JP2019175430A - Information processing apparatus, information processing method, and program therefor - Google Patents

Abstract

To allow financial institutions and the like to lend money to a third party based on money to be scheduled to receive.SOLUTION: An information processing apparatus comprises an acquiring unit 10 for acquiring specific transaction information including order information from an ordering person and information of a received order or agreement information from a contractor, a payment information receiving unit 20 for receiving first payment information relating to first payment from a third party, and a controlling unit 50 for associating the first payment information and the specific transaction information with each other and for allowing money based on the first payment to be used for payment related to the specific transaction information.SELECTED DRAWING: Figure 1

Description

  The present invention relates to an information processing apparatus, an information processing method, and a program.

  Conventionally, financial institutions have lent money to target companies. When lending money, we lend money based on the results of the target company, financial statements, etc. As an example, Patent Document 1 discloses a credit rating device that analyzes a company's financial statements including a balance sheet, a profit and loss statement, a sales / general administrative expenses item, and a manufacturing cost item and performs a credit rating of the company. Has been proposed.

  However, these were based on past information. For example, when a large order is entered, necessary expenses such as material costs are required to receive and deliver the large order. On the other hand, since a large order is future information, it is not possible to receive a loan of money, to obtain funds to receive the large order, and to receive the large order. is there.

JP 2009-104658 A

  The present invention has been made in consideration of such points, and an information processing apparatus that allows a third party such as a financial institution to lend on the basis of money scheduled to be deposited in the future, An information processing method and program are provided.

An information processing apparatus according to the present invention includes:
An acquisition unit for acquiring specific transaction information including order information from the orderer, order information from the contractor, or contract information;
A deposit acceptance unit that accepts first deposit information related to the first deposit from a third party,
A control unit that associates the first deposit information with the specific transaction information, and enables money based on the first deposit to be used for payment related to the specific transaction information;
May be provided.

In the information processing apparatus according to the present invention,
The deposit acceptance unit accepts second deposit information related to a second deposit for the specific transaction information from the orderer,
The control unit may allocate money from the second deposit to payment for the first deposit.

In the information processing apparatus according to the present invention,
The control unit may allocate money from the second deposit to payment for the first deposit, and deposit the remaining amount into the account of the contractor of the specific transaction information.

In the information processing apparatus according to the present invention,
The control unit may use money based on the first deposit only for payment related to the specific transaction information.

In the information processing apparatus according to the present invention,
The specific transaction information may include the contract information.

In the information processing apparatus according to the present invention,
The control unit may permit the use of money in the first deposit only for payment related to the raw material of the product or the purchased product in the specific transaction information.

In the information processing apparatus according to the present invention,
The control unit may determine the amount, fee, or interest rate of the first deposit using the amount in the specific transaction information.

In the information processing apparatus according to the present invention,
8. The information processing according to claim 1, wherein the control unit determines an amount, a fee, or an interest rate of the first deposit using credit information of the orderer and the contractor. apparatus.

In the information processing apparatus according to the present invention,
The storage unit stores transaction performance information in the user,
The control unit may determine an amount, a fee, or an interest rate of the first deposit using the transaction result information.

An information processing apparatus according to the present invention includes:
A transmission unit for sending invitation information from the user;
A receiving unit that receives approval information based on the invitation information from a non-user; and
The use of the non-user may be permitted by the control unit receiving the approval information.

In the information processing apparatus according to the present invention,
The acquisition unit acquires invoice information about an invoice and third deposit information about a third deposit that is payment for the invoice;
The control unit may determine that payment for the bill has been completed when it is determined that the amount in the bill information matches the amount in the third deposit information.

An information processing method according to the present invention includes:
In the acquisition unit, acquiring specific transaction information including order information from the orderer, order information from the contractor, or contract information;
In the deposit acceptance unit, receiving the first deposit information related to the first deposit from a third party,
Associating the first deposit information with the specific transaction information and enabling money based on the first deposit for payment related to the specific transaction information;
May be provided.

