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

Abstract

To smoothly operate postpaid type cashless settlement.SOLUTION: An information processing device includes an acquisition part 131, a specification part, and a determination part. The acquisition part acquires information showing a repayment state of a postpaid use charge corresponding to a user being a transmission source of a screen display request from another device managed by a business operator operating settlement services which are other services associated with an electronic settlement service and provide a user of the electronic settlement service with a postpaid type payment method through the electronic settlement service in the case of receiving the screen display request of an application for settlement. The specification part specifies a present state of the user related to payment of the postpaid use charge when the acquisition part acquires, as information showing the payment state, information showing that the user corresponds to an unpaid user who does not complete the payment of the postpaid use charge. The determination part determines a display mode of a screen of the application for settlement according to the present state of the user specified by the specification part.SELECTED DRAWING: Figure 2

Description

[Technical field]

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

[0002] Traditionally, cashless payment methods have been widely recognized by consumers, mainly in commercial transactions between companies and individuals. In particular, electronic payment services that are conducted online using personal user devices such as smartphones have become widely accepted among consumers due to their convenience.

[0003] In addition, for example, with regard to post-payment cashless payments such as credit cards, technologies have been proposed that provide a system that makes it easy for users to pay while also achieving both customer satisfaction and improved collection rates. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2011-108221 A Summary of the Invention [Problem to be solved by the invention]

[0005] However, the above-mentioned conventional technologies have room for improvement in terms of ensuring smooth operation of post-payment type cashless payments.

[0006] The present application has been made in consideration of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can ensure smooth operation of post-payment type cashless payment. [Means for solving the problem]

[0007] The information processing device according to the present application is an information processing device that executes processing related to an electronic payment service that allows a user to select a deferred payment method as a payment method for a transaction object when using code payment using predetermined code information, and includes an acquisition unit, a specification unit, and a determination unit. When the acquisition unit receives a screen display request for a payment application for making a payment by code payment from a user, the acquisition unit acquires information indicating a repayment status of a deferred payment charge corresponding to the user who is the sender of the screen display request from another device managed by a business that operates a payment service that is linked to the electronic payment service and provides a deferred payment method to users of the electronic payment service through the electronic payment service. When the acquisition unit acquires information indicating the repayment status that the user is an unpaid user who has not completed repayment of the deferred payment charge, the specification unit specifies the user's current status regarding repayment of the deferred payment charge. The determination unit determines the display mode of the screen of the payment application according to the current status of the user specified by the specification unit. Effect of the Invention

[0008] According to one aspect of the embodiment, it is possible to achieve the effect of ensuring smooth operation of post-payment type cashless payment. [Brief description of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram for explaining an overview of information processing according to the embodiment. [Diagram 2] FIG. 2 is a diagram illustrating an example of the configuration of the payment server according to the embodiment. [Diagram 3] FIG. 3 is a diagram illustrating an example of user information stored in a user information storage unit according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of the display mode information stored in the display mode information storage unit according to the embodiment. [Diagram 5] FIG. 5 is a flowchart illustrating an example of a processing procedure of the information processing executed by the payment server according to the embodiment. [Figure 6]FIG. 6 is a hardware configuration diagram illustrating an example of a computer that realizes the functions of the payment server according to the embodiment or the modification. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] Hereinafter, the information processing device, the information processing method, and the information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, the information processing method, and the information processing program according to the present application are not limited to the embodiments. In addition, the same parts in the following embodiments are given the same reference numerals, and duplicated descriptions are omitted.

[0011] 1. Embodiment (1-1. System Configuration) Hereinafter, the information processing according to the embodiment will be specifically described. First, before describing the information processing according to the embodiment, an example of the configuration of the information processing system SYS will be described with reference to FIG.

[0012] As shown in Fig. 1, the information processing system SYS according to the embodiment includes a user terminal 10, a payment server 100, and a credit card server 200. The user terminal 10, the payment server 100, and the credit card server 200 are connected to a network N (see Fig. 2, for example) by wire or wirelessly. The user terminal 10, the payment server 100, and the credit card server 200 can communicate with other devices via the network N. The network N is, for example, a WAN (Wide Area Network) such as the Internet.

[0013] The user terminal 10 shown in Fig. 1 is an information processing terminal used by a service user UA who is a user of an electronic payment service provided by a business operator who operates and manages the payment server 100. The user terminal 10 is realized, for example, by a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. The user terminal 10 displays information distributed by the payment server 100 by a web browser or an application. Note that Fig. 1 illustrates an example in which the user terminal 10 is a smartphone.

