminal; a first provision unit that provides the administrator terminal with a first charge obtained by subtracting a predetermined amount from the second charge obtained by the charge acquisition unit; and a second provision unit that transmits the result of the settlement process obtained by the result acquisition unit to the administrator terminal.

[0009] An information processing device in one embodiment may include: a fourth acquisition unit that acquires fourth information regarding a payment method from a user terminal of a user using a predetermined target; a third provision unit that, based on the result of the payment processing acquired by the result acquisition unit, transmits fifth information regarding confirmation of a change in the payment method based on the fourth information acquired by the fourth acquisition unit to the user terminal if the second fee cannot be acquired by the fee acquisition unit; and a fourth provision unit that, in response to the third provision unit transmitting fifth information to the user terminal, acquires sixth information regarding a change in the payment method, and transmits seventh information regarding the payment change to the payment terminal in accordance with the sixth information.

[0010] One embodiment of the information processing device may include a fifth provisioning unit that, based on the results of the settlement process obtained by the result acquisition unit, provides the first fee to the administrator terminal if the fee acquisition unit cannot obtain the second fee.

[0011] In one embodiment of the information processing device, the first billing unit may transmit to the settlement terminal second information relating to a second fee, which is obtained by adding a predetermined amount for the guarantee of the rent of the rental property to the rent of the rental property, as a first fee, when the predetermined subject is a rental property of real estate.

[0012] In one embodiment of the information processing device, the result acquisition unit may acquire information indicating whether a credit limit has been secured for the payment amount for the credit card as a result of the settlement process based on the third information.

[0013] One embodiment of the information processing device is an information processing device used when guaranteeing payment obligations for various fees relating to a specific transaction, and comprises: a receiving unit that receives amount information relating to the amounts of various fees; a billing unit that transmits aggregate amount information relating to the aggregate amount obtained by adding a predetermined amount to the amount information; an acquisition unit that acquires the aggregate amount corresponding to the aggregate amount information; and a remittance processing unit that remits the amount of various fees obtained by subtracting a predetermined amount from the aggregate amount acquired by the acquisition unit.

[0014] One embodiment of an information processing system is a system comprising an information processing device used when guaranteeing payment obligations for various fees related to a specific transaction, a settlement terminal for settling payments for various fees, and an administrator terminal for managing the subject of a specific transaction, wherein the information processing device comprises a receiving unit that receives amount information regarding the amounts of various fees from the administrator terminal, a billing unit that transmits aggregate amount information regarding the aggregate amount obtained by adding a predetermined amount to the amount information to the settlement terminal, an acquisition unit that obtains the aggregate amount corresponding to the aggregate amount information from the settlement terminal, and a remittance processing unit that sends the amount of various fees obtained by subtracting a predetermined amount from the aggregate amount obtained by the acquisition unit to the administrator terminal.

[0015] One embodiment of an information processing system is a system comprising an administrator terminal used for managing a predetermined object, a settlement terminal used for settling a predetermined object, and an information processing device interposed between the administrator terminal and the settlement terminal, wherein the information processing device comprises: an information acquisition unit that acquires first information about a first charge relating to a predetermined object from the administrator terminal; a first billing unit that transmits second information about a second charge obtained by adding a predetermined amount to the first charge based on the first information acquired by the information acquisition unit to the settlement terminal; a result acquisition unit that acquires the result of the settlement processing from the settlement terminal when settlement processing is performed at the settlement terminal based on the second information transmitted to the settlement terminal by the first billing unit and third information relating to the usage limit of charges held by the settlement terminal; and a charge acquisition unit that acquires a second charge corresponding to the second information from the settlement terminal based on the result of the settlement processing at the settlement terminal.

[0016] One embodiment of the information processing method is a method performed by an information processing device used when guaranteeing payment obligations for various fees relating to a specific transaction, wherein the information processing device performs a receiving step in which it receives amount information relating to the amounts of various fees in a receiving unit; a request step in which it transmits aggregate amount information relating to the aggregate amount obtained by adding a predetermined amount to the amount information; an acquisition step in which it obtains the aggregate amount corresponding to the aggregate amount information; and a remittance processing step in which it remits the amount of various fees obtained by subtracting a predetermined amount from the aggregate amount obtained in the acquisition step.

[0017] In one embodiment of the information processing method, an information processing device interposed between an administrator terminal used for managing a predetermined object and a payment terminal used for settling a predetermined object performs the following steps: a first acquisition step of acquiring first information about a first charge relating to a predetermined object from the administrator terminal; a first billing step of transmitting second information about a second charge, which is obtained by adding a predetermined amount to the first charge based on the first information acquired in the first acquisition step, to the payment terminal; a second acquisition step of acquiring the result of the settlement process from the payment terminal when a settlement process is performed at the payment terminal based on the second information transmitted to the payment terminal in the first billing step and third information relating to the usage limit of charges held by the payment terminal; and a third acquisition step of acquiring the second charge corresponding to the second information from the payment terminal based on the result of the settlement process at the payment terminal.

[0018] One embodiment of an information processing program is a program implemented in an information processing device used to guarantee payment obligations for various fees related to a specific transaction, and the information processing device implements a receiving function for receiving amount information relating to the amounts of various fees, a billing function for transmitting aggregate amount information relating to the aggregate amount obtained by adding a predetermined amount to the amount information, an acquisition function for obtaining the aggregate amount according to the aggregate amount information, and a remittance processing function for remitting the amount of various fees obtained by subtracting a predetermined amount from the aggregate amount obtained by the acquisition function.

[0019] An information processing program according to one aspect causes an information processing apparatus intervening between an administrator terminal used for managing a predetermined target and a settlement terminal used for settling a predetermined target to acquire first information about a first charge related to the predetermined target from the administrator terminal, have a first billing function of transmitting second information about a second charge obtained by adding a predetermined amount to the first charge based on the first information acquired by the first acquisition function to the settlement terminal, and when settlement processing is performed at the settlement terminal based on the second information transmitted to the settlement terminal by the first billing function and third information about the usage limit of the charge possessed by the settlement terminal, have a second acquisition function of acquiring the result of the settlement processing from the settlement terminal, and a third acquisition function of acquiring the second charge corresponding to the second information from the settlement terminal based on the result of the settlement processing at the settlement terminal.

