Information processing device, information processing method, and program

Abstract

To provide a technique for effectively utilizing a remaining proxy repayment balance of a scholarship recipient or the like that is caused when proxy repayment is ended.SOLUTION: Proxy repayment information associated with information on registrants who canceled registration is registered as allocated pool money information and total allocated pool money information is tallied. Allocated money information per registrant is computed by dividing the total allocated pool money information by the number registered as registrant information, and the allocated money information is added to the proxy repayment information.SELECTED DRAWING: Figure 6

Description

[Technical Field]

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

[0002] Traditionally, scholarship programs that provide loans to students studying at universities, vocational schools, etc. have been implemented by organizations such as the Japan Student Services Organization and local governments. Scholarship recipients who receive a loan under these programs are required to repay the loan monthly after finding employment at a company or other institution. According to one survey, it takes an average of 15.5 years to fully repay a scholarship. This means, for example, that if a 22-year-old university graduate finds employment at a company, they will continue to repay their scholarship monthly until they are around 37 years old. Therefore, since they begin making monthly repayments at a time when their salary income is low, the financial burden of repaying the loan is significant for scholarship recipients.

[0003] In order to reduce the financial burden of scholarship repayment on scholarship recipients, some companies have established a system whereby they add all or part of the repayment amount to the recipient's salary as part of their employee benefits. In addition, the Japan Student Services Organization (JASSO) has implemented a scholarship repayment support (proxy repayment) system whereby companies repay scholarships on behalf of recipients. [Prior art documents] [Non-patent literature]

[0004] [Non-Patent Document 1] Corporate Scholarship Repayment Support System (Proxy Repayment), Japan Student Services Organization,<URL:https: / / www.jasso.go.jp / shogakukin / kigyoshien / index.html> Summary of the Invention [Problem to be solved by the invention]

[0005] Scholarship repayment assistance programs have been considered as a way to reduce the financial burden on scholarship recipients of repaying their scholarships. In scholarship repayment assistance programs, for example, a program introduces scholarship recipients who are currently studying or repaying their scholarships to companies, etc., and receives referral fees from the companies that hire the introduced scholarship recipients. The scholarship repayment assistance program then saves some or all of the referral fees received from the companies that hire the scholarship recipients through this program as scholarship repayments on behalf of the scholarship recipients who are employed by the hiring company, and uses this pool of funds to make monthly scholarship repayments on behalf of the scholarship recipients.

[0006] By implementing this type of scholarship repayment assistance program, scholarship recipients who have been employed by a company or other organization can repay part or all of the scholarship amount they received by proxy, thereby reducing the financial burden on these scholarship recipients of repayment of their scholarship.

[0007] However, during the implementation of the scholarship repayment assistance program, there are cases where scholarship recipients who have been employed by a company through this program leave the company. In such cases, the scholarship repayment assistance program may be forced to terminate the proxy repayment for the scholarship recipient. This results in a remaining proxy repayment amount (remaining proxy repayment amount) for the scholarship recipient whose proxy repayment has been terminated.

[0008] The present disclosure aims to provide a technology for effectively utilizing the remaining balance of a scholarship recipient's proxy repayment that arises upon the completion of proxy repayment for other scholarship recipients. [Means for solving the problem]

[0009] In order to solve the above problem, the information processing device disclosed herein comprises a proxy repayment registration means for registering part or all of the amount received from a business where a scholarship recipient is employed as proxy repayment information for proxy repayment of the scholarship related to the scholarship recipient, in association with scholarship recipient information that can identify the scholarship recipient; a proxy repayment reduction means for reducing the proxy repayment information through proxy repayment; a deregistration means for deregistering the scholarship recipient information; a distribution pool registration means for registering the proxy repayment information associated with the deregistered scholarship recipient information as distribution pool information; a distribution pool calculation means for aggregating total distribution pool information based on the distribution pool information; a distribution calculation means for calculating the distribution information per scholarship recipient by subtracting the number of registered scholarship recipient information from the total distribution pool information; and a distribution addition means for adding up the distribution information in association with the scholarship recipient information.

[0010] In addition, the information processing method disclosed herein is an information processing method executed by a computer, and comprises: a proxy repayment registration process for registering part or all of the amount received from the business where the scholarship recipient is employed as proxy repayment information for proxy repayment of the scholarship related to the scholarship recipient, in association with scholarship recipient information that can identify the scholarship recipient; a proxy repayment reduction process for reducing the proxy repayment information through the proxy repayment; a deregistration process for canceling the registration of the scholarship recipient information; a distribution pool registration process for registering the proxy repayment information associated with the deregistered scholarship recipient information as distribution pool information; a distribution pool calculation process for aggregating total distribution pool information based on the distribution pool information; a distribution calculation process for calculating distribution information per scholarship recipient by subtracting the number of registered scholarship recipient information from the total distribution pool information; and a distribution addition process for adding up the distribution information in association with the scholarship recipient information.