[0014] In addition, the user terminal 10 is installed with a user application program (hereinafter, appropriately referred to as a "payment app") for using code payment (also referred to as "smartphone payment") provided to the service user UA as one of the cashless payment methods. When the user terminal 10 receives control information for realizing a predetermined information processing through the payment app from the payment server 100, the user terminal 10 realizes the information processing according to the control information. Here, the control information is described in, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a markup language such as HTML (HyperText Markup Language). Note that the predetermined application itself delivered from the payment server 100 may be regarded as the control information.

[0015] The payment server 100 shown in Fig. 1 is an information processing device operated and managed by an electronic payment service provider UB (hereinafter referred to as "service provider UB") that provides electronic payment services. The payment server 100 may be realized by a mainframe, a workstation, or the like. In addition, when the payment server 100 is configured by a server device, it may be realized by a single server device, or may be realized by a cloud system in which multiple server devices and multiple storage devices operate in cooperation with each other.

[0016] Electronic payment services are provided to each service user through the above-mentioned payment app. For example, the payment app has various functions related to payments by code payment and additional functions related to the electronic payment service. Additional functions include a function to check transaction history, a function to search for nearby stores, and a function to manage user accounts. Electronic payment services can also be said to be services that provide a predetermined transaction method that controls the exchange of electronic money by code payment.

[0017] In addition, the payment server 100, in conjunction with a payment application running on the user terminal 10, executes various processes related to the electronic payment service provided, for example, through a dedicated online system. For example, the payment server 100 distributes the payment application to those who wish to use the electronic payment service, and provides the electronic payment service on the condition that a predetermined procedure in the payment application is completed. In addition, when the payment server 100 accepts a transaction request from the payment application via an interface dedicated to the payment application (for example, various operation screens displayed on the user terminal 10 by the function of the payment supplement), it executes information processing including a remittance process of electronic money between accounts according to the transaction request. The payment application transmits transaction information including information such as the payment destination, the payment source, and the payment amount to the payment server 100. In addition to the above-mentioned information, the transaction information may include information such as a transaction code for individually identifying the transaction and date and time information (i.e., a timestamp) for identifying the date and time when the transaction was performed.

[0018] Furthermore, electronic payment services offer multiple payment methods that service users can choose from when using code payment, such as "balance payment," "deferred payment," and "credit card payment." "Deferred payment" and "credit card payment" are deferred payment methods that service users UA of electronic payment services can choose when using code payment to pay for the price of a transaction. Note that in the following explanation, "deferred payment" and "deferred payment" are synonymous and are merely alternative terms for the sake of convenience.

[0019] For example, when the service user UA selects "balance payment," the payment server 100 immediately settles the price of the transaction by transferring an amount of electronic money equivalent to the price of the transaction from the money balance, which is the balance of electronic money held by the service user UA, to the payment destination account.

[0020] In addition, if a credit card service provider UC (hereinafter referred to as the "service provider UC"), which will be described later, is the operating company of the credit card registered by the service user UA in the payment application, the service provider UB cooperates with the service provider UC to realize the payment process when the service user UA selects "credit card payment". In other words, the credit card service provided by the service provider UC to the service user UA is an example of another service that cooperates with the electronic payment service provided by the service provider UB to the service user UA. When collaborating, the service providers UB and UC link information about each other's customers by ID collaboration or the like. The information about each other's customers includes identification information given to each service user in each service and bank account information used for settling various charges. For example, the service providers UB and UC may manage common identification information between the providers as information for identifying the same customer. Furthermore, identification information uniquely assigned to a customer by either the service provider UB or the service provider UC may be managed by the other provider. For example, in an electronic payment service, the service provider UC may manage the user IDs individually assigned to the service users UA in association with the same customer. When authenticating the identity of a customer, the payment server 100 or the credit card server 200 may execute an identity verification procedure using a method such as eKYC (electronic Know Your Customer).

[0021] For example, when the service user UA selects "credit card payment," the payment server 100 transfers electronic money in an amount equivalent to the price of the transaction to the payment destination account. The service provider UB then bills the service provider UC for the payment amount equivalent to the price of the transaction. The service provider UC pays the billed amount in response to the bill from the service provider UB. The credit card server 200 also collects the credit card usage fee by debiting it on a specified date from the bank account registered by the service user UA as the account for debiting the credit card usage fee.