Effect of the Invention

[0020] An information processing apparatus according to one aspect acquires first information, transmits second information about a second charge obtained by adding a predetermined amount to a first charge based on the first information to a settlement terminal, acquires the result of settlement processing based on the second information and third information at the settlement terminal, acquires the second charge corresponding to the second information from the settlement terminal based on the result of the settlement processing, provides the first charge obtained by subtracting a predetermined amount from the second charge to an administrator terminal, and transmits the result of the settlement processing to the administrator terminal, so that it is possible to appropriately guarantee the payment obligation of various charges related to a specific transaction. An information processing system, information processing method, and information processing program according to one aspect can achieve the same effects as the information processing apparatus according to the above-described one aspect.

Brief Description of the Drawings

[0021] [Figure 1] It is a diagram for explaining an information processing system according to one embodiment. [Figure 2] It is a block diagram for explaining an information processing apparatus according to one embodiment. [Figure 3] It is a first timing chart for explaining an information processing method according to one embodiment. [Figure 4]This is the second timing chart for explaining the information processing method according to an embodiment. [Figure 5] This is the third timing chart for explaining the information processing method according to an embodiment. **Embodiments for Carrying Out the Invention**

[0022] Hereinafter, an embodiment of the present invention will be described. In this specification, the term "information" is used, but the term "information" can be replaced with "data", and the term "data" can be replaced with "information".

[0023] First, the information processing system 1 will be described. FIG. 1 is a diagram for explaining the information processing system 1 according to an embodiment.

[0024] The information processing system 1 includes an administrator terminal 10, a settlement terminal 20, a user terminal 30, and an information processing device 40.

[0025] The administrator terminal 10 is used, for example, for managing a predetermined target. The predetermined target may be, for example, various items such as rental properties of real estate and items subject to rental business, or various services. The administrator terminal 10 is used, for example, for various processes including contracts and fees related to a predetermined target. The administrator terminal 10 is used, for example, by an administrator who manages a predetermined target. The administrator terminal 10 may manage a plurality of predetermined targets (a plurality of rental properties).

[0026] The payment terminal 20 is installed in companies, etc., that can process payments such as credit card payments. For example, the payment terminal 20 is installed in payment companies and payment processing companies. The payment terminal 20 is used, for example, for payments for a predetermined object. The predetermined object may be various things, such as real estate rental properties and items subject to rental services, as in the example above. The payment terminal 20 is used for various processes, such as the settlement of fees related to the predetermined object. The payment terminal 20 is used, for example, by employees who process payments.

[0027] The user terminal 30 is used, for example, by a user who uses a specified object, or by a contractor who enters into a contract for the use of the specified object. The user or contractor pays a fee to the administrator for using the specified object and requests a guarantee for the fee for the specified object from the company (guarantee company) to which the information processing device 40 described later is provided. The specified object may be various things, such as real estate rental properties and items subject to rental services, as in the example described above. The user terminal 30 is used, for example, for various processes, including contracts and fees related to the specified object.

[0028] The information processing device 40 is interposed between the administrator terminal 10 and the payment terminal 20. That is, the information processing device 40 is connected to both the administrator terminal 10 and the payment terminal 20 via a communication network. The information processing device 40 may also be connected to the user terminal 30 via a communication network.

[0029] The information processing device 40 is used to guarantee payment obligations for various fees related to specific transactions. For example, the information processing device 40 guarantees various contracts made between an administrator and a user using the administrator terminal 10 regarding a predetermined subject. In other words, the information processing device 40 is used to guarantee various contracts in which there is room for a guarantor. The information processing device 40 may, for example, guarantee each contract for multiple predetermined subjects. In the following explanation, a real estate lease agreement will be used as an example to describe various contracts in which there is room for a guarantor.

[0030] In other words, as a specific example, when the designated subject is a rental property (e.g., a room), and a lease agreement is made between the manager who manages the rental property and the user, the manager may require the user to provide a guarantor. For example, a guarantee company that possesses the information processing device 40 becomes the guarantor in that lease agreement. In such cases, the information processing device 40 guarantees the rental fees (e.g., rent) of the leased property. For example, when requested by the administrator terminal 10 or the user terminal 30, the information processing device 40 identifies the user and issues a unique code used when requesting payment from the payment terminal 20. The information processing device 40 also screens whether to act as a guarantor in the lease agreement and, if deemed suitable, performs various processing steps.

[0031] For example, the information processing device 40 requests the payment terminal 20 to settle the total amount of the rental fee plus the guaranteed amount for the rental property each month, using a unique code. When the payment is processed at the payment terminal 20, the information processing device 40 retrieves the total amount from the payment terminal 20. Furthermore, when the information processing device 40 retrieves the total amount from the payment terminal 20, it provides the administrator terminal 10 with the amount obtained by subtracting the guaranteed amount (rental fee) from the total amount. If payment is not received from the payment terminal 20, the information processing device 40 provides the rental fee for the rental property to the administrator terminal 10.

[0032] Here, the administrator terminal 10 and the payment terminal 20 may be, for example, a server, desktop, laptop, tablet, and smartphone. The user terminal 30 may be, for example, a desktop, laptop, tablet, and smartphone. The information processing device 40 may be, for example, a computer (specifically, a server, desktop, laptop, tablet, and smartphone).

[0033] Next, the information processing device 40 will be described in detail. Figure 2 is a block diagram illustrating an information processing device 40 according to one embodiment.

