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

Abstract

To provide an information processing device, an information processing system, an information processing method, and an information processing program capable of properly making payments of various fees relating to a certain trade.SOLUTION: An information processing device includes: an information obtaining unit that obtains first information from a manager terminal; a first assessing unit that transmits, to a settlement terminal, second information on a second fee obtained by adding a predetermined amount of money to a first fee based on the first information; a result obtaining unit that obtains a result of settlement processing from the settlement terminal when the settlement processing is executed at the settlement terminal on the basis of the second information and third information; and a fee obtaining unit that obtains a second fee in accordance with the second information from the settlement terminal on the basis of the result of the settlement processing at the settlement terminal.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] Traditionally, bank transfers and other methods have been used to pay various fees, including those for real estate rentals. However, in recent years, due to technological advances and various other reasons, payment methods for these fees have become more diverse. The technology described in Patent Document 1 is a system for making lump-sum payments for real estate rental fees, and includes a user terminal, a payment company terminal, and a server. The server described in Patent Document 1 compiles multiple payment data received from the payment company terminal according to at least one of the following: per property management company, per payment company, per tenant, and per landlord, and makes a lump-sum payment. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2016-051333 Summary of the Invention [Problem to be solved by the invention]

[0004] Contracts that involve the payment of certain fees, such as real estate lease contracts, often require a guarantor in addition to the contracting party. However, depending on the contracting party's circumstances, there are cases where the contracting party does not have a family member or other relative acting as a guarantor, but instead asks a guarantee company to act as a guarantor. The emergence of a system that would allow for the appropriate payment of various fees even in such cases has been long awaited. In this regard, it is becoming common for tenants to request a guarantee company to act as a guarantee instead of a personal guarantee with a family member or other person acting as guarantor. However, when a guarantor company acts as a guarantee, it is usually necessary to pay a lump sum guarantee fee, which creates a significant burden for the tenant who entrusts the guarantee.

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

[0006] An object of the present invention is to provide an information processing device, an information processing system, an information processing method, and an information processing program that are capable of properly paying various fees related to a specific transaction. [Means for solving the problem]

[0007] An information processing device of one embodiment is a device interposed between an administrator terminal used to manage a specified object and a payment terminal used to make payments for the specified object, and includes: an information acquisition unit that acquires first information about a first fee related to the specified object from the administrator terminal; a first billing unit that sends to the payment terminal second information about a second fee that is the first fee based on the first information acquired by the information acquisition unit plus a specified amount; a result acquisition unit that acquires the result of the payment processing from the payment terminal when payment processing is performed at the payment terminal based on the second information sent to the payment terminal by the first billing unit and third information related to the fee usage limit held by the payment terminal; and a fee acquisition unit that acquires from the payment terminal the second fee corresponding to the second information based on the result of the payment processing at the payment terminal.

[0008] An information processing device according to one embodiment may include a result acquisition unit that acquires the result of the payment processing from the payment terminal when payment processing is performed at the payment terminal based on second information sent to the payment terminal by the first billing unit and third information related to the fee usage limit held by the payment terminal, a first provision unit that provides the administrator terminal with a first fee obtained by subtracting a predetermined amount from the second fee acquired by the fee acquisition unit, and a second provision unit that transmits the result of the payment processing acquired by the result acquisition unit to the administrator terminal.

[0009] An information processing device of one embodiment may include a fourth acquisition unit that acquires fourth information regarding a payment method from a user terminal of a user who uses a specified target; a third provision unit that, if the fee acquisition unit cannot acquire the second fee based on the result of the payment processing acquired by the result acquisition unit, sends fifth information to the user terminal regarding confirmation of a change regarding the payment method based on the fourth information acquired by the fourth acquisition unit; and a fourth provision unit that, if sixth information regarding a change to the payment method is acquired in response to sending the fifth information to the user terminal by the third provision unit, sends seventh information regarding a payment change in response to the sixth information to the payment terminal.

[0010] An information processing device according to one embodiment may include a fifth providing unit that provides the first fee to the administrator terminal when the fee obtaining unit is unable to obtain the second fee based on the result of the payment process obtained by the result obtaining unit.

[0011] In one embodiment of the information processing device, when the specified object is a real estate rental property, the first billing unit may send to the payment terminal second information regarding a second fee which is the rent for the rental property as the first fee plus a specified amount of guarantee for the rent of the rental property.

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

[0013] One embodiment of an information processing device is an information processing device used when guaranteeing payment obligations for various fees related to a specific transaction, and includes a receiving unit that receives amount information regarding the amount of the various fees, a billing unit that transmits total amount information regarding the total amount obtained by adding a predetermined amount to the amount information, an acquisition unit that acquires the total amount according to the total amount information, and a remittance processing unit that remits the amount of the various fees obtained by subtracting the predetermined amount from the total amount acquired by the acquisition unit.

