Program, information processing device, information processing method and information processing system

Abstract

To provide a technology that supports the settlement of an item purchase using a settlement card associated with a user who belongs to an organization. [Solution] The program causes a computer 200 to function as an authorization information acquisition unit 21 that acquires authorization information for settling an item purchase using a payment card associated with a user belonging to an organization, a credit information acquisition unit 23 that acquires credit information of the user associated with the payment card, which is credit information set by the organization, a credit judgment unit 33 that determines whether the payment amount for the item purchase is within the credit range corresponding to the credit information based on the authorization information and the credit information, and an amount information generation unit 37 that generates amount information regarding the amount to be charged to the user based on the judgment result regarding the payment amount.

Description

[Technical Field]

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

[0002] Conventionally, there is known a technology for conducting credit transactions using the amount of salary to be paid to a worker as a credit limit. For example, Patent Document 1 discloses that it is possible to conduct credit transactions in which the payment for a worker's purchase of goods is paid in advance based on the amount of salary to be paid to the worker. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2016-177803 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the technology described in Patent Document 1 does not take into consideration the use of credit cards held by company employees to pay for item purchases.

[0005] The present disclosure provides techniques that support payment for item purchases using payment cards associated with users who belong to an organization. [Means for solving the problem]

[0006] A program according to one aspect of the present disclosure causes a computer to function as an authorization information acquisition unit that acquires authorization information for paying for an item purchase using a payment card associated with a user belonging to an organization; a credit information acquisition unit that acquires credit information of the user associated with the payment card, which is credit information set by the organization; a credit judgment unit that determines, based on the authorization information and the credit information, whether the payment amount for the item purchase is within a credit range corresponding to the credit information; and an amount information generation unit that generates amount information regarding the amount to be charged to the user based on the judgment result regarding the payment amount.

[0007] An information processing device according to another aspect of the present disclosure includes an authorization information acquisition unit that acquires authorization information for paying for an item purchase using a payment card associated with a user belonging to an organization; a credit information acquisition unit that acquires credit information of the user associated with the payment card, which is credit information set by the organization; a credit determination unit that determines whether the payment amount for the item purchase is within a credit range corresponding to the credit information based on the authorization information and the credit information; and an amount information generation unit that generates amount information regarding the amount to be charged to the user based on the determination result regarding the payment amount.

[0008] Another aspect of the present disclosure relates to an information processing method in which a computer performs the following steps: obtains authorization information for paying for an item purchase using a payment card associated with a user belonging to an organization; obtains credit information for the user associated with the payment card, the credit information being set by the organization; determines, based on the authorization information and the credit information, whether the payment amount for the item purchase is within a credit range corresponding to the credit information; and generates amount information regarding the amount to be charged to the user based on the determination result regarding the payment amount.

[0009] Another aspect of the present disclosure is an information processing system comprising an information processing device and a user terminal device operated by a user belonging to an organization, wherein the information processing device comprises: an authorization information acquisition unit that acquires authorization information for settling an item purchase using a payment card associated with the user; a credit information acquisition unit that acquires credit information of the user associated with the payment card, which is credit information set by the organization; a credit judgment unit that determines whether the payment amount for the item purchase is within a credit range corresponding to the credit information based on the authorization information and the credit information; and an amount information generation unit that generates amount information regarding the amount to be charged to the user based on the judgment result regarding the payment amount, and the user terminal device comprises an output unit that outputs the acquired amount information when the amount information is acquired. [Effects of the Invention]

[0010] According to the present disclosure, it is possible to support payment for the purchase of items using a payment card associated with a user belonging to an organization. [Brief explanation of the drawings]

[0011] [Figure 1] 1 is a conceptual diagram of an information processing system according to an embodiment of the present invention. [Figure 2] FIG. 2 is a diagram illustrating an example of a functional configuration of an information processing device according to the present embodiment. [Figure 3] FIG. 10 is a diagram illustrating an example of a user information table according to the embodiment. [Figure 4] FIG. 10 is a diagram illustrating an example of a card information table according to the embodiment. [Figure 5] FIG. 10 is a diagram illustrating an example of a store-related information table according to the embodiment. [Figure 6] FIG. 4 is a diagram showing an example of an item information table according to the present embodiment. [Figure 7] FIG. 10 is a diagram showing an example of a card usage management table according to the embodiment. [Figure 8] 10 is a flowchart illustrating an example of amount information generation processing in the information processing device according to the present embodiment. [Figure 9] 10 is a flowchart illustrating another example of the amount information generation process of the information processing device according to the embodiment. [Figure 10] 10 is a flowchart illustrating another example of the amount information generation process of the information processing device according to the embodiment. [Figure 11] 10 is a flowchart illustrating another example of the amount information generation process of the information processing device according to the embodiment. [Figure 12] FIG. 10 is a diagram showing an example of a top screen of a welfare support service according to the present embodiment. [Figure 13] FIG. 10 is a diagram showing an example of a shopping screen for an employee welfare support service according to the present embodiment. [Figure 14] FIG. 10 is a diagram showing an example of an item display area of ​​a shopping screen according to the embodiment. [Figure 15] FIG. 2 is a diagram illustrating an example of the hardware configuration of each device in the information processing system according to the present embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0012] <Summary> Conventionally, there are known technologies, such as the technology described in Patent Document 1, that enable credit transactions in which a worker advances payment for a product purchase based on the worker's planned salary. As described above, such conventional technologies do not take into consideration the use of credit cards held by employees of a company to pay for item purchases. Therefore, with the technology described in Patent Document 1, it is difficult to pay for item purchases using a payment card associated by an organization with a user who belongs to the organization.

[0013] Therefore, the information processing system 100 according to this embodiment acquires authorization information for paying for an item purchase using a payment card associated with a user belonging to an organization. The information processing system 100 acquires credit information for the user associated with the payment card, which is set by the organization. Based on the authorization information and the credit information, the information processing system 100 determines whether the payment amount for the item purchase is within a credit range corresponding to the credit information. Based on the determination result regarding the payment amount, the information processing system 100 generates amount information regarding the amount to be charged to the user.

[0014] In this way, the information processing system 100 can support payments for item purchases using a payment card associated with a user who belongs to an organization. More specifically, the information processing system 100 can generate amount information regarding the amount to be charged to the user based on the determination result of whether the payment amount for the item purchase is within the credit range corresponding to the credit information. Furthermore, the credit information of the user associated with the payment card is set by the organization. Therefore, the organization's intentions (e.g., personnel strategy) regarding items that users are allowed to use as part of the employee benefit support service can be reflected in the setting of credit information for each user.

[0015] An "item" may be a specific service and / or product that an employee (user) of an organization (e.g., including organizations such as a company, a university, a local government, and a labor union) can receive by using the employee benefit support service, or a service and / or product that an employee can receive by paying for it, or a service and / or product for which an employee can receive a discount. An "item" includes, for example, a "welfare item." A "welfare item" indicates an employee benefit adopted by a company, and may be a specific service and / or product that an employee can use and / or a product that an employee can purchase, or a service and / or product that an employee can receive by paying for it, or a service and / or product for which an employee can receive a discount. Note that a "welfare item" may be an item for which the company covers at least a portion of the purchase cost.