[0034] The information processing device 40 includes a communication unit 52, a first acquisition unit 42, a first request unit 43, a second acquisition unit 44, a third acquisition unit 45, a first provision unit 46, a second provision unit 47, a fourth acquisition unit 48, a third provision unit 49, a fourth provision unit 50, and a fifth provision unit 51. The first acquisition unit 42, the first request unit 43, the second acquisition unit 44, the third acquisition unit 45, the first provision unit 46, the second provision unit 47, the fourth acquisition unit 48, the third provision unit 49, the fourth provision unit 50, and the fifth provision unit 51 may be implemented as a function of the control unit 41 of the information processing device 40 (for example, an arithmetic processing unit, etc.).

[0035] The communication unit 52 has the functions of both a transmitting unit for sending information and a receiving unit for receiving information. The communication unit 52 communicates with various devices and terminals located outside the information processing device 40. In other words, the communication unit 52 can send and receive information with the administrator terminal 10, the payment terminal 20, and the user terminal 30, respectively. In other words, the control unit 41 can send and receive information via the communication unit 52. For example, the communication unit 52 (receiving unit) receives monetary information regarding the amounts of various charges.

[0036] The first acquisition unit 42 acquires first information regarding the first charge for a predetermined object from the administrator terminal 10. Here, the predetermined object may be various things, such as rental properties and items subject to rental services, as described above. For this reason, in the following explanation, "rental properties" of real estate will be used as an example of the "predetermined object". The first charge may be, for example, the rental fee for the rental property. The first acquisition unit 42 acquires first information from, for example, the administrator terminal 10, when a lease agreement for a rental property is concluded between the user and the administrator. Specifically, as an example, the first acquisition unit 42 acquires information indicating the amount of rent for the rental property as first information. In this case, prior to the acquisition of the first information by the first acquisition unit 42, the fourth acquisition unit 48, described later, acquires information (for example, a unique code, etc.) regarding the payment method of the first fee that the user pays to the administrator in the lease agreement between the user and the administrator. Here, the "information acquisition unit" of the present invention may correspond to the "first acquisition unit 42" which is one embodiment described above.

[0037] The first billing unit 43 transmits second information regarding the second fee, which is calculated by adding a predetermined amount to the first fee based on the first information acquired by the first acquisition unit 42, to the payment terminal 20. The predetermined amount is the cost incurred when acting as a guarantor in a lease agreement between the user and the administrator, and may be the "guarantee amount" mentioned above. In other words, if the leased property is a leased property of real estate, the first billing unit 43 may transmit second information regarding the second fee, which is calculated by adding a predetermined amount, the guarantee amount for the guarantee of the leased property's rent, to the first fee, to the leased property's rent. Here, the first billing unit 43 transmits second information regarding the total amount (second fee), which is calculated by adding the guarantee amount (predetermined amount) to the lease fee (first fee), to the payment terminal 20 at predetermined intervals (for example, monthly). The second information is, for example, information requesting payment of the second fee from the payment terminal 20. The guaranteed amount (specified amount) may be, for example, an amount obtained by dividing the annual guaranteed amount into specified periods, a fixed amount for each specified period, or a variable amount that changes for each specified period. Here, the "billing unit" of the present invention may correspond to the "first billing unit 43" which is one embodiment described above. The billing unit (first billing unit 43) may transmit total amount information to the settlement terminal 20, which is a total amount obtained by adding a predetermined amount to the amount information received by the communication unit 52 (receiving unit). The "total amount information" may correspond to, for example, the "second information" which is one embodiment described above.

[0038] The second acquisition unit 44 acquires the result of the payment processing from the payment terminal 20 when payment processing is performed at the payment terminal 20 based on the second information transmitted to the payment terminal 20 by the first billing unit 43 and the third information relating to the payment limit held by the payment terminal 20. The third information is, for example, information relating to the credit card's spending limit (credit limit) for a predetermined period. When payment processing is performed at the payment terminal 20 based on the second and third information, that is, when the second charge is payable, the second acquisition unit 44 acquires the result of the payment processing (that the payment has been approved) from the payment terminal 20. That is, the second acquisition unit 44 may, for example, acquire information indicating whether a credit limit for the payment amount has been secured for the credit card as a result of payment processing based on the third information. The second acquisition unit 44 may also acquire the result of the payment processing (that the payment was not approved) from the payment terminal 20 even if the payment processing at the payment terminal 20 is not approved. Here, the "result acquisition unit" of the present invention may correspond to the "second acquisition unit 44" which is one embodiment described above.

[0039] The third acquisition unit 45 acquires the second fee corresponding to the second information from the payment terminal 20 based on the result of the payment processing at the payment terminal 20. That is, when payment is made and disbursed at the payment terminal 20, the third acquisition unit 45 acquires the payment amount (second fee). The second fee may be transferred by the payment company to a bank account (first account) used by the guarantee company that owns the information processing device 40, for example. In this case, the third acquisition unit 45, by "acquiring the second fee" from the payment terminal 20, may acquire information from the payment terminal 20 indicating that the second fee has been transferred from the payment company's (e.g., credit card company, etc.) bank account to the first account. Here, the "acquisition unit" and "charge acquisition unit" of the present invention may correspond to the "third acquisition unit 45" which is one embodiment described above. The acquisition unit (third acquisition unit 45) acquires the total amount corresponding to the total amount information described above. In this case, the acquisition unit (third acquisition unit 45) may acquire the total amount from, for example, the payment terminal 20 (or a device or account related to the payment terminal 20, etc.).

[0040] The first provisioning unit 46 provides the administrator terminal 10 with the first fee, which is the second fee obtained by the third acquisition unit 45 minus a predetermined amount (guarantee amount). When the information processing device 40 obtains the second fee from the third acquisition unit 45, it obtains the guarantee amount from the second fee and uses it for future activities as a guarantor. The first provisioning unit 46 also provides the administrator terminal 10 with the first fee (rental fee) after subtracting the guarantee amount from the second fee. The first fee may be transferred, for example, from the first account to the management company's bank account (second account). In this case, the first provisioning unit 46 may, by "providing the first fee" to the administrator terminal 10, send information to the administrator terminal 10 indicating, for example, that the first fee has been transferred from the first account to the second account. Here, the "money transfer processing unit" of the present invention may correspond to the "first provisioning unit 46" which is one embodiment described above. The money transfer processing unit (first provisioning unit 46) transfers the amount of various fees obtained by subtracting a predetermined amount from the total amount obtained by the acquisition unit (third acquisition unit 45). In this case, the money transfer processing unit (first provisioning unit 46) may transfer the amount of various fees to the administrator terminal 10 (or a device or account related to the administrator terminal 10, etc.).