[0014] One embodiment of an information processing system is a system comprising an information processing device used to guarantee payment obligations for various fees related to a specific transaction, a payment terminal for settling the payment of various fees, and an administrator terminal for managing the subject of the specific transaction, and the information processing device comprises a receiving unit that receives amount information regarding the amount of the various fees from the administrator terminal, a billing unit that sends total amount information regarding the total amount obtained by adding a predetermined amount to the amount information to the payment terminal, an acquisition unit that acquires the total amount according to the total amount information from the payment terminal, and a remittance processing unit that transfers the amount of the various fees obtained by subtracting the predetermined amount from the total amount acquired by the acquisition unit to the administrator terminal.

[0015] An information processing system of one embodiment is a system comprising an administrator terminal used to manage specified objects, a payment terminal used for payments for the specified objects, and an information processing device interposed between the administrator terminal and the payment terminal, wherein the information processing device comprises an information acquisition unit that acquires first information about a first fee related to the specified object from the administrator terminal, a first billing unit that sends to the payment terminal second information about a second fee that is the first fee based on the first information acquired by the information acquisition unit plus a specified amount, a result acquisition unit that acquires the result of the payment processing from the payment terminal when payment processing is performed at the payment terminal based on the second information sent to the payment terminal by the first billing unit and third information related to the fee usage limit held by the payment terminal, and a fee acquisition unit that acquires the second fee corresponding to the second information from the payment terminal based on the result of the payment processing at the payment terminal.

[0016] One aspect of the information processing method is a method executed by an information processing device used when guaranteeing payment obligations for various fees related to a specific transaction, in which the information processing device executes a receiving step in which amount information regarding the amounts of the various fees is received by a receiving unit, a billing step in which total amount information regarding the total amount obtained by adding a predetermined amount to the amount information, an acquisition step in which the total amount according to the total amount information is acquired, and a remittance processing step in which the amount of the various fees obtained by subtracting the predetermined amount from the total amount acquired by the acquisition step is remitted.

[0017] In one aspect of the information processing method, an information processing device interposed between an administrator terminal used to manage a specified object and a payment terminal used to make payments for the specified object executes the following steps: a first acquisition step of acquiring first information about a first fee related to the specified object from the administrator terminal; a first billing step of sending to the payment terminal second information about a second fee obtained by adding a specified amount to the first fee based on the first information acquired by the first acquisition step; a second acquisition step of acquiring from the payment terminal a result of the payment processing when payment processing is performed at the payment terminal based on the second information sent to the payment terminal by the first billing step and third information related to the fee usage limit held by the payment terminal; and a third acquisition step of acquiring from the payment terminal a second fee corresponding to the second information based on the result of the payment processing at the payment terminal.

[0018] One embodiment of the information processing program is a program implemented in an information processing device used to guarantee payment obligations for various fees related to a specific transaction, and provides the information processing device with the following functions: a receiving function for receiving amount information regarding the amount of the various fees; a billing function for sending total amount information regarding the total amount obtained by adding a predetermined amount to the amount information; an acquisition function for acquiring the total amount according to the total amount information; and a remittance processing function for remitting the amount of the various fees obtained by subtracting a predetermined amount from the total amount acquired by the acquisition function.

[0019] An information processing program of one embodiment provides an information processing device interposed between an administrator terminal used to manage a specified object and a payment terminal used to make payments for the specified object with the following functions: a first acquisition function that acquires first information about a first fee related to the specified object from the administrator terminal; a first billing function that sends to the payment terminal second information about a second fee that is the first fee based on the first information acquired by the first acquisition function plus a specified amount; a second acquisition function that acquires from the payment terminal a result of the payment processing when payment processing is performed at the payment terminal based on the second information sent to the payment terminal by the first billing function and third information related to the fee usage limit held by the payment terminal; and a third acquisition function that acquires from the payment terminal a second fee corresponding to the second information based on the result of the payment processing at the payment terminal. [Effects of the Invention]

[0020] An information processing device in one embodiment acquires first information, sends second information about a second fee which is a first fee based on the first information plus a predetermined amount to the first fee, acquires the result of the payment processing based on the second information and the third information at the payment terminal, acquires the second fee corresponding to the second information from the payment terminal based on the result of the payment processing, provides the first fee which is the second fee minus a predetermined amount to the administrator terminal, and sends the result of the payment processing to the administrator terminal, thereby appropriately guaranteeing the payment obligations for various fees related to a specific transaction. The information processing system, the information processing method, and the information processing program according to one aspect can achieve the same effects as the information processing device according to the above aspect. [Brief explanation of the drawings]