[0011] In addition, the information processing program disclosed herein causes a computer to execute the following procedures: a proxy repayment registration procedure that registers part or all of the amount received from a business where a scholarship recipient is employed as proxy repayment information for proxy repayment of the scholarship related to the scholarship recipient, in association with scholarship recipient information that can identify the scholarship recipient; a proxy repayment reduction procedure that reduces the proxy repayment information through the proxy repayment; a deregistration procedure that cancels the registration of the scholarship recipient information; a distribution pool registration procedure that registers the proxy repayment information associated with the deregistered scholarship recipient information as distribution pool information; a distribution pool calculation procedure that compiles total distribution pool information based on the distribution pool information; a distribution calculation procedure that calculates distribution information per scholarship recipient by subtracting the number of registered scholarship recipient information from the total distribution pool information; and a distribution addition procedure that adds up the distribution information in association with the scholarship recipient information. [Effects of the Invention]

[0012] According to the present disclosure, a technology can be provided for effectively utilizing the remaining amount of a scholarship recipient's proxy repayment that arises upon the completion of proxy repayment for another scholarship recipient. [Brief explanation of the drawings]

[0013] [Figure 1] FIG. 1 is a diagram illustrating an overview of a business model realized in an embodiment of the present disclosure. [Figure 2] FIG. 1 is a diagram illustrating an example of an information processing system according to an embodiment of the present disclosure. [Figure 3] FIG. 3(a) is a diagram showing an example of a member registration management screen, and FIG. 3(b) is a diagram showing an example of an employment situation management screen. [Figure 4] Figure 4(a) is a diagram showing an example of a proxy repayment recipient management screen, Figure 4(b) is a diagram showing an example of a proxy repayment money management screen, and Figure 4(c) is a diagram showing an example of a support status management screen. [Figure 5] FIG. 5(a) is a diagram showing an example of a pooled money management screen, and FIG. 5(b) is a diagram showing an example of a pooled money deposit / withdrawal history management screen. [Figure 6] 10 is a flowchart showing an example of a return assistance process. [Figure 7] 10 is a flowchart showing an example of a pool money distribution process. DETAILED DESCRIPTION OF THE INVENTION

[0014] Hereinafter, embodiments of the present disclosure will be described in detail with reference to the drawings. However, more detailed explanation than necessary, for example, detailed explanation of well-known matters or redundant explanation of substantially the same configuration, may be omitted.

[0015] The drawings described below and referenced below are provided to help those skilled in the art understand the present disclosure, and are not intended to limit the scope of the claims of the present disclosure.

[0016] [Business model overview] An overview of a business model realized in an embodiment of the present disclosure will be described with reference to FIG.

[0017] Scholarship repayment assistance business 1 (hereinafter referred to as "repayment assistance business 1") shown in Figure 1 is a business that repays scholarships on behalf of scholarship recipients and scholarship recipients 2 who are currently repaying their scholarships (hereinafter collectively referred to as "scholarship recipients 2"). Repayment assistance business 1 also operates a scholarship recipient introduction business that introduces scholarship recipients to companies.

[0018] Also, scholarship recipient 2 is a student who has received a scholarship loan using the scholarship system, or a person who is currently repaying a scholarship (a person who has graduated from university, etc.).

[0019] Furthermore, the universities etc. 3 are universities, junior colleges, technical colleges, vocational schools, etc. Furthermore, the scholarship provider 4 is, for example, the Japan Student Services Organization, an independent administrative institution, which is an entity that provides scholarship loans.

[0020] Furthermore, the companies etc. 5 are companies, the country, prefectures, municipalities, various corporations, etc., and are companies etc. where scholarship students and those currently repaying their scholarships have been employed. Furthermore, the licensed companies etc. (licensees) 6 are companies, the country, prefectures, municipalities, various corporations, individuals, etc. that have concluded a prescribed license agreement with the scholarship introduction business 1.

[0021] Supporters 7 are companies, the national government, prefectures, municipalities, various corporations, and individuals that have donated or provided funds to the repayment assistance business operator 1. Trust bank 8 is the trust bank where the repayment assistance business operator 1 deposits the proxy repayment money.

[0022] As shown in FIG. 1, in the business model according to the embodiment of the present disclosure, a scholarship recipient 2 is introduced to a repayment assistance business operator 1 by a university or the like 3 or a scholarship provider 4 (step S1).

[0023] The scholarship recipient 2 who has been introduced by the repayment assistance business 1 registers as a member with the repayment assistance business 1 (step S2).

[0024] The repayment assistance business operator 1 introduces the scholarship recipient 2, who is registered as a member, to a company etc. 5 (step S3). Note that with respect to the company etc. 5 to which the repayment assistance business operator 1 introduces the scholarship recipient 2, a contract is assumed to have been concluded in advance for an introduction fee etc. that must be paid to the repayment assistance business operator 1 when the scholarship recipient 2 is employed by that company etc.

[0025] When a company or the like 5 employs the scholarship recipient 2 introduced by the repayment assistance business operator 1, the scholarship recipient is employed by the company or the like 5 (step S4).

[0026] The repayment assistance business operator 1 receives a predetermined introduction fee from the company 5 where the introduced scholarship recipient 2 is employed (step S5).

[0027] In addition, the repayment assistance business operator 1 receives a request from a company, etc. 5 where a scholarship recipient 2 other than the scholarship recipient 2 introduced by the business operator has been employed to act as an agent for repaying the scholarship related to that scholarship recipient 2, and receives a specified repayment agency fee from the company, etc. 5 (step S6).

[0028] In addition, the return assistance business operator 1 concludes a license agreement with the companies, etc. that support this business regarding the licensing of trademark rights, design rights, copyrights, etc. related to this business (step S7). The return assistance business operator 1 receives a predetermined license fee (license fee) from the license companies, etc. 6 that have concluded the license agreement (step S8).