[0041] The second provisioning unit 47 transmits the settlement processing results obtained by the second acquisition unit 44 to the administrator terminal 10. If the settlement company has paid the rent for the rental property (second fee), the second provisioning unit 47 transmits information to the administrator terminal 10 indicating that the settlement has been paid. Alternatively, if the settlement company has not paid the rent for the rental property (second fee), the second provisioning unit 47 may transmit information to the administrator terminal 10 indicating that the settlement was not paid.

[0042] As described above, the fourth acquisition unit 48 acquires fourth information regarding the payment method from the user terminal 30 of the user using the rental property. That is, when the information processing device 40 (for example, the control unit 41, etc.) provides a guarantee for the lease agreement between the user and the administrator, it first acquires information (fourth information) regarding the payment method of the first fee that the user pays to the administrator, via the fourth acquisition unit 48.

[0043] If the third acquisition unit 45 cannot acquire the second fee based on the settlement processing results acquired by the second acquisition unit 44, the third provision unit 49 transmits fifth information regarding confirmation of a change in the settlement method based on the fourth information acquired by the fourth acquisition unit 48 to the user terminal 30. For example, if the settlement of the second fee is not approved by the settlement company, the third provision unit 49 transmits information requesting payment of the second fee, i.e., information (fifth information) confirming whether to change the registered fourth information, to the user terminal 30.

[0044] When the user requests a change in payment method in response to receiving the fifth information, the information processing device 40 (for example, the control unit 41, etc.) obtains information requesting a change in payment method (sixth information) from the user terminal 30 used by the user, or via the administrator terminal 10. That is, when the fourth providing unit 50 obtains sixth information regarding a change in payment method in response to the third providing unit 49 transmitting the fifth information to the user terminal 30, it transmits seventh information regarding the payment change to the payment terminal 20 in accordance with the sixth information. For example, the seventh information may be a URL or the like related to a form for the user to input payment method information (for example, information for credit card payment) into the payment terminal 20.

[0045] Alternatively, as an example, the information processing device 40 (for example, the control unit 41, etc.) may, regardless of the result of the payment processing at the payment terminal 20, obtain information requesting a change in payment method from the user terminal 30 used by the user, or via the administrator terminal 10, if the user requests a change in payment method. In this case, the fourth provisioning unit 50 may transmit the seventh information regarding the payment change to the payment terminal 20.

[0046] If the third acquisition unit 45 cannot acquire the second fee based on the settlement processing results acquired by the second acquisition unit 44, the fifth provision unit 51 provides the first fee to the administrator terminal 10. If the settlement company does not settle the second fee as a result of the settlement processing (i.e., the second fee cannot be acquired), the fifth provision unit 51 provides the first fee to the administrator terminal 10. The first fee may be transferred from a bank account (first account) used by the company that owns the information processing device 40 to the management company's bank account (second account), etc., as described above. In this case, the fifth provision unit 51 may, by "providing the first fee" to the administrator terminal 10, send information to the administrator terminal 10 indicating, for example, that the first fee has been transferred from the first account, etc., to the second account.

[0047] Next, an information processing method according to one embodiment will be described.

[0048] First, as an information processing method, we will explain the process for applying for a guarantee using Figure 3. Figure 3 is a first timing chart illustrating an information processing method according to one embodiment.

[0049] In step ST101, if the user terminal 30 applies for a guarantee of rent for the rental property, it transmits information regarding that application to the administrator terminal 10.

[0050] In step ST102, the administrator terminal 10 transmits fourth information regarding the warranty application and payment method to the information processing device 40 in accordance with step ST101. The fourth information is information regarding the payment method for the first fee that the user pays to the administrator, and includes, for example, information about a credit card company.

[0051] In step ST103, the information processing device 40 (e.g., the control unit 41) receives the guarantee application and the fourth information. Based on the fourth information, the information processing device 40 (e.g., the control unit 41) transmits information requesting payment to the payment terminal 20 provided to the corresponding credit card company. Upon receiving the fourth information, the information processing device 40 (e.g., the control unit 41) also issues a number (unique code) that is used when requesting payment from the payment terminal 20. The unique code is, for example, information that identifies the user and is issued for each user. The unique code is information that identifies the user between the guarantee company (information processing device 40) and the payment company (payment terminal 20). The information processing device 40 (e.g., the control unit 41) shares the unique code with the payment terminal 20.

[0052] In step ST104, the payment terminal 20 registers the user's information in accordance with step ST103 and, as an example, issues a URL for a form on which the user can enter their payment method (for example, information for credit card payment) into the payment terminal 20.

[0053] In step ST105, the information processing device 40 (for example, the control unit 41, etc.) sends the URL issued in step ST104 to the user terminal 30. In this case, the information processing device 40 (for example, the control unit 41, etc.) sends the URL to the user terminal 30 via a medium such as SMS (Short Message Service) or email.

[0054] In step ST106, the information processing device 40 (for example, the control unit 41, etc.) reviews the warranty application received in step ST103. Here, if there are any deficiencies in the warranty application, the information processing device 40 (for example, the control unit 41, etc.) may send a notification to the administrator terminal 10.

[0055] In step ST107, the user terminal 30 accesses a URL in accordance with step ST105 and enters payment information (for example, information for credit card payment) on the page of that URL.

[0056] In step ST108, the payment terminal 20 retrieves the information entered in step ST107. In this case, the payment terminal 20, for example, stores the credit card number, verifies the card's expiration date and validity, and transmits the verification results, etc., to the information processing device 40.