[0016] In one example, the items may be services such as seminars on presentation key points, coaching, programming courses, language courses, SaaS that contribute to improving work efficiency, news apps, video learning services, travel, housekeeping services, meal support, and babysitting. In another example, the items may be goods such as health foods, exercise equipment, cleaning supplies, electrical appliances, and clothing. The items may further include information about stores that sell the above services or goods (e.g., store names, store categories).

[0017] An item may be a service and / or product identified by a specific offering name, sales name, and / or trademark, etc. Examples of services and / or products identified by a specific offering name, sales name, and / or trademark, etc. may be "ChatGPT" (registered trademark, an example of SaaS that contributes to business efficiency) and "Roomba" (registered trademark, an example of an electrical appliance).

[0018] The item may be an in-company program that financially supports employees. The item may be, for example, a book purchase subsidy, a travel subsidy, a movie discount, a rent subsidy, or a stock investment program. A company employee may be able to select in advance which of a plurality of services, goods, and programs will be the item via a terminal device operated by the employee.

[0019] A "payment card" is a payment card associated by an organization with a user belonging to the organization, and may include, for example, a credit card, a prepaid card, etc.

[0020] "Authorization information" can also be referred to as information for requesting authorization (credit approval), and may include, for example, a card number, affiliated store identification information that can identify a store as an affiliated store of the card, and the purchase amount of the product (e.g., payment amount), etc. "Store" may include real stores and virtual stores (e.g., online stores).

[0021] "Credit information" includes information regarding the available credit limit, range of use, or upper limit of use of a payment card associated with a user. Credit information may also include salary information related to salary associated with each user. Credit information is, for example, information set by the organization to which the user belongs and can be changed as appropriate. Credit information may also include at least one of credit rate information related to a credit rate set by the organization and associated with each user, and credit amount information related to a credit amount set by the organization and associated with each user.

[0022] The following provides an overview of the employee benefit support service. The operator of the employee benefit support service acts as an issuer of the credit card used as a payment card, and the operator pays the sales amount at the affiliated store in advance in response to a request from the acquirer. The operator then bills the corresponding company (the company to which the employee holding the used credit card belongs) for the advanced sales amount. The company is billed, for example, at a predetermined time each month. An amount equivalent to the deduction of the discount may be excluded from the bill to the company. For example, the excluded amount may be borne by the operator of the employee benefit support service. Furthermore, a fee for using the employee benefit support service (amount borne by the company issuing the payment card) may be separately billed to the company by the operator. The fee for using the employee benefit support service may be charged each time the payment card is used, or for a predetermined number of times (e.g., two or more times) the payment card is used, or may be free. The fee for using the employee benefit support service may be a relatively small fee set at a predetermined period (e.g., monthly).

[0023] In this example, when a company is billed, usage status data for the corresponding credit card is provided to the company from an information processing device managed by the operator of the employee benefit support service. The usage status data includes, for example, the following information: ·User ID ·Date and time of use ·Credit Card Number Employee ID, employee name, and total amount for a specified period (amount does not necessarily have to be provided each time it is used.) Usage information (merchant and payment amount) Credit limit usage amount Discount amount - Amount used after reduction

[0024] This is merely an example, but each company may deduct the amount from the salaries paid to employees based on this information. For example, the amount of usage after deduction is tallied for each employee, and the total amount is the amount to be deducted, which is then deducted from each employee's salary. A screen for querying such usage data may be output on a company terminal device associated with the company. This screen may have the following functions, for example: - Ability to check credit limit usage status for each employee - Ability to check the credit limit usage status of the entire company

[0025] In this example, when a company makes a payment in response to a bill to the company, the outstanding balance of the corresponding credit card is updated. Specifically, in the usage data described above, the amount of use after deduction for each credit card is tallied, and the tallied amount is deducted from the outstanding balance of each credit card.

[0026] An overview of an information processing system 100 according to this embodiment will be described with reference to FIG. 1. The information processing system 100 illustratively includes an information processing device 1, an employee terminal device 3a used by employees (users) of a company (organization), and a staff member terminal device 3b used by a staff member of the company. The information processing device 1, the employee terminal device 3a, the staff member terminal device 3b, and an external system 4 different from the information processing system 100 are configured to be able to communicate with each other via a communication network N. Hereinafter, the staff member of the company and the employee of the company will be simply referred to as the "staff member" and the "employee," respectively. Hereinafter, when there is no particular distinction between the employee terminal device 3a and the staff member terminal device 3b or when they are referred to collectively, they may be simply referred to as the "terminal device 3."

[0027] The employee terminal device 3a is a terminal device 3 used by an employee. The staff member terminal device 3b is a terminal device 3 used by a staff member. When the terminal device 3 acquires amount information from the information processing device 1, it outputs the acquired amount information. The terminal device 3 is, for example, a smartphone, a personal computer, a tablet terminal, or a wearable terminal. The terminal device 3 has an input interface, an output interface, and a communication interface. The input interface is an interface through which the terminal device 3 accepts input from the user.

[0028] The input interface may be a touch panel, a microphone, a camera, a keyboard, a mouse, etc. The output interface is an interface for transmitting information to a user by means of images, sounds, etc. The output interface is an interface for realizing communication with other devices via a communication network N. The communication interface may be a wireless communication interface or a wired communication interface. The terminal device 3 may be able to access services provided by the information processing device 1 via, for example, a web browser, or may be able to access the services by installing dedicated software.

[0029] The information processing device 1 executes processing related to a technology that can easily determine whether the use of a welfare item associated with an advance payment application complies with organizational regulations. The information processing device 1 may be a server device in the case where the terminal device 3 is a client device. The information processing device 1 may also be a client device for an external system 4. The information processing device 1 may also be a cloud server device. Note that the information processing device 2 may be, for example, a device that includes one or more virtual or physical web server devices and one or more virtual or physical database server devices.

[0030] The external system 4 is configured, for example, by an EC server, a card payment terminal, etc. The external system 4, which serves as an acquirer, transmits, for example, authorization information, etc. to the information processing device 1 (for example, it may be transmitted via a payment network corresponding to the payment card).

[0031] <Functional configuration> Fig. 2 is a diagram illustrating an example of the functional configuration of an information processing device according to this embodiment. As shown in Fig. 2, the information processing device 1 includes a communication unit 11 that transmits and receives information to and from the terminal device 3 shown in Fig. 1 and an external system 4 via a communication network N, a control unit 12 that executes a payment support process to support the payment of an item purchase using a payment card associated by an organization with a user who belongs to the organization, and a recording unit 13 that records information for executing various processes for the payment support process and execution results of the various processes.