[0029] In addition, the return assistance business operator 1 receives support money (donations and funding) from supporters 7 who support this project (step S9).

[0030] The repayment assistance business operator 1 deposits an amount corresponding to each of the referral fees, etc. received from the companies, etc. 5, the repayment agency fees, etc. received from the licensing companies, etc. 6, and the support funds, etc. received from the supporters, etc. 7, as a proxy repayment in a trust bank 8 (step S10). Note that in the embodiment of the present disclosure, when one scholarship recipient 2 is employed by a company, etc. 5, for example, 360,000 yen of the referral fees received from the company, etc. 5 is used as the source of the proxy repayment and deposited as a trust deposit for the source of funds (accumulated in the current trust deposit). Furthermore, proxy repayments other than the referral fees are deposited as a trust deposit for pooled funds. Note that the source amount of the proxy repayment is not limited to 360,000 yen and can be determined at the repayment assistance business operator 1's discretion.

[0031] On the monthly scholarship repayment due date, the trust bank 8 pays the scholarship repayment (scholarship repayment) for the scholarship recipient 2 designated by the repayment assistance provider 1 to the scholarship provider 4 from the trust deposit (step S11). In the embodiment of the present disclosure, for example, 10,000 yen is paid as repayment for one scholarship recipient 2 each month. Therefore, as described above, if one scholarship recipient 2 is employed by a company etc. 5, 360,000 yen of the placement fee received from the company etc. 5 is deposited as a trust deposit as a source of funds, and this source of funds is equivalent to three years' worth of repayments.

[0032] As described above, in the business model according to the embodiment of the present disclosure, the repayment assistance business operator 1 carries out a repayment business on behalf of the scholarship recipient 2.

[0033] [Information Processing Systems] Next, an example of an information processing system according to an embodiment of the present disclosure will be described with reference to FIG.

[0034] The information processing system 10 according to an embodiment of the present disclosure is composed of, for example, a repayment assistance terminal device 100 provided at a repayment assistance business operator 1, a terminal device 200 owned by a scholarship recipient 2, a terminal device 300 provided at a university etc. 3, a terminal device 400 provided at a scholarship provider 400, a terminal device 500 provided at a company etc. 5, a terminal device 600 provided at a licensing company etc. 6, and a terminal device 800 provided at a trust bank.

[0035] The terminal device 100 communicates with the other terminal devices 200 to 800 via a communication network NW. The communication network NW is made up of, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0036] Each of the terminal devices 100 to 800 is an information processing device, such as a personal computer, a smartphone, a tablet terminal, etc. Each of the terminal devices 100 to 800 is an information processing device configured with a CPU, storage, ROM, RAM, input / output I / F, a communication unit, a display unit, etc. Note that information processing devices are well-known technologies, so detailed description thereof will be omitted.

[0037] [Configuration of terminal device 100] The terminal device 100 provided at the repayment assistance business operator 1 functions as a repayment assistance processing unit 110. The repayment assistance processing unit 110 executes the repayment assistance processing by having a processor such as a CPU execute a repayment assistance processing program. The repayment assistance processing unit 110 is composed of a scholarship student management unit 111, a proxy repayer management unit 112, a pooled fund management unit 113, and an allocation processing unit 114.

[0038] The scholarship recipient management department 111 manages scholarship recipients 2 who are registered as members (see Figure 3(a)), and manages the job-hunting status of scholarship recipients 2 until they are employed by companies 5 introduced by the repayment support provider 1 (see Figure 3(b)).

[0039] The proxy repayment management unit (proxy repayment registration means, proxy repayment reduction means) 112 manages scholarship recipients 2 who have been employed by companies etc. 5 introduced by repayment assistance business operators 1 as proxy repayment recipients (see Figure 4(a)). It also manages the proxy repayments of scholarship recipients 2 who are managed as proxy repayment recipients (see Figure 4(b)). It also manages the status of proxy repayment support for scholarship recipients 2 who are managed as proxy repayment recipients (see Figure 4(c)).

[0040] The pooled money management unit (allocation pooled money registration means, allocation money aggregation means, allocation money addition means) 113 manages the pooled money to be distributed to the scholarship recipients 2 who are the subject of proxy repayment. The pooled money management unit 113 manages the current total amount of pooled money and the history of deposits and withdrawals of pooled money (see Figures 5(a) and (b)).

[0041] The distribution processing unit (distribution calculation means) 114 performs processing to distribute pooled funds to scholarship recipients 2 who are the subject of proxy repayment.

[0042] [Information managed by the return assistance processing unit 110] Here, the information managed by the return support processing unit 110 will be described with reference to FIGS.

[0043] First, Figure 3(a) is an example of a member registration management screen that displays member information that indicates member information managed by the scholarship recipient management unit 111 in the repayment assistance processing unit 110. As shown in this figure, the scholarship recipient management unit 111 manages, for each scholarship recipient 2, the member number (member ID), name, name of the school currently attended (or name of the company currently employed), name of the scholarship company that is providing the scholarship, and member attribute information (address, gender, age, telephone number, email address, etc.).