[0057] In step ST109, the information processing device 40 (e.g., the control unit 41) registers the information transmitted from the payment terminal 20 in accordance with step ST108. The information processing device 40 (e.g., the control unit 41) transmits the results of the review in step ST106 and the registration results in step ST109 to the administrator terminal 10. That is, the information processing device 40 (e.g., the control unit 41) transmits to the administrator terminal 10 that the guarantee application has been approved. In this case, the information processing device 40 (e.g., the control unit 41) may also transmit information that identifies the user (e.g., a unique code, etc.) to the administrator terminal 10.

[0058] In step ST110, the administrator terminal 10 receives the information transmitted in step ST109, i.e., the result approved by the guarantee company.

[0059] In step ST111, the user terminal 30 exchanges information with the administrator terminal 10, and if the warranty application is approved in step ST109, it sends a warranty contract with various items entered to the administrator terminal 10.

[0060] In step ST112, the administrator terminal 10 concludes a warranty agreement in accordance with step ST111. The administrator terminal 10 transmits the warranty agreement to the information processing device 40.

[0061] In step ST113, the information processing device 40 (for example, the control unit 41, etc.) receives the result of the agreement.

[0062] Next, as an information processing method, the process for billing the payment terminal 20 for the second fee will be explained using Figure 4. Figure 4 is a second timing chart illustrating an information processing method according to one embodiment.

[0063] In step ST201, the administrator terminal 10 transmits, for example, the first information for billing the first charge at predetermined intervals (for example, monthly) to the information processing device 40.

[0064] In step ST202, the information processing device 40 (for example, the control unit 41, etc.) transmits second information to the payment terminal 20 requesting payment for a second fee, which is the first fee plus a predetermined amount (guarantee amount). In this case, the information processing device 40 (for example, the control unit 41, etc.) may also transmit information identifying the user (for example, a unique code, etc.) to the payment terminal 20 along with the second information.

[0065] In step ST203, the payment terminal 20 obtains third-party information regarding the payment limit (for example, the credit limit for a credit card, etc.) corresponding to the user.

[0066] In step ST204, the payment terminal 20 performs payment processing based on the second information transmitted in step ST202 and the third information acquired in step ST203. If the payment is approved as a result of the payment processing, the payment terminal 20 provides the second charge to the information processing device 40. The payment terminal 20 also provides the information processing device 40 with the result of the payment processing (information indicating whether the payment was approved or not).

[0067] In step ST205, the information processing device 40 (e.g., the control unit 41) obtains the result of the settlement process transmitted in step ST204. The information processing device 40 (e.g., the control unit 41) also provides the settlement process result to the administrator terminal 10. Furthermore, even if payment is not processed in step ST204, the information processing device 40 (for example, the control unit 41, etc.) may request payment from the payment terminal 20 multiple times, for example, within a certain period or until a predetermined deadline. In other words, the information processing device 40 (for example, the control unit 41, etc.) may re-execute the process in step ST202 under predetermined conditions. In this case, the information processing device 40 (for example, the control unit 41, etc.) may re-execute the process in step ST202, taking into account an appropriate timing such as the month date and day of the week as the timing for transmitting the second information again. Furthermore, if payment is not processed in step ST204, the information processing device 40 (e.g., the control unit 41, etc.) may immediately notify the user that payment was not processed. For example, the information processing device 40 (e.g., the control unit 41, etc.) may notify the user terminal 30 that payment was not processed using a medium such as SMS or email. In this case, the information processing device 40 (e.g., the control unit 41, etc.) may include instructions for requesting the second fee (e.g., instructions for various payment methods such as credit card, bank transfer, and convenience store payment). Furthermore, even if a payment method is registered through the processing of each step described using Figure 3 above, the information processing device 40 (for example, the control unit 41, etc.) may allow the user terminal 30 to re-register payment methods such as credit cards and bank transfers if the registered payment method becomes unusable due to, for example, the suspension of credit card use.

[0068] In step ST206, the information processing device 40 (e.g., the control unit 41, etc.) provides the second fee provided in step ST204. The information processing device 40 (e.g., the control unit 41, etc.) also provides the administrator terminal 10 with the first fee, which is the second fee minus a predetermined amount (guaranteed amount). Furthermore, if the payment processing at the payment terminal 20 fails, the information processing device 40 (for example, the control unit 41, etc.) provides the first fee to the administrator terminal 10 without obtaining the second fee from the payment terminal 20.

[0069] In step ST207, the administrator terminal 10 obtains the result of the payment processing in accordance with step ST205. The administrator terminal 10 also obtains the first charge in accordance with step ST206.

[0070] Next, we will explain the process for changing the payment method as an information processing method, using Figure 5. Figure 5 is a third timing chart illustrating an information processing method according to one embodiment.

[0071] In step ST301, if the information processing device 40 (for example, the control unit 41, etc.) indicates that the payment processing result obtained in step ST205 above was not approved, it provides the user terminal 30 with fifth information to confirm whether to change the payment method.

[0072] In step ST302, when the user terminal 30 changes the payment method, it inputs the required information into a form, for example, and transmits the sixth piece of information for changing the payment method to the information processing device 40.

[0073] In step ST303, the information processing device 40 provides the payment terminal 20 with seventh information requesting a change in the payment method, in accordance with step ST302. The subsequent processing may be the same as the processing from step ST104 onwards described above.

[0074] Furthermore, in the information processing device 40 and information processing method described above, the control unit 41 may reduce the predetermined amount (guarantee amount) added to the first charge thereafter if the user has not defaulted on rent payments for the leased property for a predetermined period (for example, two years), that is, if the second charge has been paid at the payment terminal 20. In this case, if the payment method is changed during the predetermined period (for example, two years), that is, if the credit card is changed, the control unit 41 may start the calculation from the time the initial credit card was registered.