[0021] [Figure 1] FIG. 1 is a diagram illustrating an information processing system according to an embodiment. [Figure 2] FIG. 1 is a block diagram illustrating an information processing device according to an embodiment. [Figure 3] 1 is a first timing chart illustrating an information processing method according to an embodiment. [Figure 4]10 is a second timing chart illustrating an information processing method according to an embodiment. [Figure 5] 10 is a third timing chart illustrating an information processing method according to an embodiment. DETAILED DESCRIPTION OF THE INVENTION

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

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

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

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

[0026] The payment terminal 20 is provided, for example, in a company or the like that can process payments such as credit cards. As an example, the payment terminal 20 is provided in a payment company or a payment agency. The payment terminal 20 is used, for example, for payment for a predetermined object. As in the example described above, the predetermined object may be various objects such as real estate rental properties and items that are subject to rental business. The payment terminal 20 is used, for example, for various processes including payment of fees related to the predetermined object. The payment terminal 20 is used, for example, by an employee or the like who performs payment processing.

[0027] The user terminal 30 is used, for example, by a user who uses a predetermined object, or a contractor who enters into a contract for the use of the predetermined object. The user or contractor pays a fee for using the predetermined object to an administrator or the like, and requests a guarantee for the fee for the predetermined object from a company (guarantor company) where the information processing device 40 described below is located. The predetermined object may be various objects, such as real estate rental properties and items that are subject to rental business, as in the example described above. The user terminal 30 is used, for example, for various processes, including contracts and fees related to the predetermined object.

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

[0029] The information processing device 40 is used to guarantee the payment obligations of various fees related to specific transactions. For example, when various contracts are concluded between an administrator using the administrator terminal 10 and a user regarding a predetermined object, the information processing device 40 provides a guarantee to the administrator for the contract. In other words, the information processing device 40 is used to guarantee various contracts that allow for the provision of a guarantor. The information processing device 40 may also provide a guarantee for each contract for a plurality of predetermined objects, for example. Note that the following description will be given using a real estate lease contract as an example of various contracts that allow for the provision of a guarantor.

[0030] For example, when the predetermined object is a real estate rental property (e.g., a room), and a rental contract is concluded between the manager of the rental property and the user, the manager may request the user to provide a guarantor. For example, a guarantor company that owns information processing device 40 will be the guarantor in the rental contract. In such a case, the information processing device 40 guarantees the rental fee (e.g., rent) for the rental property. For example, when a request is received from the manager terminal 10 or the user terminal 30, the information processing device 40 identifies the user and issues a unique code to be used when requesting payment from the payment terminal 20. The information processing device 40 also examines whether the user will be a guarantor for the rental contract, and if so, performs various processes.

[0031] For example, every month, the information processing device 40 uses a unique code to request the payment terminal 20 to settle the total amount obtained by adding the guarantee amount to the rental fee for the rental property. When the payment is made at the payment terminal 20, the information processing device 40 obtains the total amount from the payment terminal 20. Furthermore, when the information processing device 40 obtains the total amount from the payment terminal 20, it provides the amount (rental fee) obtained by subtracting the guarantee amount from the total amount to the manager terminal 10. If the payment is not received from the payment terminal 20, the information processing device 40 provides the rental fee for the rental property to the manager terminal 10.

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

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

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

[0035] The communication unit 52 has the functions of a transmitting unit that transmits information and a receiving unit that receives information. The communication unit 52 communicates with various devices and terminals external to the information processing device 40. That is, the communication unit 52 can transmit and receive information with each of the administrator terminal 10, the payment terminal 20, and the user terminal 30. In other words, the control unit 41 can transmit and receive information via the communication unit 52. For example, the communication unit 52 (receiving unit) receives amount information regarding the amounts of various fees.

[0036] The first acquisition unit 42 acquires first information about a first fee related to a predetermined object from the administrator terminal 10. Here, the predetermined object may be, for example, a real estate rental property, an item that is the subject of a rental business, or various other objects, as described above. Therefore, the following description will be given using a real estate "rental property" as an example of the "predetermined object." The first fee may be, for example, the rental fee for the rental property. When a lease agreement for a rental property is concluded between a user and a manager, the first acquisition unit 42 acquires the first information from, for example, the manager terminal 10. That is, as an example, the first acquisition unit 42 acquires information indicating the rent for the rental property as the first information. In this case, before the first acquisition unit 42 acquires the first information, the fourth acquisition unit 48, which will be described later, acquires information (e.g., a unique code, etc.) regarding the payment method for the first fee that the user will pay to the manager in the lease agreement between the user and the manager. Here, the "information acquisition unit" of the present invention may correspond to the "first acquisition unit 42" in the above-described embodiment.