[0044] 3(b) is an example of a job hunting status management screen that displays job hunting status information showing the job hunting status of members managed by the scholarship recipient management unit 111. As shown in this figure, the scholarship recipient management unit 111 manages, for each scholarship recipient 2, the member number (member ID), name, name of the school currently attended (or name of the company currently employed), and employment status at the companies introduced by the repayment support business 1.

[0045] 4(a) is an example of a proxy return recipient management screen that displays proxy return recipient information showing information about proxy return recipients managed by the proxy return management unit 112 in the return assistance processing unit 110. As shown in this figure, the proxy return management unit 112 manages, for each proxy return recipient, the member number (member ID), name, name of the company where the person is employed, date of joining, employment confirmation result, employment confirmation date, and period of employment at the company, etc.

[0046] When scholarship recipient 2 finds employment at a company introduced by repayment assistance business operator 1, proxy repayment management unit 112 registers this scholarship recipient 2 as a proxy repayment recipient. Here, scholarship recipient 2, who has been managed by scholarship recipient management unit 111 until now, is now managed by proxy repayment management unit 112 as a proxy repayment recipient. Note that the member ID is not changed from the member ID assigned when scholarship recipient 2 registered as a member. Therefore, for example, a person in charge can search by member ID to extract and display the entire history of that member ID, or extract and display only some of the information.

[0047] 4(b) is an example of a proxy refund management screen that displays proxy refund information showing the breakdown of proxy refunds for proxy refund recipients managed by the proxy refund management unit 112. The proxy refund management unit 112 manages the membership number (member ID), name, and proxy refund breakdown for each proxy refund recipient. It also manages the proxy refund breakdown including the amount of proxy refunds made up to the present time (refund amount), the remaining amount of proxy refunds made to the present time (remaining amount), the source of the proxy refund (source amount), and the amount allocated (allocated amount).

[0048] 4(c) is an example of a support status management screen that displays support status information showing the support status of a proxy return recipient managed by the proxy return management unit 112. The proxy return management unit 112 manages the membership number (member ID), name, support period, etc. for each proxy return recipient. It also manages the support period, including the current supportable period for the proxy return recipient, the support period up to the current time, the current remaining support period (remaining period), the basic support period (basic period), and the additional support period (additional period).

[0049] Here, for example, if the original funds based on the referral fees received from a company etc. 5 are 360,000 yen, and 10,000 yen is paid to the scholarship provider 4 as a monthly repayment, the basic period will be 36 months. The additional period is the period during which additional support is possible due to the additional repayments made in accordance with the amount of the allocation made in the pooled funds allocation process (see Figure 7) described below. For example, if the amount allocated up to the present time is 90,000 yen, the monthly repayment to be paid is 10,000 yen, so the additional period will be 9 months. The available support period is the sum of the basic period and the additional period, and the remaining period is the available support period minus the support period.

[0050] 5(a) is an example of a pooled money management screen that displays pooled money total information showing the current total amount of pooled money managed by the pooled money management unit 113 in the repayment assistance processing unit 110. The pooled money management unit 113 manages the current total amount of pooled money (pooled money total) and a breakdown of the pooled money. The breakdown of the pooled money managed includes the remaining amount of retirees (remaining amount of scholarship repayment subsidy) from the time of subtraction of the allocated amount in the pooled money distribution process (see FIG. 7) described below to the present time, license fees, donations, and carryover funds. The carryover funds are the amount remaining after subtracting the allocated amount in the pooled money distribution process (see FIG. 7) described below.

[0051] FIG. 5(b) is an example of a pooled money deposit / withdrawal history management screen displaying pooled money deposit / withdrawal history information showing the history of pooled money deposits and withdrawals to date managed by the pooled money management unit 113 in the refund support processing unit 110. The pooled money management unit 113 manages the date of the deposit or withdrawal, major category, minor category, transaction amount, and counterparty. Major categories, such as deposit, allocation, and withdrawal (resignation), are entered as information indicating the nature of the pooled money transaction. Minor categories, such as license fees, funding, retiree balances, and donations, are entered as information indicating the details of the pooled money transaction. The total amount based on the history of pooled money deposits and withdrawals to date will match the pooled money total shown in FIG. 5(a). The total amount for each minor category from the last allocation to the present is the sum of the breakdown corresponding to each minor category shown in FIG. 5(a).

[0052] [Return Assistance Processing] Next, an example of the return assistance process executed by the return assistance processing unit 110 will be described with reference to FIGS.

[0053] FIG. 6 is a flowchart showing an example of the return assistance process.

[0054] First, in step S11, the repayment assistance processing unit 110 determines whether or not scholarship recipient 2 has applied to join. If the repayment assistance processing unit 110 determines that scholarship recipient 2 has applied to join (YES), it proceeds to step S12. On the other hand, if the repayment assistance processing unit 110 determines that scholarship recipient 2 has not applied to join (NO), it proceeds to step S13. Scholarship recipient 2 who wishes to join can apply for membership by, for example, accessing the website of repayment assistance provider 1 and entering the information required for member registration on a member registration screen.

[0055] If the repayment assistance processing unit 110 determines that the scholarship recipient 2 has applied to join (S11: YES), the repayment assistance processing unit 110 performs registration processing in step S12 to register the scholarship recipient 2 as a member using the scholarship recipient management unit 111.