[0032] First, the following will provide an overview of each function of the information processing device 1. Note that the functions of the information processing device 1 are not limited to the following, and are merely examples. (1) A function to record the credit amount (credit information) for each employee of a payroll company (organization) that pays salaries to employees (users). (2) A function that compares the credit amount with the payment request from the credit card company that issues the credit card (payment card) to determine whether the payment can be made. (3) When generating billing information for payroll companies, this function calculates the billing information by taking into account the amount paid in advance by the issuer and the settlement management fee for the amount billed by the acquirer, and then sends the billing information to the payroll company. (4) A function to generate payroll deduction information regarding the amount of payroll deductions for each employee separately from the billing information to the payroll paying company and provide it to the payroll paying company. (The information processing device 1 may provide the payroll deduction information after processing it appropriately to conform to a specific payroll system adopted by the payroll paying company, for example.) (5) A function to record the rebate (discount) rate or the discount rate associated with a specific store in relation to the party that will bear the discount (e.g., affiliated store, issuer, payroll company). (6) A function to update burden information when generating payroll deduction amounts and when generating billing information for payroll companies. A discount amount may be subtracted from the payroll deduction amount, and the discount amount may be billed to the payer. For example, if an issuer purchases an item from a store at a 15% discount rate and sets a 10% discount rate for the payroll company (and its employees), the issuer may receive an amount equivalent to a commission for the 5% discount rate. (7) When the installment payment fee is set to be borne by the payroll company, a function to generate billing information regarding the amount to be billed to the payroll company and payroll deduction information, taking into account the burden. (8) A function to generate billing information regarding the amount to be billed to the payroll company, taking into account the loan amount, when the payroll company sets the amount exceeding the credit amount as a loan to the employee (for example, a maximum loan amount may be set). Here, if there is a loan, the credit amount may be increased first, and then billing information and payroll deduction information may be generated. The following describes in detail each function of the information processing device 1.

[0033] The recording unit 13 records a user information table UT related to employees of a company (organization) as users, a card information table CT related to credit cards, a store-related information table SRT related to stores, an item information table IT related to items, and a card usage management table CUT related to credit card usage management. The recording unit 13 may record at least some of the information contained in the user information table UT, card information table CT, store-related information table SRT, item information table IT, and card usage management table CUT in association with each other. Note that the above information recorded by the recording unit 13 may be pre-recorded in an external device (e.g., a predetermined database on the company side or on the external labor and personnel system side), and the information processing device 1 may be configured to acquire each piece of information each time. The following describes in detail the information contained in the user information table UT, card information table CT, store-related information table SRT, item information table IT, and card usage management table CUT.

[0034] Fig. 3 is a diagram showing an example of a user information table according to this embodiment. The user information table UT is managed, for example, in a table format, as shown in Fig. 3. In the user information table UT, an "organization ID" that identifies the company (organization) to which the employee belongs, and "basic information" including name, affiliation, address, contact information, etc. are managed in association with a "user ID" that identifies an individual employee (user). Note that the "basic information" is not limited to the above, and may include, for example, information regarding job type, position, grade, performance, years of service, gender, and family situation (for example, whether the employee is single or has children).

[0035] The user information table UT manages, in association with a "user ID," a "credit card number" indicating the number of the credit card associated with the employee, "salary information" regarding the salary that may be provided to the employee by the company, the employee's "credit information," and "discount information" regarding discounts that may be individually set for the employee's use of their credit card.

[0036] FIG. 4 is a diagram showing an example of a card information table according to this embodiment. The card information table CT manages information related to credit cards for employee benefit support services, and as shown in the figure, manages information such as a "user ID" identifying the user who holds the credit card, an "available credit limit" which is the credit limit (credit limit) granted to the credit card, and a "remaining balance" which is the total amount (total amount) of unsettled charges (before payment by the company), in association with a "credit card number" which identifies an individual credit card. In this example, credit cards for employee benefit support services are issued and managed by the operator of the employee benefit support service, who acts as the issuer. In addition, in this example, a maximum of one credit card is distributed to each user as an employee.

[0037] The credit limit granted to a credit card may be set based on, for example, the user's salary. For example, the available credit limit may be set as an amount corresponding to a predetermined percentage (e.g., 30%) of salary (e.g., monthly salary). The credit limit is not limited to a specific amount, but may be set as a credit ratio (credit rate), such as 0% of monthly salary or bonus. The available credit limit may be set manually by a company employee or the like. The available credit limit may be set, for example, via a screen displayed on the employee terminal device 3b shown in FIG. 1. It may also be set automatically based on the salary amount. Furthermore, the credit card balance is settled through payments made by the company. The salary is not limited to a monthly salary but may be a salary associated with a predetermined period. In this case, when the "credit information" included in the user information table UT shown in FIG. 3 is changed, the "available credit limit" data included in the card information table CT may be automatically changed. The credit information set by the company is associated with the credit card information associated with the employee. At least some of the information included in each table recorded by the recording unit 13 is interrelated, and a change in one piece of information can change the other piece of information. Furthermore, as an example of how a company can set a credit limit, the company may set a minimum and / or maximum level for the credit amount or credit ratio, and the employee may decide the specific amount or ratio. For example, (1) the company may set a minimum of 10,000 yen per month, and the employee may set it at their own discretion based on those conditions, or (2) the company may set it up to 20% of their maximum monthly salary, and the employee may set the ratio and / or amount at their own discretion based on those conditions. In such cases, the information processing device 1 may be equipped with a condition conformance determination function that determines whether the amount and / or ratio set by the employee is within the range of the conditions set by the company.

[0038] FIG. 5 is a diagram illustrating an example of a store-related information table according to this embodiment. The store-related information table SRT manages store-related information and manages various information in association with a combination of an "organization ID" that identifies an individual company (organization), a "store ID" that identifies an individual affiliated store (store), and a "category ID" that identifies the store category. The various information includes, for example, burden information regarding the company's burden on the payment amount for an item purchase for each store or store category where the item can be purchased, and discount information regarding the discount on the payment amount for the item purchase for each store or store category where the item can be purchased. This information is registered by a company representative, etc., specifically, via a screen displayed on the representative terminal device 3b. Note that (1) if the store category can be determined from the store name included in the authorization information, the store name does not need to be included in the store-related information table SRT. (2) If the store name included in the authorization information is not included in the store-related information table SRT or if the store category does not match, the information processing device 1 may execute control to not approve (not allow) the authorization information.

[0039] In this example, the "category" used to classify stores indicates, for example, the purpose of the items handled by the store. For example, three categories may be set in advance: a category corresponding to "learning," a category corresponding to "health," and a category corresponding to "other." Note that the number and types of categories are merely examples, and various other categories may be set in other examples of this embodiment. For example, various categories such as childbirth and childcare, babysitters and housekeeping services, and various tests (genetic tests, etc.) may be set as categories indicating the target of stores such as the above-mentioned learning and health. Furthermore, item attributes such as whether the item is purchased or rented, whether it requires advance payment, and whether it is taxable or non-taxable may be set as store categories.

[0040] Determining the category corresponding to a store can be achieved by various methods. For example, the correspondence between stores and categories may be managed in a specific table (such correspondence may be set, for example, via a screen output on the staff member terminal device 3b). Also, for example, the category of an item at a store may be automatically determined based on the name of the store identified based on the authorization information. For example, a prompt instructing the presentation of the item category based on the name of the store may be input to a large-scale language model, and the corresponding category may be determined based on information output from the large-scale language model.

[0041] "Burden information" is information that is managed by associating, for example, at least one of the rebate (discount) rate and the discount rate associated with the store (or store category) with the party that will bear the discount (for example, the affiliated store, issuer, or payroll company).