The program according to the present invention is:
A program for causing an information processing apparatus to execute an information processing method,
The information processing method includes:
In the acquisition unit, acquiring specific transaction information including order information from the orderer, order information from the contractor, or contract information;
In the deposit acceptance unit, receiving the first deposit information related to the first deposit from a third party,
Associating the first deposit information with the specific transaction information and enabling money based on the first deposit for payment related to the specific transaction information;
May be included.

  In the present invention, specific transaction information including order information from the orderer, order information from the contractor or contract information is acquired, the first deposit information and the specific transaction information are associated, and money based on the first deposit is specified When adopting an aspect that can be used for payment related to information, a third party such as a financial institution can lend money on the basis of specific transaction information. For this reason, a third party such as a financial institution can lend on the basis of money scheduled to be deposited in the future.

1 is a block diagram of an information processing apparatus according to an embodiment of the present invention. The figure for demonstrating the information processing aspect by embodiment of this invention. Another figure for demonstrating the information processing aspect by embodiment of this invention.

Embodiment << Configuration >>
Embodiments according to the present invention will be specifically described below with reference to the drawings. In the following description, “or” also includes the meanings of “and”, and “A or B” means any of A, B, and A and B.

  The information processing apparatus according to the present embodiment is generated by installing a program such as a server program. This program may be distributed by e-mail, may be obtained by logging in after accessing a predetermined URL, or may be recorded on a recording medium. The information processing method of the present embodiment is performed by an information processing apparatus in which the program is installed.

  The information processing apparatus according to the present embodiment may be configured from a single apparatus, but may be configured from a plurality of apparatuses. When the information processing device is composed of a plurality of devices, the devices constituting the information processing device may be installed in different rooms or different places, and a part of the information processing device and the rest of the information processing device may be remotely located. May be arranged.

  As shown in FIG. 1, the information processing apparatus according to the present embodiment includes an acquisition unit 10 that acquires specific transaction information including order information from an orderer, order information from a contractor, or contract information, and a third party. The first deposit information receiving unit 20 for receiving the first deposit information, the first deposit information and the specific transaction information are associated with each other, and the money based on the first deposit can be used for the payment related to the specific transaction information. And a control unit 50. A settlement infrastructure may be configured by such an information processing apparatus.

The information processing apparatus may include a transmission unit 30 that transmits various information to a user and the like, and a reception unit 35 that receives various information from the user and the like. Information is transmitted from the first user (for example, the ordering company A shown in FIG. 2) to the second user (for example, the order receiving company B shown in FIG. 2). Upon completion, the information may be stored in the storage unit 60, and the input unit may be notified to the second user from the transmission unit 30. Similarly, in the transmission of information from the second user to the first user, when the second user inputs information to the settlement infrastructure and the input is completed, the information is stored and input in the storage unit 60. A message may be sent from the transmission unit 30 to the first user. A user is an orderer, a purchaser, a contractor, or the like, and is a person who uses the information processing apparatus of the present embodiment.

  Examples of information received by the receiving unit 35 from one user and transmitted by the transmitting unit 30 to another user include, for example, estimate information, ordering information, order information, delivery request information, delivery information, acceptance information, billing information, Various information such as payment information can be listed. Transmission and reception of information between users may be performed via the cloud.

  The control unit 50 may perform automatic accounting journals from the detailed transaction data of each user. For example, using the billing information, payment information, purchase information, payment information, etc., sales, purchase, Payment, payment, etc. may be automatically entered (see FIG. 3).

  The storage unit 60 may store member management information such as member receipt / shipment information and inventory information. The control unit 50 may update the member management information when a member is received or shipped.