[0022] Also, for example, when the service user UA selects "deferred payment," the payment server 100 advances the price of the transaction and settles it at a later date. For example, when the service user UA selects "deferred payment," the payment server 100 advances the price of the transaction by transferring electronic money in an amount equivalent to the price of the transaction from the advance payment account to an electronic money account (account where the balance of electronic money is managed) held by the store that is the payment destination, or by electronically transferring cash in an amount equivalent to the price of the transaction to a bank account held by the store that is the payment destination. Also, the payment server 100 collects the price of the "deferred payment" by withdrawing the price on a specified date from a bank account that the service user UA has registered in the payment app as an account for withdrawing the price of the "deferred payment."

[0023] The credit card server 200 shown in Fig. 2 is an information processing device operated and managed by a service provider UC that provides a postpaid cashless payment service using a credit card to customers including the service user UA. The service provider UC issues credit cards to users of the cashless payment service and manages the credit card information in association with user information registered by the users. The credit card server 200 may be realized by a mainframe, a workstation, or the like. Furthermore, when the credit card server 200 is configured as a server device, it may be realized by a single server device, or may be realized by a cloud system in which multiple server devices and multiple storage devices operate in cooperation with each other.

[0024] For example, when the credit card server 200 receives billing information related to "credit card payment" from the payment server 100, it executes a payment process to pay the billed amount to the service provider UB. Furthermore, the credit card server 200 manages the service user UA who registers the use of a credit card issued by the service provider UC as a payment method in an identifiable state when registering for the use of "credit card payment" in the electronic payment service. For example, the credit card server 200 manages the user ID corresponding to the service user UA in association with the customer information of the cashless payment service operated by the service provider UC. Then, the credit card server 200 bills the service user UA who used the "credit card payment" in the electronic payment service for the usage fee of the "credit card payment" in the electronic payment service based on the bill received from the payment server 100. Furthermore, the credit card server 200 collects the credit card usage fee by debiting the bank account registered by the service user UA as the account for debiting the credit card usage fee on a specified date.

[0025] Furthermore, the credit card server 200 may execute a process of deducting the usage fee for "deferred payment" in the electronic payment service together with the usage fee for "credit card payment" in response to a request from the payment server 100. In this case, the credit card server 200 acquires billing information regarding the usage fee for "deferred payment" from the payment server 100. Then, the credit card server 200 deducts the usage fee for "deferred payment" together with the usage fee for "credit card payment" based on the usage fee for "deferred payment" included in the acquired billing information.

[0026] (1-2. Payment using user terminal 10) Here, an example of code payment using the user terminal 10 will be described. In the following description, for example, a two-dimensional code (QR code (registered trademark)) placed in a specific store and indicating store identification information for identifying the specific store is used to perform a payment using the user terminal 10 by a service user UA who receives a transaction object from a specific store. Note that the example of code payment described below is also applicable to a case where an arbitrary user uses an arbitrary user terminal 10 to perform a payment at an arbitrary store. In addition, the two-dimensional code indicating the store identification information may be not only a QR code, but also a barcode, a predetermined mark, a number, or the like. In addition, the two-dimensional code is not limited to an example that is physically formed by a printed matter printed on a medium such as paper, and may be formed by image information displayed on an arbitrary terminal.

[0027] For example, when a service user UA makes a payment for the purchase or use of a transaction object such as various products or services at a specific store, the service user UA launches a payment application pre-installed in the user terminal 10. Then, the service user UA photographs a two-dimensional code placed at the specific store via the payment application. In such a case, the user terminal 10 displays a screen for inputting the price of the transaction object, and accepts input of the payment amount from the service user UA or a clerk at the specific store. Then, the user terminal 10 transmits transaction information including user identification information that identifies the service user UA, store identification information (or information indicated by the store identification information, i.e., information indicating the specific store (e.g., store ID)), and the payment amount to the payment server 100.

[0028] When the payment server 100 accepts the transaction information from the user terminal 10, it transfers electronic money equivalent to the payment amount from the account of the service user UA indicated by the user identification information to the account of the specified store indicated by the store identification information. At this time, the payment server 100 may transfer the electronic money to the account of the specified store after subtracting a predetermined fee to be charged to the specified store from the electronic money equivalent to the payment amount. Then, the payment server 100 transmits a notification that the transaction is completed to the user terminal 10. In such a case, the user terminal 10 notifies the service user UA that the transaction using electronic money is completed by outputting a screen or a predetermined sound indicating that the transaction is completed. Alternatively, the payment server 100 may withdraw electronic money equivalent to the payment amount from the account of the service user UA indicated by the user identification information, manage it as sales information of the specified store, and transfer cash equivalent to the sales to a bank account held by the specified store at a predetermined timing. In this case, the payment server 100 may notify the service user UA that the transaction using electronic money has been completed at the time when electronic money equivalent to the payment amount has been withdrawn from the account of the service user UA.