[0037] The first billing unit 43 transmits to the payment terminal 20 second information about a second fee obtained by adding a predetermined amount to the first fee based on the first information acquired by the first acquisition unit 42. The predetermined amount is the cost incurred when acting as a guarantor in a rental contract between a user and a manager, and may be the "guarantee amount" described above. That is, if the rental property is a real estate rental property, the first billing unit 43 may transmit to the payment terminal 20 second information about a second fee obtained by adding a predetermined amount, which is a guarantee amount for guaranteeing the rent of the rental property, to the rent of the rental property as the first fee. Here, the first billing unit 43 transmits to the payment terminal 20 second information about a total amount (second fee) obtained by adding the guarantee amount (predetermined amount) to the rent (first fee) for each predetermined period (for example, every month). The second information is, for example, information requesting the payment terminal 20 to pay the second fee. The guaranteed amount (predetermined amount) may be, for example, the annual guaranteed amount divided for each predetermined period, a fixed amount that is constant for each predetermined period, or a variable amount that fluctuates for each predetermined period. Here, the "billing unit" of the present invention may correspond to the "first billing unit 43" in the above-described embodiment. The billing unit (first billing unit 43) may transmit to the payment terminal 20 total amount information regarding the total amount obtained by adding a predetermined amount to the amount information received by the communication unit 52 (receiving unit). The "total amount information" may correspond to, for example, the "second information" in the above-described embodiment.

[0038] When payment processing is performed in the payment terminal 20 based on the second information transmitted to the payment terminal 20 by the first billing unit 43 and third information related to the usage limit of the fee held by the payment terminal 20, the second acquisition unit 44 acquires the result of the payment processing from the payment terminal 20. The third information is, for example, information related to the credit card's usage limit (usage limit) for a predetermined period. When payment processing is performed in the payment terminal 20 based on the second information and the third information, i.e., when the second fee is payable, the second acquisition unit 44 acquires the result of the payment processing (that the payment has been made) from the payment terminal 20. That is, the second acquisition unit 44 may acquire, for example, information indicating whether the usage limit for the payment amount has been secured for the credit card as a result of the payment processing based on the third information. Even when the result of the payment processing in the payment terminal 20 is that the payment has not been made, the second acquisition unit 44 may acquire the result of the payment processing (that the payment has not been made) from the payment terminal 20. Here, the "result acquisition unit" of the present invention may correspond to the "second acquisition unit 44" in the above-described embodiment.

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

[0040] The first providing unit 46 provides the manager terminal 10 with the first fee obtained by subtracting a predetermined amount (guarantee amount) from the second fee acquired by the third acquiring unit 45. When the information processing device 40 acquires the second fee by the third acquiring unit 45, it acquires the guarantee amount from the second fee and uses it for future activities as a guarantor. Furthermore, the first providing unit 46 provides the manager terminal 10 with the first fee (rental fee) obtained by subtracting the guarantee amount from the second fee. Note that the first fee may be transferred from the first account to the bank account (second account) of the management company, for example. In this case, the first providing unit 46 may "provide the first fee" to the manager terminal 10 by, for example, transmitting information to the manager terminal 10 indicating that the first fee has been transferred from the first account to the second account. Here, the "remittance processing unit" of the present invention may correspond to the "first providing unit 46" of the above-described embodiment. The remittance processing unit (first providing unit 46) remits the amount of various fees obtained by subtracting a predetermined amount from the total amount acquired by the acquiring unit (third acquiring unit 45). In this case, the remittance processing unit (first providing unit 46) may remit the amount of various fees to the administrator terminal 10 (or a device or account related to the administrator terminal 10, etc.).

[0041] The second providing unit 47 transmits the result of the payment process acquired by the second acquiring unit 44 to the manager terminal 10. When the payment company has approved the payment for the rental fee (second fee) for the rental property, the second providing unit 47 transmits information indicating that the payment has been approved to the manager terminal 10. Furthermore, when the payment company has not approved the payment for the rental fee (second fee) for the rental property, the second providing unit 47 may transmit information indicating that the payment has not been approved to the manager terminal 10.

[0042] As described above, the fourth acquisition unit 48 acquires the fourth information about the payment method from the user terminal 30 of the user who uses the rental property. That is, when the information processing device 40 (e.g., the control unit 41, etc.) guarantees the rental contract between the user and the manager, first, the fourth acquisition unit 48 acquires information (fourth information) about the payment method of the first fee to be paid by the user to the manager.

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

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

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

[0046] If the third acquisition unit 45 is unable to acquire the second fee based on the result of the payment processing acquired by the second acquisition unit 44, the fifth provision unit 51 provides the first fee to the administrator terminal 10. If the payment company has not settled the second fee as a result of the payment processing (if the second fee cannot be acquired), the fifth provision unit 51 provides the first fee to the administrator terminal 10. Note that, as in the case described above, the first fee may be transferred from a bank account (first account) used by the company that owns the information processing device 40 to a bank account (second account) or the like of the management company. In this case, the fifth provision unit 51 may "provide the first fee" to the administrator terminal 10 by, for example, transmitting information to the administrator terminal 10 indicating that the first fee has been transferred from the first account or the like to the second account.