[0056] In step S12, the scholarship recipient management unit 111 displays the details of the membership application entered on the membership registration screen. Here, the content of the membership application is confirmed by a person in charge at the repayment assistance business operator 1. If the person in charge determines that there are no problems with membership after confirmation, the scholarship recipient management unit 111 registers the member information of the scholarship recipient 2 who has applied for membership as a member in accordance with the registration operation performed by the person in charge (see Figure 3(a)). When the registration process by the scholarship recipient management unit 111 is completed, the repayment assistance processing unit 110 terminates the repayment assistance process.

[0057] Next, in step S13, the repayment assistance processing unit 110 determines whether or not scholarship recipient 2 has applied to withdraw. If the repayment assistance processing unit 110 determines that scholarship recipient 2 has applied to withdraw (YES), the processing proceeds to step S14. On the other hand, if the repayment assistance processing unit 110 determines that scholarship recipient 2 has not applied to withdraw (NO), the processing proceeds to step S15. Scholarship recipient 2 who wishes to withdraw can, for example, access the website of repayment assistance provider 1 and apply for withdrawal using the withdrawal procedure screen.

[0058] If the repayment assistance processing unit 110 determines that scholarship recipient 2, who is a member, has applied to withdraw from membership (S13: YES), then in step S14, the scholarship recipient management unit 111 performs the withdrawal process for scholarship recipient 2. Here, after the content of the withdrawal request has been confirmed by a person in charge, etc., in response to the withdrawal operation by the person in charge, etc., the scholarship recipient management unit 111 deletes the membership information of scholarship recipient 2 who has applied to withdraw from membership. When the withdrawal process by scholarship recipient management unit 111 has been completed, the repayment assistance processing unit 110 ends the repayment assistance process.

[0059] In addition, the flowchart of the repayment assistance process shown in Figure 6 omits the process of updating the job hunting status of members managed by the scholarship recipient management unit 111, but if there is progress in the job hunting status of each member, the job hunting status information will be updated appropriately by the person in charge during this repayment assistance process (see Figure 3(b)).

[0060] Next, in step S15, repayment assistance processing unit 110 determines whether or not an introduction fee has been received from the company 5 where the introduced scholarship recipient 2 has been employed. If repayment assistance processing unit 110 determines that an introduction fee has been received (YES), it proceeds to step S16. On the other hand, if repayment assistance processing unit 110 determines that an introduction fee has not been received (NO), it proceeds to step S17.

[0061] 6, the process of registering a member managed by the proxy repayment management unit 112 as a proxy repayment recipient is omitted, but if a member scholarship recipient 2 is employed by a company or the like 5, this scholarship recipient 2 is registered as a proxy repayment recipient. In this repayment assistance process, the person in charge or the like registers this as proxy repayment recipient information as appropriate (see FIG. 4(a)).

[0062] If the repayment assistance processing unit 110 determines that the referral fee has been deposited (YES), the proxy repayment management unit 112 performs a source fund deposit process in step S16. Here, if a person in charge checks the bank account of the repayment assistance business operator 1 and confirms the deposit of the referral fee, the repayment assistance processing unit 110 deposits a portion or all of the amount as a source fund trust deposit with the trust bank 8. The repayment assistance processing unit 110 also registers the source fund amount in the proxy repayment information of the proxy repayment recipient to whom the referral fee has been deposited (see FIG. 4(b)). In an embodiment of the present disclosure, if the introduced scholarship recipient 2 is employed by a company 5, the repayment assistance processing unit 110 deducts an administrative fee from the referral fee received from the company 5, and deposits, for example, 360,000 yen as a source fund trust deposit with the trust bank 8 as the source fund of the scholarship repayment subsidy for the scholarship recipient 2, and also registers the amount as the source fund amount for the proxy repayment recipient. When the source fund deposit process is completed, the repayment assistance processing unit 110 terminates the repayment assistance process.

[0063] Next, in step S17, the return support processing unit 110 determines whether or not there has been a license fee from the licensing company, etc. 6, or a deposit (deposit of license fee, etc.) from a donation or funding from a supporter, etc. 7. If the return support processing unit 110 determines that there has been a deposit of license fee, etc. (YES), the process proceeds to step S19. On the other hand, if the return support processing unit 110 determines that there has not been a deposit of license fee, etc. (NO), the process proceeds to step S18.

[0064] Next, in step S18, the repayment assistance processing unit 110 determines whether the scholarship recipient 2 who has been employed by a company, etc. 5 has left this company, etc. If the repayment assistance processing unit 110 determines that the scholarship recipient 2 has left the company, etc. 5 (YES), the processing proceeds to step S19. On the other hand, if the repayment assistance processing unit 110 determines that the scholarship recipient 2 has not left the company, etc. 5 (NO), the processing proceeds to step S20.

[0065] If the repayment assistance processing unit 110 determines in step S17 that license fees, etc. have been deposited (YES), or if it determines in step S18 that scholarship recipient 2 has left company 5, etc. (YES), then in step S19, the pooled money management unit 113 performs pooled money processing. Here, if the person in charge, etc. confirms that license fees, etc. have been deposited, a predetermined amount, obtained by subtracting administrative fees from the received license fees, etc., is deposited as a trust deposit for pooled money with trust bank 8 as pooled money to be added to the source of the scholarship repayment subsidy for scholarship recipient 2. In addition, the person in charge, etc. registers the predetermined amount, obtained by subtracting administrative fees from license fees, etc., as the amount added to the pooled money as pooled money deposit and withdrawal history information (see Figure 5(b)), and the total pooled money information is updated in conjunction with this registration (see Figure 5(a)).