[0075] The effects of this embodiment will be described below. The information processing device 40 includes a first acquisition unit 42 that acquires first information regarding rental properties from the administrator terminal 10, a first billing unit 43 that transmits second information regarding a second fee, which is obtained by adding a predetermined amount (guarantee amount) to the first fee based on the first information, to the payment terminal 20, a second acquisition unit 44 that acquires the result of the payment processing from the payment terminal 20 when payment processing is performed at the payment terminal 20 based on the second and third information, and a third acquisition unit 45 that acquires the second fee from the payment terminal 20 based on the result of the payment processing. In this case, the information processing device 40 may include a first providing unit 46 that provides the administrator terminal 10 with a first fee obtained by subtracting a predetermined amount (guarantee amount) from the second fee, and a second providing unit 47 that transmits the result of the settlement process obtained by the second acquisition unit 44 to the administrator terminal 10. In other words, the information processing device 40 can request a second fee for a predetermined object (e.g., a rental property) from the payment terminal 20 and obtain a guaranteed amount for the rental property accordingly. The information processing device 40 can also provide a first fee for the rental property to the administrator terminal 10. In other words, the information processing device 40 can, for example, guarantee the fees related to the lease of real estate to the administrator (or owner) while appropriately paying the first fee (e.g., rent) to the administrator (or owner) of that real estate. Furthermore, since the information processing device 40 requests payment from the payment terminal 20 for the second fee, which is the first fee plus a predetermined amount (guarantee amount), the effort and cost involved in requesting payment can be reduced compared to requesting payment for the first fee and the predetermined amount separately. In this case, for example, if payment for the first fee and the predetermined amount is requested separately, and only one of them is paid due to the credit card's spending limit, the first fee must be paid to the administrator terminal 10 or the user must be billed for the unpaid first fee and predetermined amount, increasing the processing effort. In contrast, as in the embodiment described above, when the payment terminal 20 processes the payment for the second fee, the management and processing of the first fee and the predetermined amount can be performed together, thus reducing the effort required for subsequent processing. Furthermore, the information processing device 40 provides the administrator terminal 10 with the result of the settlement of the second fee at the payment terminal 20. For example, if the settlement of the second fee fails at the payment terminal 20, the administrator terminal 10 can also receive the result. This allows the information processing device 40 to notify the administrator if the user is in arrears on the rent (first fee), and to ensure that the administrator (or owner) understands in advance that the guarantee company may demand payment from the user for the arrears (first fee) and a predetermined amount (guarantee amount).

[0076] The information processing device 40 may also include: a fourth acquisition unit 48 that acquires fourth information regarding a payment method from the user terminal 30; a third provision unit 49 that, if it is not possible to acquire a second charge based on the result of the payment processing acquired by the second acquisition unit 44, transmits fifth information regarding confirmation of a change in the payment method based on the fourth information acquired by the fourth acquisition unit 48 to the user terminal 30; and a fourth provision unit 50 that, if it acquires sixth information regarding a change in the payment method from the user terminal 30 in response to transmitting fifth information to the user terminal 30, transmits seventh information regarding the payment change to the payment terminal 20 in accordance with the sixth information. In other words, if the payment for the second fee is not processed at the payment terminal 20, the information processing device 40 can inquire with the user terminal 30 (user) whether or not to change the payment method, and if the payment method is changed (for example, to a credit card), it can inquire with the payment terminal 20 whether that payment method is available. Therefore, even if the second fee cannot be obtained using the registered payment method, the information processing device 40 can change the payment method and obtain the second fee from the user terminal 30 (user).

[0077] The information processing device 40 may also include a fifth provisioning unit 51 that provides the first fee to the administrator terminal 10 if it is not possible to obtain the second fee based on the settlement processing results obtained by the second acquisition unit 44. As a result, the information processing device 40 can guarantee payment of the first fee to the property manager (or owner) even if the payment of the second fee is not processed at the payment terminal 20.

[0078] In the information processing device 40, the first billing unit 43 may transmit to the settlement terminal 20 second information regarding a second fee, which is obtained by adding a predetermined amount for guaranteeing the rent of the rental property to the rent of the rental property, as a first fee, in the case of a rental property of real estate. As a result, the information processing device 40 can guarantee to the administrator (or owner) the fees related to the lease of the real estate, while appropriately paying the first fee (e.g., rent) to the administrator (or owner) of the real estate.

[0079] In the information processing device 40, the second acquisition unit 44 may acquire information indicating whether a credit limit has been secured for the payment amount for the credit card as a result of the settlement process based on the third information. As a result, the information processing device 40 can obtain that payment has been processed at the payment terminal 20 (that the second fee can be obtained).

[0080] Furthermore, the information processing device 40 is a device used to guarantee payment obligations for various fees related to a specific transaction, and may include: a receiving unit (for example, a "communication unit 52") that receives amount information regarding the amounts of various fees; a billing unit (for example, a "first billing unit 43") that transmits aggregate amount information regarding the aggregate amount obtained by adding a predetermined amount to the amount information; an acquisition unit (for example, a "third acquisition unit 45") that acquires the aggregate amount according to the aggregate amount information; and a remittance processing unit (for example, a "first provision unit 46") that remits the amounts of various fees obtained by subtracting a predetermined amount from the aggregate amount acquired by the acquisition unit. The billing unit, acquisition unit and remittance processing unit described above may be implemented as a function of the control unit 41 of the information processing device 40. In other words, the information processing device 40 can request the settlement terminal 20 to pay a total amount which is the sum of various fees related to a predetermined object (for example, a rental property) and a predetermined amount (for example, a guarantee amount), and in turn receive the predetermined amount related to the rental property. As a result, the information processing device 40 requests payment from the payment terminal 20 for a total charge which is the sum of various charges plus a predetermined amount (for example, a guaranteed amount). This reduces the effort and cost involved in requesting payment compared to requesting payment for each charge and the predetermined amount separately. In this case, for example, if payment for each charge and the predetermined amount is requested separately, and only one of them is paid due to the credit card limit, the administrator terminal 10 must pay the charges or bill the user for the charges that were not paid, increasing the processing effort. In contrast, as in the embodiment described above, when the payment terminal 20 settles the total charge, the management and processing of each charge and the predetermined amount can be done together, thus reducing the effort required for subsequent processing.