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

[0048] First, as an information processing method, the process for applying for a guarantee will be described with reference to FIG. FIG. 3 is a first timing chart illustrating an information processing method according to an embodiment.

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

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

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

[0052] In step ST104, the payment terminal 20 registers the user's information in response to step ST103, and, as an example, issues a URL for a form for the user to enter a payment method (e.g., information for payment by credit card) into the payment terminal 20.

[0053] In step ST105, the information processing device 40 (for example, the control unit 41, etc.) transmits the URL issued in step ST104 to the user terminal 30. In this case, the information processing device 40 (for example, the control unit 41, etc.) writes the URL in a medium such as an SMS (Short Message Service) or an e-mail and transmits it to the user terminal 30.

[0054] In step ST106, the information processing device 40 (for example, the control unit 41, etc.) examines the warranty application received in step ST103. Here, if there is any defect in the warranty application, the information processing device 40 (for example, the control unit 41, etc.) may transmit a message to that effect to the administrator terminal 10.

[0055] In step ST107, the user terminal 30 accesses the URL in response to step ST105, and inputs information related to payment (for example, information for payment by credit card) on the page of the URL.

[0056] In step ST108, the payment terminal 20 acquires the information input in step ST107. In this case, the payment terminal 20 holds, for example, a credit card number, checks the expiration date and validity of the card, and transmits the check result, etc. to the information processing device 40.

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

[0058] In step ST110, the administrator terminal 10 accepts the information transmitted in step ST109, that is, the result of approval by the guarantee company.

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

[0060] In step ST112, the administrator terminal 10 concludes the guarantee contract in response to step ST111. The administrator terminal 10 transmits the guarantee contract to the information processing device 40.

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

[0062] Next, as an information processing method, processing for charging the second fee to payment terminal 20 will be described with reference to FIG. FIG. 4 is a second timing chart illustrating the information processing method according to an embodiment.

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

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

[0065] In step ST203, the payment terminal 20 acquires third information relating to the credit limit for payment fees (for example, the credit limit of a credit card or the like) according to the user.

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

[0067] In step ST205, the information processing device 40 (for example, the control unit 41, etc.) acquires the result of the payment process transmitted in step ST204. In addition, the information processing device 40 (for example, the control unit 41, etc.) provides the result of the payment process to the administrator terminal 10. Note that even if the payment is not approved in step ST204, the information processing device 40 (e.g., the control unit 41, etc.) may request payment from the payment terminal 20 multiple times, for example, within a certain period of time or by a predetermined deadline. That is, the information processing device 40 (e.g., the control unit 41, etc.) may re-execute the process of step ST202 under predetermined conditions. In this case, the information processing device 40 (e.g., the control unit 41, etc.) may re-execute the process of step ST202 by taking into account appropriate timing such as the date of the month and the day of the week as the timing to transmit the second information again. Furthermore, if the payment is not approved in step ST204, the information processing device 40 (e.g., the control unit 41, etc.) may immediately notify the user that the payment has not been approved. For example, the information processing device 40 (e.g., the control unit 41, etc.) may notify the user terminal 30 that the payment has not been approved by using a medium such as SMS or email. In this case, the information processing device 40 (e.g., the control unit 41, etc.) may include information about charging the second fee (e.g., information about various payment methods such as credit card, bank transfer, and convenience store payment). Furthermore, even if a payment method is registered by processing each step described above using Figure 3, the information processing device 40 (e.g., the control unit 41, etc.) may be configured so that, for example, if the registered payment method does not function due to suspension of credit card use, etc., the user terminal 30 can be made to allow the user to register a new payment method such as a credit card or direct debit.

[0068] In step ST206, the information processing device 40 (for example, the control unit 41, etc.) provides the second fee provided in step ST204. In addition, the information processing device 40 (for example, the control unit 41, etc.) provides the administrator terminal 10 with the first fee obtained by subtracting a predetermined amount (guarantee amount) from the second fee. In addition, if the payment is not approved as a result of the payment processing at the payment terminal 20, the information processing device 40 (e.g., the control unit 41, etc.) provides the first fee to the administrator terminal 10 without obtaining the second fee from the payment terminal 20.

[0069] In step ST207, the administrator terminal 10 acquires the result of the settlement process in response to step ST205. Also, the administrator terminal 10 acquires the first fee in response to step ST206.

[0070] Next, as an information processing method, processing for changing the payment method will be described with reference to FIG. FIG. 5 is a third timing chart illustrating an information processing method according to an embodiment.

[0071] In step ST301, if the result of the payment process obtained in the above-mentioned step ST205 indicates that the payment has not been made, the information processing device 40 (e.g., the control unit 41, etc.) provides the fifth information to the user terminal 30 to confirm whether to change the payment method.