  As shown in FIG. 3, the storage unit 60 includes information on transaction results, information on salary, bonus, year-end adjustment, etc. (shown as “salary etc.” in FIG. 3), information on expense adjustment, subcontracting adjustment, In FIG. 3, it is shown as “expense / outsourcing”), for example, accounting data in the XBRL format (shown as “accounting data” in FIG. 3) may be stored. The control unit 50 may automatically perform the accounting journal (indicated as “automatic sorting” in FIG. 3). Various data such as accounting data may be stored in the storage unit 60 as monitoring information for use by a third party such as a financial institution. Moreover, the control part 50 may evaluate transaction execution power based on the information regarding transaction results, such as a payment performance and an inspection result. Note that the transaction results may include various kinds of performance information such as orders, orders, sales, purchases, accounts receivable, accounts payable, deposits, payments, and the like. In FIG. 2, a control unit 50 having an artificial intelligence function is shown, and it is schematically shown that the control unit 50 performs credit using transaction result information including various information from estimation to settlement. Has been shown.

  In response to a request from each user, the control unit 50 may execute payment of accounts payable, expenses, salary, bonuses, etc., or reserve payment. When a fund transfer reservation is made in this way, payment to the account where payment is made or payment according to the reservation is made without logging in to the website prepared by a third party such as a financial institution via the login screen. Processing may be performed.

  The storage unit 60 may store various information such as estimate information, order information, order information, delivery request information, delivery information, inspection information, billing information, and payment information for each user as transaction result information. The control unit 50 may evaluate the transaction execution power of the user using these pieces of information. As an example, even if the transaction execution ability of the first user and the second user is evaluated using the payment result of the first user who is the ordering person, the inspection result of the second user who is the ordering party, etc. Good. And you may make it determine the amount of money of a 1st deposit, a fee, or an interest rate using transaction execution power. In the case of adopting such a mode for evaluating the transaction execution capability, credit can be performed by looking at the entire transaction, and the creditworthiness can be evaluated with higher accuracy.

  A series of commercial transactions using an information processing apparatus that is a settlement platform may be stored in the storage unit 60. Then, the control unit 50 uses the evaluation model to index service performance results in commercial transactions such as inspection results such as inspection and re-delivery inspection results, delivery rate compliance rate such as on-time delivery results, and accounts receivable collection results. You may evaluate transaction execution power.

  The control unit 50 may have an artificial intelligence function (AI function). In this case, the transaction execution capability may be evaluated by applying information related to the transaction targeted by the control unit 50 to the transaction credit model in which the employment variable and the employment coefficient are determined based on past results.

  The deposit acceptance unit 20 may accept second deposit information related to the second deposit for the specific transaction information from the orderer (see FIG. 2). The control unit 50 may allocate money for the second deposit to payment for the first deposit.

  The control unit 50 may allocate money from the second deposit to payment for the first deposit, and deposit the remaining amount into the account of the contractor in the specific transaction information.

  The control unit 50 may use money based on the first deposit only for payment related to the specific transaction information. As an example, the control unit 50 may permit the use of money in the first deposit for only payment related to the raw material of the product or the purchased product in the specific transaction information. Whether or not the payment is related to specific transaction information, when making a deposit using the first deposit, the user requesting the deposit examines the third party, such as a financial institution, through the settlement infrastructure. You may make it apply. A person in charge of a third party may conduct an examination, and if it passes the examination, it may be recognized as “pay related to specific transaction information”.

  The acquisition unit 10 may acquire order information for order information. The control unit 50 may associate the first deposit information with the order information and the order information, and may use money based on the first deposit for the payment associated with the order information and the order information.

  The control unit 50 may determine the amount, fee, or interest rate of the first deposit using the amount in the specific transaction information. In addition, the control unit 50 may determine the amount, fee or interest rate of the first deposit using the credit information of the orderer and the contractor.

  An example according to this embodiment will be described below. In the following, as an example, a mode in which the settlement infrastructure of the present embodiment is configured by the information processing apparatus of the present embodiment will be described with reference to FIG.

  In response to a request from the ordering company A, the ordering company B transmits an estimate to the ordering company A via the settlement infrastructure (information processing apparatus) according to the present embodiment (see S1 in FIG. 2). At this time, the payment conditions may be presented from the order receiving company B to the ordering company A via the payment platform. Transmission using the payment infrastructure may be performed by the transmission unit 30, and reception using the payment infrastructure may be performed by the reception unit 35.