[0066] Furthermore, when a person in charge or the like confirms that scholarship recipient 2 has left company 5 or the like, in response to the removal operation by the person in charge or the like, the remaining amount of the scholarship repayment subsidy associated with this scholarship recipient 2 is calculated (for example, remaining period x 10,000 yen) and registered as pooled money deposit and withdrawal history information (see Figure 5(b)), and the total pooled money information is updated in conjunction with this registration (see Figure 5(a)). When pooled money processing by pooled money management unit 113 is completed, repayment assistance processing unit 110 terminates repayment assistance processing.

[0067] Next, in step S20, the repayment assistance processing unit 110 determines whether it is the scholarship repayment deadline (a deadline set each month). If the repayment assistance processing unit 110 determines that it is the scholarship repayment deadline (YES), it proceeds to step S21. On the other hand, if it determines that it is not the scholarship repayment deadline (NO), it proceeds to step S22.

[0068] If the repayment assistance processing unit 110 determines in step S20 that the scholarship repayment due date has arrived (YES), then in step S21 the proxy repayment management unit 112 performs scholarship repayment processing. Here, for example, information about the scholarship recipient 2 registered as the proxy repayment recipient (such as name and registration ID with the scholarship provider 4), information about the scholarship provider 4 (such as business name and bank account), and information indicating the repayment amount (10,000 yen) are sent to the trust bank 8 as scholarship repayment payment request information. Based on the sent scholarship repayment payment request information, the repayment amount and remaining amount in the proxy repayment information are updated (see FIG. 4(b)), and the support period and remaining period in the support status information are updated. When the scholarship repayment processing by the proxy repayment management unit 112 is completed, the repayment assistance processing unit 110 terminates the repayment assistance processing.

[0069] Upon receiving the request information for scholarship repayment, the trust bank 8 pays the scholarship repayment (scholarship repayment) for the scholarship recipient 2 to the designated scholarship provider 4 from the trust deposit of the repayment assistance provider 1.

[0070] Next, in step S22, the return assistance processing unit 110 determines whether or not it is the pooled money distribution due date. If the return assistance processing unit 110 determines that it is the pooled money distribution due date (YES), it proceeds to step S23. On the other hand, if it determines that it is not the pooled money distribution due date (NO), it ends the return assistance processing. In an embodiment of the present disclosure, the pooled money distribution due date occurs, for example, every three months.

[0071] If the return support processing unit 110 determines in step S22 that it is the pooled money distribution due date (YES), the distribution processing unit 114 performs pooled money distribution processing in step S23.

[0072] FIG. 7 is a flowchart showing an example of the pooled money distribution process.

[0073] First, in step S231, the distribution processing unit 114 refers to the total amount (PA) of the pooled money that has been pooled since the previous pooled money distribution. Here, the distribution processing unit 114 refers to the total amount of pooled money in the total pooled money information (see FIG. 5(a)).

[0074] Next, in step S232, the allocation processing unit 114 counts the number of proxy return recipients (HM) who have been registered for three months or more. Here, the allocation processing unit 114 refers to the period of enrollment in the proxy return recipient information, and counts the number of proxy return recipients who have been enrolled for three months or more (see FIG. 5(a)).

[0075] Next, in step S233, the distribution processing unit 114 calculates the distribution amount (AA) per proxy return recipient (AA=PA / HM).

[0076] Next, in step S234, the allocation processing unit 114 determines whether the allocation amount (AA) per proxy return recipient is 30,000 (30,000 yen) or more. If the allocation processing unit 114 determines that the allocation amount (AA) per proxy return recipient is 30,000 or more (YES), the processing proceeds to step S235. On the other hand, if the allocation processing unit 114 determines that the allocation amount (AA) per proxy return recipient is not 30,000 or more (NO), the pooled money allocation processing ends. Note that if the allocation processing unit 114 determines that the allocation amount (AA) per proxy return recipient is not 30,000 or more, the pooled money will not be distributed to the proxy return recipients in this pooled money distribution processing, and the pooled money will be carried over until the next pooled money distribution due date.

[0077] If the allocation processing unit 114 determines that the allocation amount (AA) per proxy repayment recipient is 30,000 or more (YES), then in step S235 the allocation processing unit 114 adds three months to the additional support period (additional period) in the support status information of proxy repayment recipients who have been registered for three months or more (see Figure 4(c)), and adds 30,000 yen to the allocation amount in the proxy repayment information of proxy repayment recipients who have been registered for three months or more (see Figure 4(b)). Note that if there are any proxy repayment recipients with less than three months remaining in the proxy repayment period of their scholarship, the allocation amount in the proxy repayment information of the proxy repayment recipient will be increased by 10,000 yen or 20,000 yen to match this remaining period.

[0078] Next, in step S236, the allocation processing unit 114 calculates the remaining pool amount after allocation and registers it as carried over funds (KK). Here, the allocation processing unit 114 calculates the remaining pool amount after allocation by subtracting the total allocation amount obtained by multiplying the number of people to whom this allocation will be made (the number of proxy return recipients who have been registered for three months or more) by the allocation amount (30,000 yen) from the total pool amount (PA). Then, the remaining pool amount is registered as carried over funds (KK) in the total pool amount information (see Figure 5(a)).