[0081] Information processing system 1 is a system comprising an administrator terminal 10 used for managing rental properties, a settlement terminal 20 used for settlements related to rental properties, and an information processing device 40 interposed between the administrator terminal 10 and the settlement terminal 20. In this case, the information processing device 40 comprises a first acquisition unit 42 that acquires first information regarding a first fee related to rental properties from the administrator terminal 10, a first billing unit 43 that transmits second information regarding a second fee, which is obtained by adding a predetermined amount to the first fee based on the first information acquired by the first acquisition unit 42, to the settlement terminal 20, a second acquisition unit 44 that acquires the result of the settlement process from the settlement terminal 20 when settlement processing is performed at the settlement terminal 20 based on the second information transmitted to the settlement terminal 20 by the first billing unit 43 and third information regarding the fee usage limit of the settlement terminal 20, and a third acquisition unit 45 that acquires the second fee corresponding to the second information from the settlement terminal 20 based on the result of the settlement process at the settlement terminal 20. In this case, the information processing device 40 may include a first providing unit 46 that provides the administrator terminal 10 with a first fee obtained by subtracting a predetermined amount from the second fee obtained by the third acquisition unit 45, and a second providing unit 47 that transmits the result of the settlement process obtained by the second acquisition unit 44 to the administrator terminal 10. In other words, the information processing system 1 can request a second fee for a predetermined object (e.g., a rental property) from the payment terminal 20, obtain a guaranteed amount for the rental property accordingly, and provide the first fee for the rental property to the administrator terminal 10. To put it another way, the information processing system 1 can, as an example, guarantee the fees for the rental of real estate to the administrator (or owner) while appropriately paying the first fee (e.g., rent) to the administrator (or owner) of that real estate.

[0082] In the information processing method, the information processing device 40 (computer) performs the following steps: a first acquisition step in which it acquires first information regarding the rental property from the administrator terminal 10; a first billing step in which it transmits second information regarding the second fee, which is obtained by adding a predetermined amount (guarantee amount) to the first fee based on the first information, to the settlement terminal 20; a second acquisition step in which, if settlement processing is performed at the settlement terminal 20 based on the second and third information, it acquires the result of that settlement processing from the settlement terminal 20; and a third acquisition step in which it acquires the second fee from the settlement terminal 20 based on the result of that settlement processing. In this case, the information processing method may include a first provision step of providing the administrator terminal 10 with the first fee obtained by subtracting a predetermined amount (guarantee amount) from the second fee, and a second provision step of transmitting the result of the settlement process obtained by the second acquisition step to the administrator terminal 10. In other words, the information processing method can request a second fee for a predetermined object (e.g., a rental property) from the payment terminal 20, obtain a guaranteed amount for the rental property accordingly, and provide the first fee for the rental property to the administrator terminal 10. To put it another way, the information processing method can, as an example, guarantee the administrator (or owner) for the fees related to the lease of real estate, while appropriately paying the first fee (e.g., rent) to the administrator (or owner) of that real estate.

[0083] The information processing program enables the information processing device 40 (computer) to implement a first acquisition function that acquires first information regarding rental properties from the administrator terminal 10, a first billing function that transmits second information regarding a second fee, which is calculated by adding a predetermined amount (guarantee amount) to the first fee based on the first information, to the payment terminal 20, a second acquisition function that acquires the result of the payment processing from the payment terminal 20 when payment processing is performed at the payment terminal 20 based on the second and third information, and a third acquisition function that acquires the second fee from the payment terminal 20 based on the result of the payment processing. In this case, the information processing program may implement a first provisioning function that provides the administrator terminal 10 with the first fee, which is the second fee minus a predetermined amount (guarantee amount), and a second provisioning function that transmits the result of the settlement process obtained by the second acquisition function to the administrator terminal 10. In other words, the information processing program can request a second fee for a predetermined object (e.g., a rental property) from the payment terminal 20, obtain a guaranteed amount for the rental property accordingly, and provide the first fee for the rental property to the administrator terminal 10. To put it another way, the information processing program can, as an example, guarantee the fees for the rental of real estate to the administrator (or owner) while appropriately paying the first fee (e.g., rent) to the administrator (or owner) of that real estate.

[0084] Each part of the information processing device 40 described above may be implemented as a function of a computer's arithmetic processing unit or the like. That is, the first acquisition unit 42, the first request unit 43, the second acquisition unit 44, the third acquisition unit 45, the first provision unit 46, the second provision unit 47, the fourth acquisition unit 48, the third provision unit 49, the fourth provision unit 50, and the fifth provision unit 51 of the information processing device 40 may be implemented as the first acquisition function, the first request function, the second acquisition function, the third acquisition function, the first provision function, the second provision function, the fourth acquisition function, the third provision function, the fourth provision function, and the fifth provision function, respectively, by a computer's arithmetic processing unit or the like. Information processing programs can enable computers to implement the functions described above. Information processing programs may be recorded on non-temporary recording media that are readable by a computer, such as external memory or optical discs. Furthermore, as described above, each part of the information processing device 40 may be implemented by a computer's arithmetic processing unit, etc. Such arithmetic processing unit, etc. is composed of, for example, an integrated circuit. For this reason, each part of the information processing device 40 may be implemented as a circuit constituting the arithmetic processing unit, etc. That is, the first acquisition unit 42, the first request unit 43, the second acquisition unit 44, the third acquisition unit 45, the first provision unit 46, the second provision unit 47, the fourth acquisition unit 48, the third provision unit 49, the fourth provision unit 50, and the fifth provision unit 51 of the information processing device 40 may be implemented as the first acquisition circuit, the first request circuit, the second acquisition circuit, the third acquisition circuit, the first provision circuit, the second provision circuit, the fourth acquisition circuit, the third provision circuit, the fourth provision circuit, and the fifth provision circuit constituting the computer's arithmetic processing unit, etc. Furthermore, the communication unit 52 of the information processing device 40 may be implemented as a communication function that includes the functions of, for example, an arithmetic processing unit. Alternatively, the communication unit 52 of the information processing device 40 may be implemented as a communication circuit by being composed of, for example, an integrated circuit. Alternatively, the communication unit 52 of the information processing device 40 may be configured as a communication device by being composed of, for example, multiple devices. Furthermore, the billing unit, acquisition unit, and remittance processing unit of the information processing device 40 may be implemented as billing, acquisition, and remittance processing functions of a computer's arithmetic processing circuit, or they may be configured as billing circuits, acquisition circuits, and remittance processing circuits of a computer's arithmetic processing circuit. [Explanation of Symbols]