  The ordering company A that has confirmed the estimate sends the purchase order to the ordering company B via the settlement infrastructure (see S2 in FIG. 2).

  The order receiving company B that has received the purchase order transmits an order confirmation to the ordering company A via the settlement infrastructure (see S3 in FIG. 2).

  The ordering company A that has received the order confirmation requests the ordering company B for delivery via the settlement platform (see S4 in FIG. 2). It is considered that the contract has been closed by this delivery request.

  Based on such a contract, a third party such as a financial institution lends money to the contracting company B, for example, deposits (first deposit) into the account of the contracting company B (S5 in FIG. 2). reference). When such first deposit is made, the contents may be notified to the order receiving company B via the settlement infrastructure.

  The order receiving company B, which has received an inquiry from the ordering company A, requests the purchase company C for an estimate. This estimate request may also be transmitted via the settlement infrastructure.

  In response to a request from the order receiving company B, the purchasing company C transmits an estimate to the order receiving company B via the settlement infrastructure (see S11 in FIG. 2). At this time, the payment conditions may be presented from the purchase company C to the order-receiving company B via the payment platform.

  The order receiving company B confirming the estimate sends the purchase order to the purchasing company C via the settlement infrastructure (see S12 in FIG. 2).

  The purchasing company C that has received the purchase order transmits an order confirmation to the order receiving company B via the settlement infrastructure (see S13 in FIG. 2).

  The order receiving company B that has received the order confirmation requests the purchasing company C for delivery via the settlement infrastructure (see S14 in FIG. 2). It is considered that the contract has been closed by this delivery request.

  Based on such a contract, a part or all of the first deposit made by a third party such as a financial institution to the contracting company B is managed as a deposit for payment to the purchasing company C on the settlement platform. (See S15 in FIG. 2). When such a deposit is made, the contents may be notified to the purchasing company C via the settlement infrastructure. The square (□) in FIG. 2 indicates that the loan has been deposited on the settlement base. In FIG. 2, the upper square and the lower square are shown separately, but are managed as the same deposit on the settlement infrastructure. However, the deposit is not limited to such a mode, and the deposit deposited as the first deposit may be moved as another deposit, or may be divided into a plurality of deposits and used for payment for transactions. Good.

  When the ordered product or the like is manufactured, the purchasing company C transmits a delivery note together with the product or the like to the order receiving company B via the settlement base (see S21 in FIG. 2). At this time, the sales to the order receiving company B are recorded in the purchasing company C, and the purchase from the purchasing company C is recorded in the order receiving company B.

  The order receiving company B transmits the inspection certificate information to the purchasing company C via the settlement base (see S22 in FIG. 2). When the receipt information is sent in this way, payment with the loan that has been deposited is permitted. When such an aspect is adopted, the use of loans is permitted after the acceptance has been completed and the possibility of collection is high, so a third party such as a financial institution may expect a high collection rate. it can. Further, since the use of the loan is permitted before the second deposit is actually made, the purchasing company C can receive money at an earlier stage. Note that the circles (◯) in S22 and S32 in FIG. 2 indicate that the verification information is transmitted via the settlement infrastructure.

  The purchasing company C that has received the receipt information transmits the invoice to the order receiving company B via the settlement infrastructure (see S23 in FIG. 2). In response to the billing in this bill, a part or all of the deposited first deposit is used for settlement (see S24 in FIG. 2). In the billing from the purchase company C to the ordering company B, if the deposited amount is insufficient, the ordering company B pays the purchase company C for the shortage. When payment is made, the contents may be notified from the payment platform to the contracting company B. If the entire amount deposited as a deposit is not used, the remaining amount will remain on the settlement platform. With respect to this remaining amount, the order receiving company B may be able to withdraw it freely after the settlement has been made. Further, the deposited amount may be used for a plurality of transactions, and may be used for payment for the first purchase and payment for the second purchase, for example. When used for a plurality of transactions, it may be allocated according to the amount of payment, or for example, the order of transactions in which the order receiving company B is paid with a priority may be determined.