[0079] Next, in step S237, the distribution processing unit 114 calculates the capital addition amount by subtracting the remaining amount of the retiree, which is a breakdown of the total pooled amount (PA), from the current distribution amount (30,000 x HM). Then, it performs a process to transfer (add) the capital addition amount from the trust deposit for pooled money to the trust deposit for capital, at the trust bank 8. By performing this process, the trust deposit for capital is increased by the capital addition amount. After processing step S237, the distribution processing unit 114 terminates the pooled money distribution process.

[0080] Returning to FIG. 6, when the pooled money distribution process in the distribution process unit 114 is completed, the return assistance process unit 110 ends the return assistance process.

[0081] As described above, according to an embodiment of the present disclosure, as the scholarship repayment subsidy project is implemented, the remaining amount of the proxy repayments made by scholarship recipients who have been employed by a company through this project and who then resign from the company can be distributed to registered scholarship recipients. Furthermore, according to an embodiment of the present disclosure, it is possible to extend the period for proxy scholarship repayment beyond the initial period. Therefore, scholarship recipients who wish to reduce the burden of scholarship repayment, even if only slightly, can further reduce the burden by registering with a scholarship repayment assistance provider that operates an embodiment of the present disclosure and finding employment at a company or the like introduced by this provider. Furthermore, for companies that employ scholarship recipients, partnering with this provider can lead to increased corporate value as a company that actively implements Sustainable Development Goals (SDGs) (e.g., Sustainable Development Goals 1, 4, 8, and 10).

[0082] Although the embodiments of the present disclosure have been described above, the present disclosure is not limited to the embodiments, and various modifications and changes are possible within the scope of the gist of the present disclosure described in the claims.

[0083] [Other embodiments] Here, the following notes are further disclosed regarding the embodiments of the present disclosure.

[0084] [Appendix 1] a proxy repayment registration means for registering part or all of the introduction fee received from a business where a scholarship recipient is employed by introducing the scholarship recipient to the business as proxy repayment amount information indicating the proxy repayment amount for the scholarship recipient, in association with the registrant information indicating the scholarship recipient; a proxy refund reduction means for reducing the proxy refund information associated with the registrant information by the proxy refund and registering the reduced amount; a deregistration means for deregistering the registrant information; a pooled fund registration means for registering the proxy refund information associated with the deregistered registrant information as pooled fund information; a distribution pool totaling means for totaling distribution pool total information indicating the total of the distribution pool based on the distribution pool information; a distribution calculation means for calculating distribution information per registrant by subtracting the number of registrants registered from the total distribution pool information; a distribution amount adding means for adding the distribution amount information to the proxy refund amount information associated with the registrant information; An information processing device comprising:

[0085] [Appendix 2] 1. A computer-implemented information processing method, comprising: a proxy repayment registration step of registering part or all of the introduction fee received from the business where the scholarship recipient is employed by introducing the scholarship recipient to the business as proxy repayment amount information indicating the proxy repayment amount for the scholarship recipient, in association with the registrant information indicating the scholarship recipient; a proxy refund reduction step of reducing the proxy refund information associated with the registrant information by the proxy refund and registering the reduced amount; a deregistration step of deregistering the registrant information; a pooled fund registration step of registering the proxy refund information associated with the deregistered registrant information as pooled fund information for distribution; a distribution pool total calculation step of calculating distribution pool total information indicating the total of the distribution pool based on the distribution pool information; a distribution calculation step of calculating distribution information per registrant by subtracting the number of registrants registered from the total distribution pool information; a distribution amount addition step of adding the distribution amount information to the proxy refund amount information associated with the registrant information; An information processing method comprising:

[0086] [Appendix 3] a proxy repayment registration procedure for registering part or all of the referral fee received from a business where a scholarship recipient is employed by introducing the scholarship recipient to the business as proxy repayment amount information indicating the proxy repayment for the scholarship related to the scholarship recipient, in association with the registrant information indicating the scholarship recipient; a proxy refund reduction procedure for reducing the proxy refund information associated with the registrant information and registering the reduced amount as a result of the proxy refund; a deregistration procedure for deregistering the registrant information; a allocation pool registration procedure for registering the proxy refund information associated with the deregistered registrant information as allocation pool information; a distribution pool fund total calculation step of calculating distribution pool fund total information indicating the total of the distribution pool fund based on the distribution pool fund information; a distribution calculation step of calculating distribution information per registrant by subtracting the number of registrants registered from the total distribution pool information; a distribution amount addition step of adding the distribution amount information to the proxy refund amount information associated with the registrant information; An information processing program that causes a computer to execute the above.

[0087] [Variations] In the embodiment of the present disclosure, steps S12, S14, S16, S19, etc. in the return assistance process shown in Figure 6 involve processes involving personnel, etc. However, this is not limited to this, and some or all of these processes may be executed by a computer. In such a case, the processes may be executed using artificial intelligence, etc., that has been trained by machine learning.

[0088] In the embodiment of the present disclosure, the proxy return management unit 112 manages the details of the proxy return amount of the proxy return recipient (see FIG. 4(b)). However, this is not limited to this, and for example, it may manage only the remaining amount, or it may manage the remaining amount and other amounts.