[0072] In step ST302, when the user terminal 30 changes the payment method, the user terminal 30 inputs predetermined information into a form or the like, and transmits sixth information for changing the payment method to the information processing device 40.

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

[0074] In the information processing device 40 and information processing method described above, the control unit 41 may reduce the predetermined amount (guarantee amount) to be added to the first fee if the user has not defaulted on rent for the rental property for a predetermined period (e.g., two years), i.e., if the second fee is paid at the payment terminal 20. In this case, if the payment method is changed, i.e., if the credit card is changed, during the above-mentioned predetermined period (e.g., two years), the control unit 41 may start counting from the time when the initial credit card was registered.

[0075] The effects of this embodiment will be described below. The information processing device 40 includes a first acquisition unit 42 that acquires first information regarding a rental property from the administrator terminal 10, a first billing unit 43 that transmits second information regarding a second fee, which is the first fee based on the first information plus a predetermined amount (guarantee amount), to the payment terminal 20, a second acquisition unit 44 that acquires the result of the payment processing from the payment terminal 20 when payment processing is performed in the payment terminal 20 based on the second information and the third information, and a third acquisition unit 45 that acquires the second fee from the payment terminal 20 based on the result of the payment processing. In this case, the information processing device 40 may include a first providing unit 46 that provides the first fee, which is the second fee minus a predetermined amount (guarantee amount), to the administrator terminal 10, and a second providing unit 47 that transmits the result of the payment processing acquired by the second acquiring unit 44 to the administrator terminal 10. That is, the information processing device 40 can charge the payment terminal 20 a second fee related to a predetermined object (for example, a rental property) and obtain a guarantee amount related to the rental property accordingly. The information processing device 40 can also provide the manager terminal 10 with a first fee related to the rental property. In other words, as an example, the information processing device 40 can appropriately pay the first fee (for example, rent, etc.) to the manager (or owner) of the property while providing a guarantee to the manager (or owner) for the fee related to the rental of the property. Furthermore, the information processing device 40 requests payment from the payment terminal 20 for the second fee, which is the first fee plus a predetermined amount (guarantee amount). This reduces the effort and cost required for requesting payment compared to when separate payments are requested for the first fee and the predetermined amount. In this case, for example, if separate payments are requested for the first fee and the predetermined amount and only one of them is paid due to a credit card credit limit, the first fee will be paid to the administrator terminal 10 or the user will be billed for the first fee or the predetermined amount, which increases processing effort. In contrast, when the second fee is paid at the payment terminal 20 as in the above-described embodiment, the first fee and the predetermined amount can be managed and processed together, reducing the subsequent processing effort. Furthermore, since the information processing device 40 provides the manager terminal 10 with the result of the payment of the second fee at the payment terminal 20, it can also provide the result to the manager terminal 10, for example, when the payment of the second fee has not been made at the payment terminal 20. This allows the information processing device 40 to notify the manager when the user is in arrears with the rent (first fee), and even when the guarantor company bills the user for the arrears rent (first fee) and a specified amount (guarantee amount), it can make the manager (or owner) understand in advance that such a bill may be made.

[0076] The information processing device 40 may also include a fourth acquisition unit 48 that acquires fourth information regarding the payment method from the user terminal 30, a third provision unit 49 that, if the second fee cannot be acquired based on the result of the payment processing acquired by the second acquisition unit 44, sends fifth information to the user terminal 30 regarding confirmation of a change regarding the payment method based on the fourth information acquired by the fourth acquisition unit 48, and a fourth provision unit 50 that, if sixth information regarding a change in the payment method is acquired from the user terminal 30 in response to sending the fifth information to the user terminal 30, sends seventh information regarding a payment change in response to the sixth information to the payment terminal 20. That is, if the payment of the second fee is not made at the payment terminal 20, the information processing device 40 can inquire of the user terminal 30 (user) whether to change the payment method, and if the payment method (for example, credit card, etc.) is changed, can inquire of the payment terminal 20 whether the new payment method can be used. Therefore, even if the information processing device 40 cannot obtain the second fee using the registered payment method, it can change the payment direction and obtain the second fee from the user terminal 30 (user).

[0077] The information processing device 40 may include a fifth providing unit 51 that provides the first fee to the administrator terminal 10 when the second fee cannot be obtained based on the result of the payment process obtained by the second obtaining unit 44. As a result, even if the payment terminal 20 does not settle the second fee, the information processing device 40 can ensure payment of the first fee to the manager (or owner) of the real estate.

[0078] In the information processing device 40, the first billing unit 43 may, in the case of a real estate rental property, send to the payment terminal 20 second information regarding a second fee which is the rent for the rental property as the first fee plus a predetermined amount of guarantee amount regarding guarantee of the rent for the rental property. This allows the information processing device 40 to appropriately pay the first fee (for example, rent, etc.) to the manager (or owner) of the real estate while providing the manager (or owner) with a guarantee regarding the fee for leasing the real estate.