  When the ordered product or the like is manufactured, the order receiving company B transmits a delivery note together with the product or the like to the ordering company A via the settlement infrastructure (see S31 in FIG. 2). At this time, the ordering company B records the sales to the ordering company A, and the ordering company A records the purchase from the ordering company B.

  The ordering company A transmits the verification information to the ordering company B via the settlement infrastructure (see S32 in FIG. 2).

  The order receiving company B that has received the verification information transmits the invoice to the ordering company A via the settlement infrastructure (see S33 in FIG. 2). In response to the billing in the invoice, the ordering company A pays to the ordering company B and is settled (see S34 in FIG. 2). Part (in some cases, all) of the payment (second payment) paid from the ordering company A to the ordering company B is paid to a third party such as a financial institution that lent the ordering company B ( (See S41 in FIG. 2). Of the second deposit, the remaining amount paid to a third party such as a financial institution is transferred to the account of the contracting company B (see S42 in FIG. 2). When payment is made, the contents may be notified from the payment platform to the contracting company B.

Depositing may be performed via a remittance system 90 in a financial institution. In the mode shown in FIG. 2, the deposit by the first deposit (see S5 in FIG. 2) and the payment by the second deposit to the financial institution and the order receiving company B (see S41 and S42 in FIG. 2) are performed via the remittance system 90. ing.

"effect"
Next, the effects of the present embodiment having the above-described configuration that have not been described will be mainly described. Note that any configuration described in “Effects” can be used as the configuration of the present embodiment.

  In the present embodiment, specific transaction information including order information from the orderer, order information from the contractor or contract information is acquired, the first deposit information and the specific transaction information are associated, and money based on the first deposit is obtained. When adopting an aspect that enables use for payment related to specific transaction information, a third party such as a financial institution can lend money on the basis of the specific transaction information. This makes it easier for users to receive loans related to costs required for delivery based on orders, and prevents the loss of business opportunities due to lack of cash at the time of order placement or the inability to receive loans. . On the other hand, as a financial institution, it becomes easy to obtain a valuable credit opportunity with high reliability based on specific transaction information. In addition, from a third party such as a financial institution, the money is lent in anticipation of the payment from the ordering company (second payment). For example, in the case of a large company, it is possible to lend to an order receiving company that is a contractor with high credit.

  If the deposit acceptance unit 20 accepts the second deposit information related to the second deposit with respect to the specific transaction information from the orderer, and the control unit 50 adopts an aspect in which the money received by the second deposit is used for the payment for the first deposit, A third party such as an institution can more reliably collect the loaned money (first deposit). For this reason, a third party such as a financial institution becomes easy to lend.

  When the control unit 50 adopts a mode in which money from the second deposit is used for payment for the first deposit and the remaining amount is deposited in the account of the contractor of the specific transaction information, the money by the second deposit is automatically given. It can be used for the payment for the first deposit, and a third party such as a financial institution can more reliably collect the financed money (first deposit), making it easier to lend.

When the control unit 50 adopts a mode in which money based on the first deposit can be used only for payment related to the specific transaction information, the purpose is different from the purpose lent by a third party such as a financial institution. Money can be prevented from being used for the purpose, the possibility of the second deposit being made more reliably, and the collection of funds by a third party such as a financial institution can be made more reliable.

  When the acquisition unit 10 acquires the contract information, the control unit 50 associates the first deposit information with the contract information, and adopts a mode in which money based on the first deposit can be used for payment related to the contract information. This is advantageous in that a third party such as a financial institution can make a loan decision based on the contract information with a high degree of certainty that the contract is concluded and the money is paid.

  When the control unit 50 adopts an aspect that permits the use of money in the first payment for only payment related to the raw material of the product or the purchased product in the specific transaction information, the use of the first payment is set to the product. Limited to payments related to raw materials or purchased goods. Payments related to commodity raw materials or purchased goods may require significant costs. Especially for large orders, the costs associated with payments related to raw materials or purchased goods can be significant. Even if an order that requires raw materials or purchased products is received, this mode can be used to eliminate business opportunities due to lack of cash at the time of order placement or failure to receive a loan. Can be prevented. On the other hand, as a financial institution, it is beneficial in that the use can be limited to payment related to raw materials or purchased goods.