[0029] It should be noted that the payment using the user terminal 10 is not limited to the above-mentioned process. For example, the payment using the user terminal 10 may be made using a terminal device (hereinafter referred to as a "store terminal") installed in a specific store. Specifically, the user terminal 10 first displays code information indicating user identification information for identifying the service user UA on a screen. In such a case, the store terminal reads the user identification information from the code information displayed on the user terminal 10, and transmits transaction information including the read user identification information (or information indicated by the user identification information, i.e., information indicating the service user UA (e.g., user ID or user ID)), the payment amount, and information identifying the specific store to the payment server 100.

[0030] When the payment server 100 receives the transaction information from the store terminal, it transfers electronic money equivalent to the payment amount from the account of the service user UA indicated by the user identification information to the account of the specified store. Then, the payment server 100 transmits a notification that the transaction has been completed to the store terminal or the user terminal 10. The store terminal or the user terminal 10 notifies the service user UA that the transaction using electronic money has been completed by outputting a screen or a specified sound indicating that the transaction has been completed. The payment server 100 may also withdraw electronic money equivalent to the payment amount from the account of the service user UA indicated by the user identification information, manage the electronic money as sales information of the specified store, and transfer cash equivalent to the sales amount to a bank account held by the specified store at a specified timing. In this case, the payment server 100 may notify the store clerk or the service user UA that the transaction using electronic money has been completed at the timing when the electronic money equivalent to the payment amount is withdrawn from the account of the service user UA.

[0031] Furthermore, the payment using the user terminal 10 may not only be a process of transferring electronic money from an account to which the service user UA has previously charged electronic money to an account of a specific store, but may also be, for example, a payment using a credit card registered in advance by the service user UA. In such a case, for example, the user terminal 10 may transfer electronic money in an amount indicated by the payment amount to the account of the specific store, and may also bill the operating company of the service user UA's credit card for the amount indicated by the payment amount.

[0032] Furthermore, the settlement using the user terminal 10 may not only be a process of transferring electronic money from the account of the service user UA to the account of a specific store, but may also be, for example, a settlement of transferring electronic money from the account of the service user UA to the account of another user (i.e., a transfer between users). For example, the user terminal 10 used by the service user UA who is the sender of the remittance reads user identification information (for example, user identification information displayed on a terminal device used by the user of the remittance destination) that identifies the user of the remittance destination, accepts an input of the remittance amount from the service user UA, and transmits information indicating the read identification information, the remittance amount, and the user identification information that identifies the service user UA to the settlement server 100. In such a case, the settlement server 100 may transfer electronic money in an amount indicated by the remittance amount from the account of the service user UA to the account of the user of the remittance destination, and notify the fact that the remittance has been completed by outputting a screen or a predetermined sound indicating that the remittance has been completed on the user terminal 10 or the terminal device used by the user of the remittance destination.

[0033] Note that remittance using the user terminal 10 is not limited to the above-mentioned process. For example, remittance using the user terminal 10 may be performed by inputting the telephone number of the remittance destination user or information indicating the remittance destination user (e.g., user ID or user ID) into the user terminal 10. As a specific example, the user terminal 10 accepts input of the telephone number or user ID of the remittance destination user and the remittance amount from the service user UA, and transmits the input telephone number or user ID, the remittance amount, and user identification information for identifying the service user UA to the payment server 100. The payment server 100 then transfers electronic money in an amount indicated by the remittance amount from the account of the service user UA to the account of the user linked to the transmitted telephone number or user ID.

[0034] Here, the telephone number or user ID of the remittance destination user may be linked to information about the user and registered in advance in the payment application. In this case, the user terminal 10 accepts, from the service user UA, the designation of the user (remittance destination) registered in the payment application and the input of the remittance amount to the user, and transmits to the payment server 100 the telephone number or user ID linked to the designated user, the remittance amount, and user identification information for identifying the service user UA.

[0035] Furthermore, for example, remittance using the user terminal 10 may be performed by providing the remittance user with link information for receiving the remittance amount. As a specific example, the user terminal 10 accepts an input of the remittance amount from the service user UA, generates link information for receiving the remittance amount, and provides the link information to a terminal device used by the remittance user by sending an email including the link information or posting information including the link information on a social networking service (SNS). Then, when the remittance user selects the link information and performs a receiving operation, the settlement server 100 transfers electronic money in an amount indicated by the remittance amount from the account of the service user UA to the account of the remittance user.