[0089] Furthermore, in an embodiment of the present disclosure, the proxy return management unit 112 manages proxy return information showing the breakdown of the proxy return amount of the proxy return recipient (see FIG. 4(b)). However, this is not limited to this, and it is also possible not to manage this proxy return information. Even in such a case, it is possible to calculate the breakdown of the proxy return amount of the proxy return recipient at the current time (for example, remaining amount = remaining period 28 months x 10,000 yen) based on the support status information (FIG. 4(c)) showing the support status of the proxy return recipient managed by the proxy return management unit 112.

[0090] Furthermore, in the embodiment of the present disclosure, the proxy return management unit 112 manages the support status information of the proxy return recipient (see FIG. 4(c)). However, this is not a limitation, and it is also possible not to manage this support status information. Even in such a case, it is possible to calculate the current support status information of the proxy return recipient (for example, remaining period = remaining amount 280,000 yen / 10,000 yen) based on the proxy return information (FIG. 4(b)) that shows the breakdown of the proxy return amount of the proxy return recipient managed by the proxy return management unit 112.

[0091] In the embodiment of the present disclosure, the trust deposit for the pooled money is deposited separately from the trust deposit for the proxy refund. However, this is not limited to this, and the proxy refund and the pooled money may be deposited together.

[0092] The technology of the present disclosure can be embodied in various forms, such as an information processing system, an information processing device, an information processing method, a program, or a recording medium. For example, a program for realizing the software may be provided as a non-transitory computer-readable recording medium, or may be provided as a downloadable program from an external server. Alternatively, the program may be provided by cloud computing, in which an external computer (e.g., a cloud server) starts an order processing program and the functions of the return assistance processing unit 110 are realized on a client terminal. [Explanation of symbols]

[0093] 100 Terminal Device 110 Return Assistance Processing Department 111 Scholarship Recipient Management Department 112 Agent Return Management Department 113 Pool Management Department 114 Allocation processing unit

Claims

1. a proxy repayment registration means for registering part or all of the amount received by the scholarship recipient from the business where the scholarship recipient is employed as proxy repayment information for the proxy repayment of the scholarship related to the scholarship recipient in association with scholarship recipient information that can identify the scholarship recipient; a proxy refund reduction means for reducing the proxy refund information by proxy refund; a deregistration means for deregistering the scholarship recipient information; a pooled fund allocation registration means for registering proxy repayment information associated with the scholarship recipient information whose registration has been cancelled as pooled fund allocation information; a distribution fund totalization means for totalizing distribution pool fund total information based on the distribution pool fund information; an allocation calculation means for calculating allocation information per scholarship recipient by subtracting the number of registered scholarship recipients from the total allocation pool information; a distribution amount adding means for adding the distribution amount information in association with the scholarship recipient information; An information processing device comprising:

2. The distribution amount calculation means Calculate the distribution information for each scholarship recipient based on the time of the predetermined calculation. The information processing device according to claim 1 .

3. The distribution amount adding means If the allocation information per scholarship recipient is equal to or greater than a predetermined allocation allowance, the amount is added in association with the scholarship recipient information.

3. The information processing device according to claim 1.

4. The allocation pool registration means Registering part or all of the license fees received from the licensee as the distribution pool information 3. The information processing device according to claim 1.

5. The allocation pool registration means Registering a part or all of the support money received from the supporters as the distribution pool information 3. The information processing device according to claim 1.

6. The distribution amount calculation means When calculating the distribution information per scholarship recipient, the calculation is performed for scholarship recipients whose registration period is equal to or longer than a predetermined period.

3. The information processing device according to claim 1.

7. 1. A computer-implemented information processing method, comprising: a proxy repayment registration step of registering part or all of the amount received by the scholarship recipient from the business where the scholarship recipient is employed as proxy repayment information for proxy repayment of the scholarship related to the scholarship recipient in association with scholarship recipient information that can identify the scholarship recipient; a proxy refund reduction step of reducing the proxy refund information by proxy refund; a deregistration step of deregistering the scholarship recipient information; a allocation pool registration step of registering proxy repayment information associated with the scholarship recipient information whose registration has been cancelled as allocation pool information; a distribution fund summation step of summarizing distribution pool fund total information based on the distribution pool fund information; an allocation calculation step of calculating allocation information per scholarship recipient by subtracting the number of registered scholarship recipients from the total allocation pool information; a distribution amount addition step of adding the distribution amount information in association with the scholarship recipient information; An information processing method comprising:

8. a proxy repayment registration procedure for registering part or all of the amount received by the scholarship recipient from the business where the scholarship recipient is employed as proxy repayment information for the proxy repayment of the scholarship related to the scholarship recipient in association with scholarship recipient information that can identify the scholarship recipient; a proxy refund reduction procedure for reducing the proxy refund information by proxy refund; a deregistration procedure for deregistering the scholarship recipient information; a allocation pool registration procedure for registering proxy repayment information associated with the scholarship recipient information whose registration has been cancelled as allocation pool information; a distribution fund summation step of summarizing distribution pool fund total information based on the distribution pool fund information; an allocation calculation step of calculating allocation information per scholarship recipient by subtracting the number of registered scholarship recipients from the total allocation pool information; a distribution amount addition step of adding the distribution amount information in association with the scholarship recipient information; An information processing program that causes a computer to execute the above.

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