  When the control unit 50 adopts an aspect in which the amount of the first deposit, the fee or the interest rate is determined using the amount in the specific transaction information, the amount of the first deposit according to the amount of the expected deposit (second deposit). , Fees or interest rates can be determined. The amount, fee or interest rate of the first deposit may be automatically calculated from the amount in the specific transaction information and presented to a third party. If the amount, fee or interest rate is acceptable, the person in charge of the financial institution as a third party may approve the loan at the amount, fee or interest rate. On the other hand, if it is necessary to change the calculated amount, fee, or interest rate, the amount, fee, or interest rate may be changed if desired.

  When the control unit 50 adopts a mode in which the amount, fee or interest rate of the first deposit is determined using the credit information of the orderer and the contractor, the first deposit is determined based on the credit information of the orderer and the contractor. Amount, fee or interest rate can be determined. The amount, fee or interest rate of the first deposit may be automatically calculated from the orderer and the contractor's credit information and presented to a third party. If the amount, fee or interest rate is acceptable, the third party may approve the loan with the amount, fee or interest rate, and may change it if the amount, fee or interest rate is to be changed.

  The control unit 50 has an artificial intelligence function (AI function), and the control unit 50 determines the amount, fee or interest rate of the first deposit from the amount in the specific transaction information and the credit information of the orderer and / or the contractor. Also good. When such an aspect is adopted, a third party person in charge such as a financial institution can grasp an appropriate loan amount, fee or interest rate based on the past performance, and more appropriate loan amount, fee or interest rate can be obtained. Can be easily determined.

When the storage unit 60 stores transaction result information for the user and the control unit 50 adopts an aspect in which the amount, fee or interest rate of the first deposit is determined using the transaction result information, past transaction result information is used. Can also be credited, and creditworthiness can be evaluated with higher accuracy. As described above, when the control unit 50 has an artificial intelligence function (AI function), estimate information, ordering information, order information, and delivery using the adoption variable and the employment coefficient generated based on past results. An appropriate loan amount, fee or interest rate may be calculated from transaction performance information including request information, delivery information, acceptance information, billing information, payment information, and the like. In addition, when using transaction result information in this way, the control unit 50 calculates an appropriate loan amount, fee or interest rate in consideration of the orderer information, the orderee information, the first deposit amount information, and the like. It may be. However, the control unit is not limited to such an aspect, and the control unit does not use the orderer information, the contractor information, the amount information of the first deposit, etc. You may make it calculate an interest rate.

  In the information processing apparatus according to the present embodiment, the invitation information from the user is transmitted, the approval information based on the invitation information from the non-user is received, and the control unit 50 receives the approval information. You may make it employ | adopt the aspect in which use is permitted. When such an aspect is adopted, it is possible to prompt the non-user to use the information processing apparatus in accordance with a recommendation from an existing user. As a premise for adopting this mode, the use of the information processing apparatus is restricted, and in order to use the information processing apparatus, it may be necessary to make a contract with an administrator of the information processing apparatus in advance. In this case, the non-user cannot basically use the information processing apparatus according to the present embodiment unless he / she makes a contract with the administrator. However, regarding the non-user to whom the user has transmitted the invitation information, the use of the information processing apparatus according to the present embodiment may be permitted in a mode in which the function is limited. By adopting such an aspect, it is possible to increase the number of potential users, and as an administrator of the information processing apparatus, it is possible to increase opportunities for acquiring customers.

  In addition, the invitation system from existing users is also beneficial in that the use by non-users with a certain degree of reliability can be promoted.

  The control unit 50 manages the accounts receivable and / or accounts payable for each user, and when the payment for the accounts receivable is received, the accounts receivable is cleared, and when the accounts payable is paid, the accounts payable You may make it erase automatically (refer FIG. 3). More specifically, the invoice information relating to the invoice and the third deposit information relating to the third deposit that is the payment for the invoice may be acquired. Then, when the control unit 50 determines that the amount in the invoice information matches the amount in the third deposit information, the control unit 50 may determine that payment for the invoice has been completed. When such an aspect is adopted, accounts receivable and accounts payable can be cleared based on the actual deposit, and if it was previously, the work that had been completed by one person is automatically completed. It is beneficial in that it can be done with.