[0036] The above-mentioned payment means and payment services are not limited to those for providing a price (settlement of debt) for purchasing a product or providing a service. For example, as described above, the payment means and payment services may have a function related to remittance between accounts held by multiple users. That is, the above-mentioned payment means and payment services may be services that control the transmission and reception of electronic money between accounts of any owner linked to the owner of electronic money, such as a user or a store. That is, the payment means and payment services according to the embodiment may be provided in any form as long as they are transaction means and transaction services that execute various controls for realizing the exchange of electronic money (not only various inter-account remittance controls via electronic money, but also controls related to exchanges between electronic money accounts and bank accounts, various claim processes such as installments and processes associated with bonus payments, and various controls related to the exchange of assets including electronic money). In addition, the various controls realized by such transaction means and transaction services may include both control related to payment and control related to remittance, or only one of them. That is, a "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other processes. In other words, the payment server 100 may be an information processing device that realizes a transaction means for controlling the exchange of electronic money between any owners.

[0037] (1-3. Information Processing According to the Embodiment) An overview of information processing according to an embodiment will be described below with reference to FIG. 1. FIG. 1 is a diagram for explaining an overview of information processing according to an embodiment. The following description shows an example of information processing in the case where the credit card server 200 collects in a lump sum the usage fee for code payment made by the service user UA using "deferred payment" or "credit card payment." Note that in the following description, the service user UA and the user terminal 10 may be regarded as the same. In other words, the service user UA can be read as the user terminal 10.

[0038] As shown in Fig. 1, the user terminal 10 transmits a screen display request of the payment application to the payment server 100 in accordance with an operation of the service user UA (step S01). The screen display request includes a user ID (e.g., U#001) for uniquely identifying the service user UA in the electronic payment service.

[0039] When the payment server 100 receives the screen display request from the user terminal 10, it transmits a request to obtain repayment status information corresponding to the service user UA to the credit card server 200 (step S02). The service user UA who uses the user terminal 10 that is the sender of the screen display request is an example of a "user". The repayment status information is information indicating whether or not repayment of the deferred payment usage fee corresponding to the usage fee of the code payment made by the service user UA by selecting "deferred payment" or "credit payment", which are deferred payment methods, has been completed. The repayment status information is enclosed with the user ID included in the screen display request, i.e., a user ID (for example, "U#001") for uniquely identifying the service user UA.

[0040] When the credit card server 200 receives the request to acquire repayment status information from the payment server 100, it responds with the corresponding repayment status information to the payment server 100 (step S03). For example, the credit card server 200 acquires repayment status information linked to the user ID (for example, "U#001") included in the request to acquire repayment status information from among the repayment status information corresponding to each service user. Then, the credit card server 200 transmits the acquired repayment status information to the payment server 100. Note that the repayment status information may include, for example, information indicating whether or not the usage fee corresponding to "deferred payment" of the service user UA who is the target user has been repaid, or information indicating whether or not the usage fee corresponding to "credit card payment" of the service user UA who is the target user has been repaid. The repayment status information may include information indicating the current status of the target user regarding "credit card payment". The information indicating the status may include status information such as "card provisional suspension" and "forced cancellation". Even if the target user's status is "card provisionally suspended", credit card server 200 can accept repayment of the usage fee from the target user until the status becomes "forced cancellation".

[0041] When the payment server 100 acquires information indicating that the target user is an unpaid user who has not completed repayment of the deferred payment charge as the repayment status information, it executes a status identification process to identify the target user's current status regarding the repayment of the deferred payment charge (step S04). For example, the payment server 100 may identify whether the service user UA is within the period during which the "deferred payment" is available, or whether the service user UA has made a payment promise, which is a predetermined procedure for promising to repay the deferred payment charge, based on the repayment status information.

[0042] The payment server 100 executes a display mode determination process to determine the display mode of the screen of the payment application according to the current situation of the identified service user UA (step S05). Then, the payment server 100 transmits screen information reflecting the processing result of the display mode determination process to the user terminal 10 (step S06).

[0043] The user terminal 10 displays the screen of the payment application based on the screen information received from the payment server 100. For example, FIG. 1 shows an example of a screen display on the user terminal 10. The display example EX1 shown in FIG. 1 shows an example of a normal (default) top screen G1 of the payment application when the display mode is not changed. The display example EX2 shown in FIG. 1 shows an example of a top screen G1 of the payment application when the display mode is changed. As shown in FIG. 1, the display mode of the top screen G1 of the payment application displayed on the user terminal 10 is determined by the payment server 100 according to the status of the service user UA. For example, the background color of the top screen G1 shown in the display example EX2 is changed to a color different from the background color of the normal top screen G1 shown in the display example EX1. In addition, as shown in the display example EX2, the example of changing the background color of the top screen G1 does not need to be particularly limited, and for example, the display color or design of the icon corresponding to "Postpay" provided on the top screen G1 may be changed.