[0042] "Discount information" is information about the discount details of the payment amount for the purchase of an item associated with a store (or store category), and includes, for example, a predetermined discount rate (e.g., a 15% discount rate) or a predetermined discount amount (e.g., a 5,000 yen discount) set for the item purchase amount. Note that the predetermined discount rate or predetermined discount amount is applied immediately at the time of the item purchase, but is not limited to this, and may be reflected on subsequent item purchases.

[0043] FIG. 6 is a diagram showing an example of an item information table according to this embodiment. The item information table IT manages information about items introduced through the employee benefit support service. As shown in FIG. 6, the item information table IT manages information such as "basic information" including the item name, price, description, etc., and "purchase site information" which is information about an external website (e-commerce site) where the item can be purchased, in association with an "item ID" that identifies each individual item. The purchase site information includes a URL for accessing the external website. In this embodiment, items include not only items listed on the item display screen provided by the issuer as the operator of the employee benefit support service, but also items provided by other item providers (e.g., specific stores). In other words, a credit card (corporate card) associated with an employee belonging to a company can be used to purchase items not only from the issuer but also from other organizations. This has the advantage of broadening the range of item choices available to employees.

[0044] FIG. 7 is a diagram showing an example of a card usage management table according to this embodiment. The card usage management table CUT manages information related to credit card usage. As shown in FIG. 7, the card usage management table CUT manages information such as the "usage date and time," the "credit card number" identifying the target credit card, the affiliated store where the credit card was used, "usage information" including the payment amount (purchase amount), the "credit limit usage amount" which is the amount of the credit limit used to settle the payment amount, the "discount equivalent amount" which is the amount of discount granted based on the credit limit usage amount, and the "post-reduction usage amount" which is the credit limit usage amount after reduction based on the discount amount, in association with a "usage ID" which identifies an individual usage.

[0045] Returning to Figure 2, the control unit 12 functionally comprises an authorization information acquisition unit 21, a credit information acquisition unit 23, a discount content information acquisition unit 25, a burden content information acquisition unit 27, a loanable amount information acquisition unit 29, a credit information change unit 31, a credit judgment unit 33, a loan judgment unit 35, and an amount information generation unit 37.

[0046] The authorization information acquisition unit 21 acquires authorization information for settling an item purchase using a credit card associated with the employee. The authorization information acquisition unit 21 receives the authorization information in a processable manner, for example, from the external system 4 shown in FIG. 1 . As described above, the authorization information includes, for example, but is not limited to, the card number, merchant identification information that can identify a store as a merchant of the card, and the purchase amount of the product (e.g., the payment amount). The authorization information may also include, for example, store information regarding the store or store category where the item can be purchased, and payment information regarding whether the amount billed to the employee will be paid in installments.

[0047] The credit information acquisition unit 23 acquires credit information of employees associated with credit cards, which is set by a company. The credit information acquisition unit 23 receives (acquires) credit information in a processable manner, for example, from a person in charge terminal device 3b (terminal device) associated with the company. The acquired credit information is recorded as credit information in the user information table UT shown in FIG. 3. The credit information acquisition unit 23 may also acquire the credit information recorded as credit information in the user information table UT from the recording unit 13 shown in FIG. 2. The credit information may include, for example, at least one of salary information related to salaries associated with each of multiple employees, credit rate information related to credit rate settings by the company and associated with each of multiple employees, and credit amount information related to credit amounts set by the company and associated with each of multiple employees.

[0048] The discount content information acquisition unit 25 acquires discount content information related to the discount content of the payment amount for each store or store category where an item can be purchased. The discount content information may be set by the company. For example, the discount content information acquisition unit 25 receives (acquires) discount content information in a processable manner from the employee terminal device 3b associated with the company. The acquired discount content information is recorded as discount content information in the store-related information table SRT shown in FIG. 5. The discount content information acquisition unit 25 may acquire the discount content information recorded as discount content information in the store-related information table SRT from the recording unit 13 shown in FIG. 2. The discount content includes, for example, a discount rate or discount amount associated with a specific store or a specific store category, but is not limited to this. The discount content may also include a discount rate or discount amount arbitrarily set for each employee. The discount content may include, for example, a discount that is applied for a limited period of time, and if the discount is applied for a limited period of time, it may also include date and time information of the application period. The discount details may be set or changed based on, for example, employee attributes (e.g., job type, rank, gender, age, family situation, achievements, and performance). In addition, the discount details may be set or changed arbitrarily for each organization (company).

[0049] The burden information acquisition unit 27 acquires burden information regarding the burden of the company to which the employee belongs for the payment amount for each store or store category where the item can be purchased. The burden information may be set by the company. The burden information acquisition unit 27 receives (acquires) burden information in a processable manner, for example, from the person in charge terminal device 3b. The acquired burden information is recorded as burden information in the store-related information table SRT shown in FIG. 5. The burden information acquisition unit 27 may acquire the burden information recorded as burden information in the store-related information table SRT from the recording unit 13 shown in FIG. 2. The burden information is information that specifies which burden party (e.g., affiliated store, issuer, or payroll paying company) will bear how much of at least one of the payment amount and the fee.

[0050] The loanable amount information acquisition unit 29 acquires loanable amount information relating to the maximum loanable amount that can be provided to an employee. The loanable amount information acquisition unit 29 receives (acquires) the loanable amount information from, for example, the employee terminal device 3b (terminal device) in a processable manner. The acquired loanable amount information is recorded in the recording unit 13 shown in FIG. 2. The loanable amount information acquisition unit 29 may acquire the loanable amount information recorded in the recording unit 13 from the recording unit 13. The loanable amount information includes, for example, the maximum loanable amount that can be provided to an employee for each employee (for example, for each employee attribute) or for each company, and the conditions under which a loan can be provided. The loanable amount information may be included in the credit information, or may be managed as information separate from the credit information.

[0051] The credit information change unit 31 changes the credit information associated with each employee (e.g., employee attributes) or each company, based on, for example, an instruction input from the person in charge terminal device 3b (terminal device) associated with the company to which the employee belongs. As described above, the credit information is provided from the person in charge terminal device 3b, but the company (person in charge) can change the credit information once it has been set as appropriate. The credit information may be changed in response to a request from an employee, or may be changed based on an instruction from the company (person in charge) in response to, for example, fluctuations in the employee's salary (e.g., monthly salary) or bonus. The credit information may also be changed based on the employee's work performance and track record, etc. This configuration allows the credit information set by the company to be flexibly set.

[0052] The credit determination unit 33 determines whether the payment amount for an item purchase (e.g., the purchase amount) is within a credit range corresponding to the credit information, based on the authorization information acquired by the authorization information acquisition unit 21 and the credit information acquired by the credit information acquisition unit 23. For example, when an employee purchases an item with a credit card, authorization information (e.g., affiliated store information, payment amount, and credit card number) is sent from the affiliated store to the information processing device 1 via the external system 4 shown in FIG. 1. The credit determination unit 33 determines whether the payment details are within a credit range corresponding to the credit information, based on this authorization information. More specifically, in addition to verifying the affiliated store information and the credit card number, the credit determination unit 33 may determine whether the payment amount exceeds the upper limit of the credit amount (e.g., whether the payment is possible).

