Abstract: An information processing device according to the present disclosure includes a processor having hardware. The processor extracts an area that a user has passed based on location information of a device that moves with the user, acquires donation information of the extracted area, to create guidance information including the acquired donation information, and displays the guidance information on a user terminal of the user.

Abstract: An information processing apparatus includes a processor having hardware. The processor is configured to create distribution information including a privilege according to an area contribution degree in a visit area at a first distance or more from a residential area of a user based on an activity history of the user and displays the distribution information on a user terminal of the user.

Abstract: An information processing apparatus includes a processor having hardware. The processor is configured to calculate a total score of a borrower who desires to use a lending service, based on a use record score determined by a use record of the borrower in the lending service and a credibility score determined by a payment record of each settlement means, output the total score of the borrower to a terminal of the lender, and output a lending permission and inhibition result to a terminal of the borrower according to response information acquired from the terminal of the lender.