[0044] The payment server 100 may set a classification pattern for classifying the current status of the target user regarding the repayment of the deferred payment charge into one of the categories and a display mode corresponding to the classification pattern. Then, the payment server 100 may determine the display mode of the screen of the payment application (for example, the top screen G1) based on the classification pattern and the display mode corresponding to the classification pattern.

[0045] For example, when the current situation of the target user is classified as a situation in which the target user is in a predetermined available period during which "deferred payment" or "credit card payment" is available and the target user has not yet taken the prescribed procedure to promise to repay the deferred payment charge, the payment server 100 may determine the display mode of the payment app screen to be a first display mode that is preset in correspondence with the classified situation.

[0046] Also, for example, when the current situation of the target user is classified as a situation in which the target user is in a predetermined available period during which "deferred payment" or "credit card payment" can be used and a specified procedure for promising to repay the deferred payment usage fee has been accepted, the payment server 100 may determine the display mode of the payment supplement screen to a second display mode that is preset in correspondence with the classified situation.

[0047] Also, for example, when the current situation of the target user is classified as a situation in which the target user is in the available period for "deferred payment" or "credit card payment" and repayment based on a specified procedure promising to repay the deferred payment usage fee has not been fulfilled, the payment server 100 may determine the display mode of the payment supplement screen to a third display mode that is preset in correspondence with the classified situation.

[0048] Also, for example, when the payment server 100 classifies the status of the target user as being in a period during which "deferred payment" or "credit card payment" is available and the repayment amount fulfilled based on a predetermined procedure promising to repay the deferred payment usage fee is being confirmed, the payment server 100 may determine the display mode of the payment supplement screen to a fourth display mode that is preset in correspondence with the classified status.

[0049] Also, for example, when the target user's situation is classified as a situation in which the use of "deferred payment" or "credit card payment" is suspended, the payment server 100 may determine the display mode of the payment supplement screen to a fifth display mode that is pre-set in correspondence with the classified situation.

[0050] In addition, when the payment server 100 receives an operation from the target user to select "deferred payment" or "credit card payment" as a payment method in the payment app, the payment server 100 may determine the display mode of the screen of the payment app according to the current situation of the target user. For example, as shown in FIG. 1, when the payment server 100 detects an operation to switch "balance payment" to "deferred payment" using the button BT provided on the top screen G, the payment server 100 may determine the display mode of the screen of the payment app (for example, the top screen G1) according to the current situation regarding the repayment of the deferred payment charge of the target user, as described above.

[0051] As described above, according to the information processing system SYS of the embodiment, when the payment server 100 has not repaid the deferred payment charge, which is the charge for code payment made by selecting the deferred payment or credit card payment, which are the deferred payment methods, for the target user, the display mode of the top screen G1 of the payment app of the target user can be changed to a display mode different from the normal top screen G1. As a result, the information processing system SYS of the embodiment can encourage the repayment of the deferred payment charge, collect the receivables early, and facilitate the smooth operation of deferred cashless payment.

[0052] [2. Payment Server Configuration] Hereinafter, an example of a functional configuration of the payment server 100 included in the information processing system SYS according to the embodiment will be described with reference to Fig. 2. Fig. 2 is a diagram showing an example of a configuration of the payment server 100 according to the embodiment. As shown in Fig. 2, the payment server 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

[0053] (Regarding communication unit 110) The communication unit 110 is realized by, for example, a network interface card (NIC) etc. The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from other devices such as the user terminal 10 and the credit card server 200.

[0054] (Regarding the storage unit 120) The storage unit 120 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 2, the storage unit 120 has a user information storage unit 121 and a display mode information storage unit 122.

[0055] (Regarding the user information storage unit 121) The user information storage unit 121 stores user information related to users of electronic payment services. Fig. 3 is a diagram showing an example of user information stored in the user information storage unit 121 according to the embodiment.

[0056] 3, the user information stored in the user information storage unit 121 has multiple items such as a "user ID" item, an "instant payment usage history" item, an "deferred payment usage history" item, an "bank account information" item, an "account reservation status" item, etc. These items in the user information are mutually associated.