[0053] When the payment amount for an item purchase exceeds the credit limit, the loan determination unit 35 determines whether the excess amount, which corresponds to the amount of the payment amount that exceeds the credit limit, is equal to or less than the upper limit of the loanable amount, based on the payment amount and the loanable amount information. For example, when an employee purchases an item with a credit card, authorization information (e.g., affiliated store information, payment amount, and credit card number) is sent from the affiliated store to the information processing device 1 via the external system 4 shown in FIG. 1. The credit determination unit 33 determines, based on this authorization information, whether the payment amount is within the credit limit corresponding to the credit information. When the credit determination unit 33 determines that the payment amount exceeds the credit limit, the loan determination unit 35 determines whether the excess amount is equal to or less than the upper limit of the loanable amount (e.g., loanable).

[0054] The amount information generation unit 37 generates amount information regarding the amount to be charged to the employee based on the determination result regarding the payment amount for the item purchase by the credit determination unit 33. The amount information includes, for example, at least one of deduction amount information regarding the amount to be deducted from the employee's salary and loan amount information regarding the amount to be loaned to the employee. The amount information may also include service information regarding employee benefit support services (for example, subsidies for lunch items).

[0055] The deduction process will be described later. A deduction process is performed from the salary paid to each employee. For example, the post-deducted usage amount equivalent to the discount amount is tallied for each employee, the tallied amount becomes the deduction amount, and the deduction amount is deducted from each employee's salary. More specifically, a bill for the total credit card usage amount is sent from the acquirer (e.g., external system 4 shown in FIG. 1) to the information processing device 1 managed by the issuer. The information processing device 1 may execute a payment settlement process (e.g., if the affiliated store bears the discount amount, the discounted amount is billed, and the affiliated store pays the acquirer separately, or the amount paid by the acquirer to the affiliated store is reduced). The amount information generation unit 37 then generates deduction amount information regarding the amount of deduction from each employee's salary as amount information and transmits the deduction amount information to the terminal device 3b of the payee company to which the employee belongs, as shown in FIG. 1. In this case, the amount information generation unit 37 may calculate the deduction amount by subtracting the discount amount (the payer of the discount amount is, for example, the payee company or the issuer). If there are expenses (for example, employee food and drink expenses) that the salary paying company must bear, the amount information generating unit 37 may generate information on the amount of burden that the salary paying company must bear, separately from the deduction amount information.

[0056] The amount information generation unit 37 generates amount information that reflects the discount details based on the store information and the discount details information. For example, the amount information generation unit 37 references the discount details information shown in FIG. 5 (e.g., a 15% discount on the purchase price for an item purchased at store A) based on store information (e.g., store A) included in the authorization information. The amount information generation unit 37 may generate an amount equivalent to a 15% discount on the item purchase price as deduction amount information regarding the amount to be deducted from an employee's salary. This configuration makes it possible to generate amount information regarding the amount to be charged to a user, taking into account the discount details on the payment amount for each store or store category where the item can be purchased. Note that deduction amount information includes information generated for each individual use of a credit card by an employee and information aggregated for a predetermined period (e.g., monthly). The same applies to the amount to be charged to a company. Furthermore, for the amount of credit card usage that exceeds the credit limit, i.e., the excess amount, payment methods other than deduction may be used. For example, the excess amount may be paid using the employee's personal credit card.

[0057] For example, if the employee's company pays an amount equivalent to a 15% discount on the item purchase price, the amount information generating unit 37 may subtract the amount paid by the company from the amount billed to the employee (e.g., the amount deducted). In this case, the amount information generating unit 37 calculates the amount equivalent to a 15% discount on the item purchase price as the amount paid by the company. This amount paid by the company may include, for example, the amount billed by the company totaled from the issuer to the company over a predetermined period (e.g., monthly).

[0058] For example, if an issuer that issues a credit card other than the employee's company pays an amount equivalent to a 15% discount on the item purchase price, the amount information generating unit 37 may subtract the amount paid by the issuer from the amount billed to the employee (e.g., the amount deducted). More specifically, the amount information generating unit 37 acquires payment details information and generates the payment amount to be paid by the payer based on the specific payment details and payer indicated by the payment details information. Furthermore, if a store (affiliated store) pays an amount equivalent to a 15% discount on the item purchase price, the amount information generating unit 37 may subtract the amount from the amount billed to the company.

[0059] It is up to the entity to bear the discount amount. For example, if an issuer purchases items from a specific store at a 15% discount off the purchase price, the company may bear a 10% discount amount, and the issuer may bear the remaining 5% discount amount. The discount may be applied not only at the time of settlement, but also, for example, when the amount is deducted from an employee's paycheck. The discount amount or discount rate may be calculated collectively for a specified period (e.g., monthly). For example, a 3% discount may be applied when 100,000 yen or more is spent on the purchase of one or more items.

[0060] Based on the store information and the burden information, the amount information generation unit 37 generates amount information, including deduction amount information regarding the amount to be deducted from the employee's salary and billing amount information regarding the amount to be billed to the company, reflecting the burden information. For example, a case will be described in which the burden information specifies that the company will cover up to 1,000 yen when using Restaurant X. If an employee uses Restaurant X and pays 2,000 yen by credit card, the amount information generation unit 37 calculates the company's share of 1,000 yen (billing amount information regarding the amount to be billed to the company), and calculates the 1,000 yen deduction from the salary and the 1,000 yen billed to the company based on the calculated company's share. This configuration makes it possible to generate amount information that takes into account the burden information of the payment amount for each store or store category where an item can be purchased.

[0061] When an item purchase is settled using a credit card, the amount information generating unit 37 generates, as amount information, burden amount information regarding a fee (amount borne) for an issuer other than the company to which the employee belongs. The amount information generating unit 37 may generate, as amount information, a fee for the issuer as a credit card usage fee each time an item purchase is settled using a credit card. With this configuration, the amount information generating unit 37 can calculate the fee to be paid to the issuer as a credit card usage fee.

[0062] The amount information generating unit 37 may also generate, as amount information, a usage fee for multiple uses of a credit card during a predetermined period (e.g., monthly). Note that the fee for the issuer may be set as a fee as described above, or may be free.

[0063] When an issuer other than the employee's company receives a predetermined amount for credit card usage from the employee's company prior to credit card usage, the amount information generation unit 37 changes the predetermined amount based on the credit card usage history. For example, when an employee uses a credit card to purchase a predetermined item, the issuer may first pay the item purchase cost to the affiliated store via the acquirer, and then bill the employee's company for payment. In such cases, the issuer can secure funds by having the company pay a predetermined amount in advance. In such cases, the amount information generation unit 37 can adjust the amount of the advance payment based on the employee's credit card usage history. This configuration allows the issuer to flexibly adjust the advance payment received by the issuer prior to credit card usage based on the credit card usage history.

[0064] When the excess amount, which corresponds to the portion of the payment amount that exceeds the credit amount, is equal to or less than the upper limit of the loanable amount, the amount information generation unit 37 generates loan amount information regarding the loan amount to be loaned to the employee as amount information. For example, when a company sets the excess amount as a loan to the employee, the amount information generation unit 37 generates the amount to be billed to the company and the amount to be billed to the employee (e.g., the amount to be deducted from the salary) based on the excess amount. For example, when the excess amount can be loaned, the amount information generation unit 37 may increase the credit amount based on the excess amount and then generate the amount to be billed to the company and the amount to be deducted from the salary.