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

[0080] Furthermore, the information processing device 40 is a device used when guaranteeing the payment obligation of various fees related to a specific transaction, and may include a receiving unit (for example, the "communication unit 52") that receives amount information related to the amount of the various fees, a billing unit (for example, the "first billing unit 43") that transmits total amount information related to the total amount obtained by adding a predetermined amount to the amount information, an acquiring unit (for example, the "third acquiring unit 45") that acquires the total amount according to the total amount information, and a remittance processing unit (for example, the "first providing unit 46") that remits the amount of the various fees obtained by subtracting the predetermined amount from the total amount acquired by the acquiring unit. The above-mentioned billing unit, acquiring unit, and remittance processing unit may be realized as one function of the control unit 41 of the information processing device 40. In other words, the information processing device 40 charges the payment terminal 20 a total amount that is the sum of various fees related to a specified object (e.g., a rental property) and a specified amount (e.g., a guarantee amount), and in response, the specified amount related to the rental property can be obtained. As a result, the information processing device 40 requests the payment terminal 20 to settle the total fee, which is the sum of the various fees plus a predetermined amount (e.g., a guarantee amount), thereby reducing the effort and cost required for settlement compared to when separate payments are requested for the various fees and the predetermined amount. In this case, for example, if separate payments are requested for the various fees and the predetermined amount and only one of them is settled due to a credit card credit limit, the various fees will be paid to the administrator terminal 10 or the user will be billed for the remaining fees or the predetermined amount, which increases processing effort. In contrast, when the total fee is settled at the payment terminal 20 as in the present embodiment described above, the various fees and the predetermined amount can be managed and processed together, thereby reducing the subsequent processing effort.

[0081] The information processing system 1 is a system including an administrator terminal 10 used for managing rental properties, a payment terminal 20 used for payments for the rental properties, and an information processing device 40 interposed between the administrator terminal 10 and the payment terminal 20. In this case, the information processing device 40 includes a first acquisition unit 42 that acquires first information about a first fee related to the rental property from the administrator terminal 10, a first billing unit 43 that transmits to the payment terminal 20 second information about a second fee obtained by adding a predetermined amount to the first fee based on the first information acquired by the first acquisition unit 42, a second acquisition unit 44 that acquires a result of the payment processing from the payment terminal 20 when payment processing is performed in the payment terminal 20 based on the second information transmitted to the payment terminal 20 by the first billing unit 43 and third information about the fee usage limit held by the payment terminal 20, and a third acquisition unit 45 that acquires from the payment terminal 20 the second fee corresponding to the second information based on the result of the payment processing in the payment terminal 20. In this case, the information processing device 40 may include a first providing unit 46 that provides the administrator terminal 10 with a first fee obtained by subtracting a predetermined amount from the second fee obtained by the third acquisition unit 45, and a second providing unit 47 that transmits the result of the payment processing obtained by the second acquisition unit 44 to the administrator terminal 10. That is, the information processing system 1 can charge the payment terminal 20 a second fee related to a predetermined object (for example, a rental property), obtain a guaranteed amount related to the rental property accordingly, and provide the first fee related to the rental property to the manager terminal 10. In other words, as an example, the information processing system 1 can appropriately pay the first fee (for example, rent, etc.) to the manager (or owner) of the property while guaranteeing the manager (or owner) the fee related to the rental of the property.

[0082] In the information processing method, the information processing device 40 (computer) executes a first acquisition step of acquiring first information regarding a rental property from the administrator terminal 10, a first billing step of transmitting second information regarding a second fee, which is a first fee based on the first information plus a predetermined amount (guarantee amount), to the payment terminal 20, a second acquisition step of acquiring the result of the payment processing from the payment terminal 20 when payment processing is performed in the payment terminal 20 based on the second information and the third information, and a third acquisition step of acquiring the second fee from the payment terminal 20 based on the result of the payment processing. In this case, the information processing method may include a first providing step of providing the first fee, which is the second fee minus a predetermined amount (guaranteed amount), to the administrator terminal 10, and a second providing step of transmitting the result of the payment processing acquired by the second acquisition step to the administrator terminal 10. That is, the information processing method bills the payment terminal 20 for the second fee related to a predetermined object (for example, a rental property), and accordingly obtains a guaranteed amount related to the rental property, while providing the first fee related to the rental property to the manager terminal 10. In other words, as an example, the information processing method can properly pay the first fee (for example, rent, etc.) to the manager (or owner) of the property while guaranteeing the manager (or owner) the fee related to the rental of the property.