[0057] The "user ID" item stores a user ID, which is unique identification information assigned individually to each service user (such as service user UA shown in Figure 1) of an electronic payment service in order to uniquely identify the user.

[0058] The "Balance payment transaction history" field stores the history of code payment transactions that were made by selecting "Balance payment." The transaction history may include information such as the payment date and time, the payment destination, and the payment amount for each transaction.

[0059] The "deferred payment transaction history" field stores the history of code payment transactions that were made by selecting "deferred payment." The transaction history may include information such as the date and time of payment, the payment destination, and the payment amount for each transaction.

[0060] The "Bank Account Information" item stores information about a bank account that is pre-registered as a withdrawal account for paying the usage fee of a code payment made by selecting "Pay Later." The information about the bank account stored in the "Bank Account Information" item is registered by each service user who registers to use the deferred payment of the usage fee of the code payment. The information about the bank account may include information such as the bank name, branch name, account name, and account number.

[0061] The "payment reservation status" item stores information indicating whether or not a payment promise, which is a predetermined procedure for promising to repay a deferred payment usage fee, has been made.

[0062] (Regarding the display mode information storage unit 122) The display mode information storage unit 122 stores information on a classification pattern for classifying the current status of the target user regarding the repayment of the deferred payment charge into one of the categories, and information indicating the content of the display mode of a screen of the payment application (for example, the top screen G) that is predefined in association with the classification pattern. Fig. 4 is a diagram showing an example of the display mode information stored in the display mode information storage unit 122 according to the embodiment.

[0063] 4, the display mode information stored in the display mode information storage unit 122 has a plurality of items such as a "sort pattern" item and a "display mode" item. These items in the display mode information are associated with each other.

[0064] The "category pattern" field stores information indicating a predefined classification pattern for classifying the current status of the target user regarding the repayment of the deferred payment service charge into one of the categories. The classification pattern is set, for example, by the service provider UB (see, for example, FIG. 1), which is the administrator of the payment server 100.

[0065] The "display mode" item stores information indicating the contents of a display mode that is predefined to determine the display mode of a payment application screen (for example, top screen G) according to a classification pattern. The contents of the display mode are set, for example, by the service provider UB (for example, see FIG. 1), which is the administrator of the payment server 100.

[0066] (Regarding the control unit 130) The control unit 130 is a controller, and is realized, for example, by a central processing unit (CPU) or a micro processing unit (MPU) executing various programs stored in a storage device inside the payment server 100 using a RAM as a working area. The control unit 130 can also be realized, for example, by an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

[0067] As shown in Fig. 4, the control unit 130 has an acquisition unit 131, an identification unit 132, and a determination unit 133, and these units realize or execute the functions and actions of information processing described below. Note that the control unit 130 may be provided with new functional units different from the units shown in Fig. 4 in response to the extension of various processes executed by the payment server 100.

[0068] (Regarding the acquisition unit 131) When the acquisition unit 131 receives a screen display request for a payment app for making a payment using an electronic payment service from a user (for example, service user UA shown in Figure 1), it acquires repayment status information indicating the repayment status of the deferred payment fee corresponding to the user who sent the screen display request from another device (for example, credit card 00 shown in Figure 1) operated by a business operator (for example, service operator UC shown in Figure 1) that provides a service that cooperates with the electronic payment service and pays the fee on behalf of a user who has selected deferred payment as a payment method in the payment app.

[0069] For example, the acquisition unit 131 transmits, to the credit card server 200, a request to acquire repayment status information corresponding to the target user who is the sender of the screen display request, via the communication unit 110. Then, the acquisition unit 131 acquires the repayment status information received from the credit card server 200 via the communication unit 110. The repayment status information may include information regarding the billing of the usage fee for the code payment for which deferred payment has been selected.

[0070] (Regarding the identification unit 132) The identifying unit 132 identifies the user's current status regarding the repayment of the deferred payment charge when the acquiring unit 131 acquires, as the repayment status information, information indicating that the user is an unpaid user who has not completed repayment of the deferred payment charge. For example, the identifying unit 132 may identify, based on the repayment status information, whether the user's current status is in a period during which "deferred payment" is available, or whether the user has performed a predetermined procedure to promise repayment of the deferred payment charge.

[0071] (Regarding the determination unit 133) When the user corresponds to an unpaid user, the determination unit 133 determines the display mode of the payment app screen according to the current situation of the user identified by the identification unit 132 when displaying the payment app screen on the terminal device used by the user (for example, the user terminal 10 shown in FIG. 1). For example, the determination unit 133 classifies the current situation of the target user regarding the repayment of the deferred payment charge based on the repayment status information. Furthermore, the determination unit 133 determines the display mode corresponding to the classified current situation of the user by referring to the display mode information stored in the display mode information storage unit 122.