[0065] When the amount billed to the employee is paid in installments, the amount information generation unit 37 calculates an installment fee for the payment of the amount billed to the employee based on the payment information regarding whether the amount billed to the employee is paid in installments and the amount information. Here, the amount information generation unit 37, for example, sets the payer of the installment fee to the company to which the employee belongs. In this case, the installment fee is not included in the amount billed to the employee (for example, the amount deducted from the employee's salary). In other words, when the installment fee is set to be paid by the company, the amount information generation unit 37 generates an invoice amount equivalent to the installment fee to the company and salary deduction information that does not include the installment fee. Note that the installment fee for credit card use may be paid by the company as part of employee benefits.

[0066] <Operation> FIG. 8 is a flowchart showing an example of an amount information generation process of the information processing device according to this embodiment. As shown in FIG. 8, the information processing device 1 shown in FIGS. 1 and 2 acquires authorization information for settling an item purchase using a credit card associated with an employee of a company (step S1). The information processing device 1 acquires credit information for the employee associated with the credit card, which is set by the company (step S3). Based on the authorization information and the credit information, the information processing device 1 determines whether the payment amount for the item purchase is within the credit range corresponding to the credit information (step S5). More specifically, the information processing device 1 executes the determination process by acquiring credit information, such as the credit amount, associated with the credit card number included in the authorization information. Based on the determination result regarding the payment amount, the information processing device 1 generates amount information regarding the amount to be billed to the employee (step S7). Note that, for convenience, steps S1 and S3 have been described above as separate processing steps, and step S3 has been described as being executed after step S1. However, the processing order may be reversed, or steps S1 and S3 may be executed substantially at the same time. Also, for example, if the payment amount exceeds the credit limit in step S5 and payroll deduction or loan is not possible, the authorization information may be rejected without approval in the information processing device 1. In this case, the employee cannot purchase the item because the affiliated store (purchasing store) cannot accept the credit card payment, or the employee will have to purchase the item using another card.

[0067] According to the above, the information processing device 1 generates amount information regarding the amount to be billed to the employee based on the determination result regarding the payment amount for the item purchase. Therefore, the information processing device 1 can generate amount information regarding the amount to be billed to the user based on the determination result regarding whether the payment amount for the item purchase is within the credit range corresponding to the credit information. Therefore, it is possible to support payment for item purchases using payment cards associated with users who belong to an organization.

[0068] FIG. 9 is a flowchart showing another example of the amount information generation process of the information processing device according to this embodiment. As shown in FIG. 9, the information processing device 1 shown in FIGS. 1 and 2 acquires authorization information including store information related to stores or store categories where items can be purchased (step S11). The information processing device 1 acquires discount detail information related to discount details on the payment amount for each store or store category where items can be purchased (step S13). The information processing device 1 generates amount information reflecting the discount details based on the store information and the discount information (step S15). Note that, for convenience, it has been described above that steps S11 and S13 are different processing steps and that step S13 is executed after step S11, but the processing order may be reversed, or steps S11 and S13 may be executed at substantially the same timing.

[0069] FIG. 10 is a flowchart showing another example of amount information generation processing of the information processing device according to the present embodiment. As shown in FIG. 10, the information processing device 1 shown in FIGS. 1 and 2 acquires authorization information including store information regarding stores or store categories where items can be purchased (step S21). The information processing device 1 acquires burden information regarding the burden of the company to which the employee belongs for the payment amount for each store or store category where the item can be purchased (step S23). Based on the store information and the burden information, the information processing device 1 generates amount information, including deduction amount information regarding the amount withheld from the employee's salary and billing amount information regarding the amount billed to the company, reflecting the burden information (step S25). Note that, for convenience, steps S21 and S23 have been described above as different processing steps, and step S23 has been described as being executed after step S21. However, the processing order may be reversed, and steps S21 and S23 may be executed substantially at the same time.

[0070] FIG. 11 is a flowchart showing another example of the amount information generation process of the information processing device according to this embodiment. As shown in FIG. 11, the information processing device 1 shown in FIGS. 1 and 2 acquires loanable amount information relating to the upper limit of the amount that can be loaned to the employee (step S31). When the payment amount exceeds the credit limit, the information processing device 1 determines whether the excess amount is equal to or less than the upper limit based on the payment amount and the loanable amount information (step S33). When the excess amount is equal to or less than the upper limit (if Yes), the information processing device 1 generates loan amount information relating to the loan amount to be loaned to the employee as amount information (step S35). On the other hand, when the excess amount is not equal to or less than the upper limit (if No), the information processing device 1 ends the process without loaning to the employee.

[0071] <Screen example> FIG. 12 is a diagram showing an example of the top screen of the employee benefit support service according to this embodiment. In this embodiment, a function for using the employee benefit support service is provided to employees. The screen shown in FIG. 12 is a top screen 50 of the employee benefit support service that is output on the employee terminal device 3a that has accessed the information processing device 1. The top screen 50 is a screen that serves as the starting point for using the employee benefit support service. As shown in the figure, the top screen 50 has, for example, a shopping button 52 for shopping and a usage status display area 54 that displays the credit card usage status. The usage status display area 54 displays, for example, the number of the credit card held by the corresponding employee, the available credit limit, the remaining balance, the discount amount (for example, automatically calculated from the remaining balance), and the current available balance.

[0072] FIG. 13 is a diagram showing an example of a shopping screen for the employee benefit support service according to this embodiment. When the shopping button 52 shown in FIG. 12 is selected, a shopping screen 60 shown in FIG. 13 is output on the employee terminal device 3a. As shown in the figure, the screen 60 has a top button 62 for returning to the top screen 50 and a list display area 64 for displaying a list of items. Employees can select items to be displayed in the list display area 64, for example, by searching using keywords or by specifying a genre. The items displayed in the list display area 64 are items that are preset in the employee benefit support service (for example, managed in the item information table IT shown in FIG. 6) and can also be considered items recommended by the company. Here, the list display area 64 shown in FIG. 13 includes a plurality of item display areas 66, each corresponding to a separate item.

[0073] FIG. 14 is a diagram showing an example of an item display area on a shopping screen according to this embodiment. As shown in the figure, the item display area 66 displays information about the corresponding item, such as an image, item name (e.g., "English Conversation Lessons"), description, and price. The item display area 66 also displays a discount rate object 662 that displays information about the discount rate (e.g., "10%) set by the store selling the item. In the item display area 66, for example, in addition to the price indicating the actual sales price when the discount rate is not applied ("10,000 yen" in the example of FIG. 14), a price indicating the sales price when the discount rate is applied ("9,000" in the example of FIG. 14) is also displayed.

[0074] The item display area 66 has a link to an external site for purchasing the corresponding item. When the item display area 66 is selected, the employee terminal device 3a accesses the external site. When an item is purchased on the external site, as described above, authorization information is sent from the external system 4 shown in FIG. 1 that corresponds to the external site to the information processing device 1.