[0085] 1. Information Processing System 10 Administrator terminal 20 Payment terminals 30 User terminals 40 Information Processing Devices 41 Control Unit 42 First acquisition part 43 1st Requesting Department 44 Second acquisition part 45 Part 3 46. ​​First Provision Department 47. Second Provision Department 48. Part 4 49. Third Provision Department 50. Fourth Provision Department 51. Fifth Provision Department 52 Ministry of Communications

Claims

1. An information processing device interposed between an administrator terminal used for managing a predetermined object and a payment terminal used for settlement of a predetermined object, An information acquisition unit that acquires first information regarding a first charge for a predetermined target from the administrator terminal, A first billing unit transmits to the payment terminal second information regarding a second charge, which is obtained by adding a predetermined amount to the first charge based on the first information obtained by the information acquisition unit, A fee acquisition unit obtains a second fee corresponding to the second information from the payment terminal based on the result of the payment processing at the aforementioned payment terminal, An information processing device equipped with the following features.

2. When a payment is processed at the payment terminal based on the second information transmitted to the payment terminal by the first billing unit and the third information relating to the usage limit of the payment terminal, a result acquisition unit acquires the result of the payment processing from the payment terminal. A first provisioning unit provides the administrator terminal with a first fee obtained by subtracting the predetermined amount from the second fee obtained by the fee acquisition unit, A second provisioning unit transmits the results of the settlement process obtained by the result acquisition unit to the administrator terminal, The information processing apparatus according to claim 1, comprising:

3. A fourth acquisition unit that acquires fourth information regarding payment methods from the user terminal of a user using a specified target, If the fee acquisition unit cannot acquire the second fee based on the result of the settlement process acquired by the result acquisition unit, the third provision unit transmits fifth information regarding confirmation of a change in the settlement method based on the fourth information acquired by the fourth acquisition unit to the user terminal. When the third providing unit transmits fifth information to the user terminal and obtains sixth information regarding a change in the payment method, the fourth providing unit transmits seventh information regarding the payment change to the payment terminal in accordance with the sixth information, The information processing apparatus according to claim 2, comprising:

4. If the fee acquisition unit cannot acquire the second fee based on the result of the settlement process acquired by the result acquisition unit, the system includes a fifth provisioning unit that provides the first fee to the administrator terminal. The information processing apparatus according to claim 2 or 3.

5. The aforementioned result acquisition unit acquires information indicating whether a credit limit has been secured for the payment amount for the credit card as a result of the settlement process based on the third information. The information processing apparatus according to any one of claims 2 to 4.

6. The first billing unit transmits to the payment terminal second information regarding a second fee, which is the rent for the rental property as the first fee plus a predetermined amount for the guarantee of the rental property's rent, if the specified subject is a rental property of real estate. The information processing apparatus according to any one of claims 1 to 5.

7. An information processing device used when guaranteeing payment obligations for various fees related to a specific transaction, A receiving unit that receives amount information regarding the amounts of the various charges mentioned above, A billing unit transmits aggregated amount information relating to the aggregated amount obtained by adding a predetermined amount to the aforementioned amount information, An acquisition unit that acquires the total amount according to the aforementioned total amount information, A remittance processing unit that remits the amount of various fees obtained by subtracting the predetermined amount from the total amount obtained by the acquisition unit, An information processing device equipped with the following features.

8. An information processing system comprising an information processing device used when guaranteeing payment obligations for various fees related to a specific transaction, a settlement terminal for settling payments for various fees, and an administrator terminal for managing the subject of a specific transaction, The aforementioned information processing device is A receiving unit that receives amount information regarding the amounts of the various charges mentioned above from the administrator terminal, A billing unit transmits aggregate amount information, which is the aggregate amount obtained by adding a predetermined amount to the aforementioned amount information, to the payment terminal. An acquisition unit that obtains the total amount corresponding to the total amount information from the payment terminal, A remittance processing unit that sends the amount of various charges obtained by subtracting the predetermined amount from the total amount obtained by the acquisition unit to the administrator terminal, An information processing system equipped with the following features.

9. An information processing method performed in an information processing device used to guarantee payment obligations for various fees related to a specific transaction, The aforementioned information processing device A receiving step in which the receiving unit receives amount information regarding the amounts of the various charges mentioned above, A billing step that transmits aggregate amount information relating to the aggregate amount obtained by adding a predetermined amount to the aforementioned amount information, An acquisition step to obtain the total amount corresponding to the aforementioned total amount information, A remittance processing step involves sending the amount of various fees obtained by subtracting the predetermined amount from the total amount obtained in the acquisition step, An information processing method that performs the following.

10. An information processing program implemented in an information processing device used to guarantee payment obligations for various fees related to a specific transaction, The aforementioned information processing device, A receiving function that receives amount information regarding the amounts of the various charges mentioned above, A billing function that transmits aggregate amount information relating to the aggregate amount obtained by adding a predetermined amount to the aforementioned amount information, A function to obtain the total amount according to the aforementioned total amount information, A remittance processing function that remits the amount of various fees obtained by subtracting the predetermined amount from the total amount obtained by the acquisition function, An information processing program that makes this possible.

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