  When this aspect is adopted, it is possible to promote the securing or use of an account used as a deposit account or a payment account in a financial institution. For this reason, it is useful for financial institutions to be able to expect fee income.

  Each component including the acquisition unit 10, the deposit acceptance unit 20, the control unit 50, etc. of each of the above embodiments is realized by a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit such as an IC chip or LSI. Alternatively, it may be realized by software using a CPU, a memory, or the like. Each component may be realized by one or a plurality of integrated circuits, and a plurality of components may be realized by one integrated circuit.

  The description of each embodiment and the disclosure of the drawings described above are merely examples for explaining the invention described in the claims, and the claims are made by the description of the above-described embodiments or the disclosure of the drawings. The described invention is not limited.

DESCRIPTION OF SYMBOLS 10 Acquisition part 20 Deposit acceptance part 30 Transmission part 35 Reception part 50 Control part 60 Storage part

Claims (13)

An acquisition unit for acquiring specific transaction information including order information from the orderer, order information from the contractor, or contract information;
A deposit acceptance unit that accepts first deposit information related to the first deposit from a third party,
A control unit that associates the first deposit information with the specific transaction information, and enables money based on the first deposit to be used for payment related to the specific transaction information;
An information processing apparatus comprising: The deposit acceptance unit accepts second deposit information related to a second deposit for the specific transaction information from the orderer,
The information processing apparatus according to claim 1, wherein the control unit allocates money from the second deposit to payment for the first deposit.   3. The information processing apparatus according to claim 2, wherein the control unit allocates money from the second deposit to payment for the first deposit, and deposits the remaining amount into an account of a contractor of the specific transaction information. .   4. The information processing according to claim 1, wherein the control unit can use money based on the first deposit only for payment related to the specific transaction information. 5. apparatus.   The information processing apparatus according to claim 1, wherein the specific transaction information includes the contract information.   The said control part permits use of money in said 1st payment only for the payment relevant to the raw material of the goods in the said specific transaction information, or the purchased goods. The information processing apparatus according to item 1.   The information processing apparatus according to claim 1, wherein the control unit determines an amount, a fee, or an interest rate of the first deposit using an amount in the specific transaction information.   8. The information processing according to claim 1, wherein the control unit determines an amount, a fee, or an interest rate of the first deposit using credit information of the orderer and the contractor. apparatus. The storage unit stores transaction performance information in the user,
The information processing apparatus according to claim 1, wherein the control unit determines an amount, a fee, or an interest rate of the first deposit using the transaction record information. A transmission unit for sending invitation information from the user;
A receiving unit that receives approval information based on the invitation information from a non-user; and
The information processing apparatus according to claim 1, wherein use of the non-user is permitted when the control unit receives the approval information. The acquisition unit acquires invoice information about an invoice and third deposit information about a third deposit that is payment for the invoice;
The control unit determines that payment for the invoice has been completed when it is determined that the amount in the invoice information matches the amount in the third deposit information. The information processing apparatus according to any one of 10. In the acquisition unit, acquiring specific transaction information including order information from the orderer, order information from the contractor, or contract information;
In the deposit acceptance unit, receiving the first deposit information related to the first deposit from a third party,
Associating the first deposit information with the specific transaction information and enabling money based on the first deposit for payment related to the specific transaction information;
An information processing method comprising: A program for causing an information processing apparatus to execute an information processing method,
The information processing method includes:
In the acquisition unit, acquiring specific transaction information including order information from the orderer, order information from the contractor, or contract information;
In the deposit acceptance unit, receiving the first deposit information related to the first deposit from a third party,
Associating the first deposit information with the specific transaction information and enabling money based on the first deposit for payment related to the specific transaction information;
The program characterized by including.

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