[0083] The information processing program enables the information processing device 40 (computer) to realize the following functions: a first acquisition function of acquiring first information regarding a rental property from the administrator terminal 10; a first billing function of transmitting second information regarding a second fee, which is the first fee based on the first information plus a predetermined amount (guarantee amount), to the payment terminal 20; a second acquisition function of acquiring the result of the payment processing from the payment terminal 20 when payment processing is performed at the payment terminal 20 based on the second information and the third information; and a third acquisition function of acquiring the second fee from the payment terminal 20 based on the result of the payment processing. In this case, the information processing program may cause the information processing device 40 (computer) to realize a first provision function of providing the administrator terminal 10 with the first fee obtained by subtracting a predetermined amount (guaranteed amount) from the second fee, and a second provision function of transmitting the result of the payment processing acquired by the second acquisition function to the administrator terminal 10. That is, the information processing program can bill the payment terminal 20 for the second fee related to a predetermined object (for example, a rental property), obtain a guaranteed amount related to the rental property accordingly, and provide the first fee related to the rental property to the manager terminal 10. In other words, as an example, the information processing program can properly pay the first fee (for example, rent, etc.) to the manager (or owner) of the property while guaranteeing the manager (or owner) the fee related to the rental of the property.

[0084] Each unit of the information processing device 40 described above may be realized as a function of a computer's arithmetic processing unit, etc. That is, the first acquisition unit 42, the first requesting unit 43, the second acquisition unit 44, the third acquisition unit 45, the first providing unit 46, the second providing unit 47, the fourth acquisition unit 48, the third providing unit 49, the fourth providing unit 50, and the fifth providing unit 51 of the information processing device 40 may be realized as a first acquisition function, a first requesting function, a second acquisition function, a third acquisition function, a first providing function, a second providing function, a fourth acquisition function, a third providing function, a fourth providing function, and a fifth providing function, respectively, by a computer's arithmetic processing unit, etc. The information processing program can cause a computer to realize each of the above-described functions. The information processing program may be recorded on a computer-readable non-transitory recording medium such as an external memory or an optical disk. Furthermore, as described above, each unit of the information processing device 40 may be realized by a computer's arithmetic processing device or the like. The arithmetic processing device or the like is configured, for example, by an integrated circuit or the like. Therefore, each unit of the information processing device 40 may be realized as a circuit constituting the arithmetic processing device or the like. That is, the first acquisition unit 42, the first requesting unit 43, the second acquisition unit 44, the third acquisition unit 45, the first providing unit 46, the second providing unit 47, the fourth acquisition unit 48, the third providing unit 49, the fourth providing unit 50, and the fifth providing unit 51 of the information processing device 40 may be realized as a first acquisition circuit, a first requesting circuit, a second acquisition circuit, a third acquisition circuit, a first providing circuit, a second providing circuit, a fourth acquisition circuit, a third providing circuit, a fourth providing circuit, a fourth providing circuit, and a fifth providing circuit constituting the computer's arithmetic processing device or the like. The communication unit 52 of the information processing device 40 may be realized as a communication function including the functions of an arithmetic processing device, for example. The communication unit 52 of the information processing device 40 may be realized as a communication circuit by being configured with an integrated circuit, for example. The communication unit 52 of the information processing device 40 may be configured as a communication device by being configured with a plurality of devices, for example. In addition, the billing unit, acquisition unit, and remittance processing unit of the information processing device 40 may be realized as a billing function, acquisition function, and remittance processing function of a computer's arithmetic processing circuit, etc., or may be configured as a billing circuit, acquisition circuit, and remittance processing circuit of a computer's arithmetic processing circuit, etc. [Explanation of symbols]

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

Claims

1. An information processing device used to guarantee the payment obligations of various fees related to a specific transaction, a receiving unit for receiving amount information relating to the amounts of the various fees; a remittance processing unit that remits the amount of the various fees to an administrator terminal used for managing a predetermined object; a billing unit that transmits total amount information to the payment terminal, the total amount being obtained by adding a predetermined amount to the amount information; a result acquisition unit that acquires a result of the payment process from the payment terminal when the payment process is performed at the payment terminal based on the total amount information transmitted to the payment terminal by the billing unit and information related to the fee usage limit held by the payment terminal; Equipped with An information processing device, wherein if the result acquisition unit determines that the result is not possible or that the account transfer is not possible, a guarantee obligation performance process is initiated.

2. An information processing device as described in claim 1, comprising: a payment method acquisition unit that acquires information regarding a payment method from a user terminal of a user who uses a specified target; a change confirmation information providing unit that, based on the result of the payment processing acquired by the result acquisition unit, if the result acquisition unit determines that a result is not possible or that automatic transfer is not possible, sends information to the user terminal regarding confirmation of a change to the payment method based on the information regarding the payment method; and a payment method change providing unit that, when information requesting a change to the payment method is acquired in response to the change confirmation information providing unit sending information regarding the payment method to the user terminal, sends information regarding the payment change in response to the information requesting a change to the payment method.

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