[0075] Here, instead of or in addition to items, stores (e.g., online shops) may be displayed in the list display area 64 of the shopping screen 60 shown in Fig. 13. In this case, a link to an external site (e.g., the top page of the online shop) corresponding to the store may be set in the item display area 66 corresponding to the store.

[0076] <Hardware configuration> FIG. 15 is a diagram showing an example of the hardware configuration of a computer according to an embodiment of the present invention. Referring to FIG. 15, an example of the hardware configuration when the devices and system included in the information processing system 100 shown in FIG. 1 are realized by a computer 200 will be described. Note that the functions of each device can be realized by dividing them into multiple devices. Furthermore, at least a portion of the information recorded by the recording unit 13 shown in FIG. 2 may be stored in a system different from the information processing system 100 (for example, a database managed by the company to which the user belongs or a database managed by an external company providing human resources management services). In this case, the information processing system 100 may acquire at least a portion of the information from these storage locations.

[0077] 15, a computer 200 mainly comprises, as hardware resources, a processor 201, a main storage device 202, an auxiliary storage device 203, an input / output interface 204, and a communication interface 205, which are interconnected via a bus line 206 including an address bus, a data bus, a control bus, etc. Note that an interface circuit (not shown) may be interposed between the bus line 206 and each hardware resource as appropriate.

[0078] The processor 201 controls the entire computer. The processor 201 corresponds to, for example, the control unit 12 shown in FIG. 3. The main storage device 202 provides a working area for the processor 201 and stores data in an SRAM ( S tatic R andom A access Memory) and DRAM ( D Dynamic R andom A access M The auxiliary storage device 203 is a volatile memory such as a memory card (RAM) or a hard disk drive (HDD), and is a non-volatile memory such as a hard disk drive (HDD), solid state drive (SSD), or flash memory that stores software programs and data. The programs and data are loaded from the auxiliary storage device 203 to the main storage device 202 via the bus line 206 at any time.

[0079] The input / output interface 204 presents information and / or receives input of information, and may be a camera, keyboard, mouse, display, touch panel display, microphone, speaker, etc. The communication interface 205 is connected to the above-mentioned predetermined communication network and transmits and receives data via the predetermined communication network. The communication interface 205 may also acquire information related to the network, such as information related to Wi-Fi access points.

[0080] It will be apparent to those skilled in the art that the cooperation of the hardware resources and software exemplified above enables the computer 200 to function as desired means, execute desired steps, and achieve desired functions.

[0081] <Modification> The above-described embodiments are intended to facilitate understanding of the present disclosure and are not intended to limit the present disclosure. The configurations that the embodiments may include are not limited to those exemplified and can be modified as appropriate. Furthermore, configurations shown in different embodiments can be partially substituted or combined with each other.

[0082] <Configuration example> The present disclosure includes the following techniques:

[0083] Computer, an authorization information acquisition unit that acquires authorization information for settling an item purchase using a payment card associated with a user who belongs to the organization; a credit information acquisition unit that acquires credit information of the user associated with the payment card; a credit determination unit that determines whether a payment amount for the item purchase is within a credit range corresponding to the credit information based on the authorization information and the credit information; an amount information generating unit that generates deduction amount information regarding the amount of deduction from the salary associated with the user based on the determination result regarding the payment amount; A program that functions as a The present disclosure further includes the techniques described in the following appendices. [Appendix 1] A program that causes a computer to function as an authorization information acquisition unit that acquires authorization information for paying for an item purchase using a payment card associated with a user belonging to an organization; a credit information acquisition unit that acquires credit information of the user associated with the payment card, which is credit information set by the organization; a credit judgment unit that determines whether the payment amount for the item purchase is within the credit range corresponding to the credit information based on the authorization information and the credit information; and an amount information generation unit that generates amount information regarding the amount to be charged to the user based on the judgment result regarding the payment amount. [Appendix 2] The program described in Appendix 1, wherein the credit information acquisition unit acquires the credit information from a terminal device associated with the organization, and the credit information includes at least one of salary information regarding the salary associated with each user, credit rate information regarding the credit rate set by the organization and associated with each user, and credit amount information regarding the credit amount set by the organization and associated with each user. [Appendix 3] The program described in Appendix 1 or 2, wherein the authorization information includes store information regarding the store where the item can be purchased or the category of the store, and the computer further functions as a discount content information acquisition unit that acquires discount content information regarding the discount content of the payment amount for each store where the item can be purchased or each category of store, and the amount information generation unit generates the amount information reflecting the discount content based on the store information and the discount content information. [Appendix 4] The program described in Appendix 3, wherein the amount information generation unit subtracts the amount borne by the organization to which the user belongs from the amount billed to the user if the organization to which the user belongs bears the amount corresponding to the discount amount as the discount content. [Appendix 5] The program described in Appendix 3, wherein the amount information generation unit subtracts the amount borne by an organization that issues the payment card, which is different from the organization to which the user belongs, from the amount charged to the user, when the amount corresponding to the discount amount as the discount content is borne by that organization. [Appendix 6] The authorization information includes store information regarding the store where the item can be purchased or the category of the store, and the computer is further made to function as a burden information acquisition unit that acquires burden information regarding the burden of the organization to which the user belongs for the payment amount for each store or category of store where the item can be purchased, and the amount information generation unit generates deduction amount information regarding the amount deduction from the user's salary and billing amount information regarding the amount billed to the organization as the amount information, reflecting the burden based on the store information and the burden information. [Appendix 7] A program described in any of Appendices 1 to 6, wherein the amount information generation unit generates, as the amount information, amount information regarding the amount to be paid to an organization that issues the payment card, which is different from the organization to which the user belongs, when the item purchase is paid using the payment card. [Appendix 8] A program described in any of Appendices 1 to 7, wherein the amount information generation unit changes the specified amount based on the usage status of the payment card if, prior to using the payment card, an organization that issues the payment card, which is different from the organization to which the user belongs, receives a specified amount for using the payment card from the organization to which the user belongs. [Appendix 9] A program described in any of Appendices 1 to 8, which causes the computer to further function as a loan amount information acquisition unit that acquires loan amount information regarding the maximum amount that can be loaned to the user, and a loan judgment unit that, when the payment amount exceeds the credit range, determines whether the excess amount is less than the maximum amount based on the payment amount and the loan amount information, and when the excess amount is less than the maximum amount, the amount information generation unit generates loan amount information regarding the loan amount to be loaned to the user as the amount information. [Appendix 10] A program described in any of Appendices 1 to 9, wherein the authorization information includes payment information regarding whether the amount to be charged to the user will be paid in installments, and the amount information generation unit, if the amount is paid in installments, calculates an installment fee for payment of the amount based on the payment information and the amount information, and the installment fee is borne by the organization and is not included in the amount deducted from the user's salary. [Appendix 11] A program described in any of Appendices 1 to 10, which further causes the computer to function as a credit information change unit that changes the credit information associated with each user based on instruction input from a terminal device associated with the organization to which the user belongs. [Appendix 12] An information processing device comprising: an authorization information acquisition unit that acquires authorization information for paying for an item purchase using a payment card associated with a user belonging to an organization; a credit information acquisition unit that acquires credit information of the user associated with the payment card, the credit information being set by the organization; a credit judgment unit that determines whether the payment amount for the item purchase is within a credit range corresponding to the credit information based on the authorization information and the credit information; and an amount information generation unit that generates amount information regarding the amount to be charged to the user based on the judgment result regarding the payment amount. [Appendix 13] An information processing method in which a computer performs the following steps: obtains authorization information for paying for an item purchase using a payment card associated with a user belonging to an organization; obtains credit information for the user associated with the payment card, the credit information being set by the organization; determines, based on the authorization information and the credit information, whether the payment amount for the item purchase is within a credit range corresponding to the credit information; and generates amount information regarding the amount to be charged to the user based on the determination result regarding the payment amount. [Appendix 14] An information processing system comprising an information processing device and a user terminal device operated by a user belonging to an organization, wherein the information processing device comprises: an authorization information acquisition unit that acquires authorization information for settling an item purchase using a payment card associated with the user; a credit information acquisition unit that acquires credit information of the user associated with the payment card, the credit information being set by the organization; a credit judgment unit that determines whether the payment amount for the item purchase is within a credit range corresponding to the credit information based on the authorization information and the credit information; and an amount information generation unit that generates amount information regarding the amount to be charged to the user based on the judgment result regarding the payment amount, and the user terminal device comprises an output unit that outputs the acquired amount information when the amount information is acquired. [Explanation of symbols]

[0084] 1...information processing device, 3a...employee terminal device, 3b...person in charge terminal device, 4...external system, 11...communication unit, 12...control unit, 13...recording unit, 21...authorization information acquisition unit, 23...credit information acquisition unit, 25...discount content information acquisition unit, 27...burden content information acquisition unit, 29...loanable amount information acquisition unit, 31...credit information change unit, 33...credit judgment unit, 35...loan judgment unit, 37...amount information generation unit, 100...information processing system

Claims

1. Computer, an authorization information acquisition unit that acquires authorization information for settling an item purchase using a payment card associated with a user who belongs to the organization; a credit information acquisition unit that acquires credit information of the user associated with the payment card, the credit information being set by the organization; a credit determination unit that determines whether a payment amount for the item purchase is within a credit range corresponding to the credit information based on the authorization information and the credit information; an amount information generating unit that generates amount information regarding the amount to be charged to the user based on the determination result regarding the payment amount; It functions as the credit information includes at least one of salary information relating to a salary associated with each of the users, credit rate information relating to a credit rate of the users, which is set by the organization, and credit amount information relating to a credit amount of the users, which is set by the organization; program.

2. the credit information acquisition unit acquires the credit information from a terminal device associated with the organization; The program according to claim 1.

3. The authorization information includes store information regarding a store or a category of stores where the item can be purchased; The computer a discount information acquisition unit that acquires discount information regarding discount details on the payment amount for each store where the item can be purchased or for each category of the store; the price information generating unit generates the price information reflecting the discount content based on the store information and the discount content information. The program according to claim 1.

4. When the organization to which the user belongs bears the amount corresponding to the discount amount as the discount content, the amount information generation unit subtracts the amount to be borne by the organization to which the user belongs from the amount to be charged to the user. The program according to claim 3.

5. When an amount corresponding to the discount amount as the discount content is borne by an organization that issues the payment card and is different from the organization to which the user belongs, the amount information generation unit subtracts the amount borne by the organization from the amount to be charged to the user. The program according to claim 3.

6. The authorization information includes store information regarding a store or a category of stores where the item can be purchased; The computer and further functioning as a burden information acquisition unit that acquires burden information regarding the burden of the organization to which the user belongs with respect to the payment amount for each store where the item can be purchased or each category of the store; the amount information generation unit generates, as the amount information, deduction amount information regarding the amount to be deducted from the salary of the user, and billing amount information regarding the amount to be billed to the organization, reflecting the burden content, based on the store information and the burden content information; The program according to claim 1.

7. When the item purchase is settled using the payment card, the amount information generation unit generates, as the amount information, information on the amount to be paid to an organization that issues the payment card, which is different from an organization to which the user belongs. The program according to claim 1.

8. the amount information generation unit changes the predetermined amount based on the usage status of the payment card when, prior to use of the payment card, an organization that issues the payment card and is different from the organization to which the user belongs has received a predetermined amount related to use of the payment card from the organization to which the user belongs; The program according to claim 1.

9. The computer a loanable amount information acquisition unit that acquires loanable amount information regarding the upper limit of the loanable amount that can be provided to the user; a loan determination unit that, when the payment amount exceeds the credit limit, determines whether the excess amount is equal to or less than the upper limit based on the payment amount and the loanable amount information; It further functions as When the excess amount is equal to or less than the upper limit amount, the amount information generation unit generates loan amount information regarding the loan amount to be loaned to the user as the amount information. The program according to claim 1.

10. The authorization information includes payment information regarding whether the amount to be charged to the user will be paid in installments; the amount information generation unit calculates an installment fee for payment of the amount based on the payment information and the amount information when the amount is paid in installments; The installment fee is paid by the organization and is not included in the amount deducted from the user's salary. The program according to claim 1.

11. The computer and further functioning as a credit information changing unit that changes the credit information associated with each user based on an instruction input from a terminal device associated with the organization to which the user belongs. The program according to claim 1.

12. an authorization information acquisition unit that acquires authorization information for settling an item purchase using a payment card associated with a user who belongs to the organization; a credit information acquisition unit that acquires credit information of the user associated with the payment card, the credit information being set by the organization; a credit determination unit that determines whether a payment amount for the item purchase is within a credit range corresponding to the credit information based on the authorization information and the credit information; an amount information generating unit that generates amount information regarding the amount to be charged to the user based on the determination result regarding the payment amount; Equipped with An information processing device wherein the credit information includes at least one of salary information relating to the salary associated with each user, credit rate information set by the organization and relating to the user's credit rate, and credit amount information set by the organization and relating to the user's credit amount.

13. The computer Obtaining authorization information for paying for an item purchase using a payment card associated with a user who belongs to the organization; obtaining credit information for the user associated with the payment card, the credit information being established by the organization; determining whether a payment amount for the item purchase is within a credit range corresponding to the credit information based on the authorization information and the credit information; generating amount information regarding the amount to be charged to the user based on the determination result regarding the payment amount; Run An information processing method in which the credit information includes at least one of salary information regarding the salary associated with each user, credit rate information set by the organization regarding the user's credit rate, and credit amount information set by the organization regarding the user's credit amount.

14. An information processing system including an information processing device and a user terminal device operated by a user belonging to an organization, The information processing device includes: an authorization information acquisition unit that acquires authorization information for paying for an item purchase using a payment card associated with the user; a credit information acquisition unit that acquires credit information of the user associated with the payment card, the credit information being set by the organization; a credit determination unit that determines whether a payment amount for the item purchase is within a credit range corresponding to the credit information based on the authorization information and the credit information; an amount information generation unit that generates amount information regarding the amount to be charged to the user based on the determination result regarding the payment amount; the credit information includes at least one of salary information relating to a salary associated with each of the users, credit rate information relating to a credit rate of the users, which is set by the organization, and credit amount information relating to a credit amount of the users, The user terminal device When the amount information is acquired, an output unit is provided that outputs the acquired amount information. Information processing system.

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