[0072] [3. Example of processing procedure] Hereinafter, the flow of information processing executed by the payment server 100 of the information processing system SYS according to the embodiment will be described with reference to Fig. 5. Fig. 5 is a flowchart showing an example of a processing procedure of information processing executed by the payment server 100 according to the embodiment. The processing procedure shown in Fig. 5 is executed by the control unit 130 of the payment server 100. The control unit 130 repeatedly executes the processing procedure shown in Fig. 5 while the payment server 100 is operating.

[0073] As shown in FIG. 5, the acquisition unit 131 determines whether or not a screen display request for the payment application has been received from the user terminal 10 (Step S101).

[0074] When the acquisition unit 131 determines that a screen display request for the payment application has been received from the user terminal 10 (step S101; Yes), it acquires repayment status information for the postpaid usage fee corresponding to the target user who sent the screen display request from the credit card server 200 (step S102).

[0075] The identification unit 132 judges whether or not the target user corresponds to an unpaid user who has not completed repayment of the usage fee of the postpaid system based on the repayment status information acquired by the acquisition unit 131 (step S103). For example, when the acquisition unit 131 acquires information indicating that the target user corresponds to an unpaid user who has not completed repayment of the usage fee as repayment status information, the identification unit 132 judges that the target user corresponds to an unpaid user.

[0076] Furthermore, when it is determined that the target user is an unpaid user (step S103; Yes), the identifying unit 132 identifies the target user's current status regarding repayment of the usage fee in a postpaid manner (step S104).

[0077] The determination unit 133 determines the display mode of the screen of the payment application according to the current situation of the user identified by the identification unit 132 (Step S105).

[0078] Furthermore, the determination unit 133 transmits screen information corresponding to the determined display mode of the payment application screen to the user terminal 10 (step S106), and ends the processing procedure shown in FIG.

[0079] In the above-mentioned step S103, if the identification unit 132 determines that the target user is not an unpaid user (step S103; No), it transmits normal screen information of the payment app to the user terminal 10 (step S107) and terminates the processing procedure shown in FIG. 5.

[0080] 4. Modifications (4-1. About Collaborative Services) In the above embodiment, an example of information processing in which the other service linked to the electronic payment service provided by the service provider UB is a credit card service provided by the service provider UC has been described, but the present invention is not limited to this example. For example, the other service linked to the electronic payment service may be a service other than a credit card service. For example, in the case where the other service is an electronic invoice issuing service, it is assumed that a server device of the other service provider that operates the electronic invoice issuing service issues electronic invoices to each service user, including the service user UA, and withdraws the usage fee from the bank account linked to each service user, on behalf of the service provider UB that operates the electronic payment service. Then, when the withdrawal of the billing amount corresponding to the electronic invoice issued to each service user fails due to insufficient balance, etc., the server device transmits repayment status information describing that fact to the payment server 100.

[0081] Furthermore, when the service user UA selects "electronic money" as the payment method for the usage fee of "deferred payment", the payment server 100 executes the settlement of the usage fee by transferring the amount of electronic money equivalent to the usage fee to an electronic money account (an account in which the balance of electronic money is managed) held by the service provider UC in the electronic payment service. In this case, the payment server 100 can manage the repayment status of the "deferred payment" of the service user UA, and can acquire and use it as necessary. For example, when the target user selects "electronic money" as the payment method for the usage fee of "deferred payment", the payment server 100 may acquire the repayment status information of the usage fee of the deferred payment method from the credit card server 200, but may acquire the repayment status held within the payment server 100, and determine whether the target user corresponds to an unpaid user who has not completed repayment of the usage fee of the deferred payment method.

[0082] (4-2. System configuration) In the above embodiment, an example has been described in which the information processing system SYS according to the embodiment includes the payment server 100 and the credit card server 200, but the information processing system SYS does not need to be limited to such an example. For example, the payment server 100 and the credit card server 200 may be a single server that is functionally or physically integrated. In this case, for example, the control unit 130 of the payment server 100 may have a processing function provided in the credit card server 200 as a processing function according to the embodiment.

[0083] As described above, when the information processing system SYS includes an information processing device that integrates the processing functions of the control unit 130 of the payment server 100 and the processing functions of the credit card server 200, the service provider UB that operates the electronic payment service and the service provider UC that operates the credit card service may be the same provider. In addition, when a credit card for using a credit card service is provided with multiple payment methods such as credit card payment for deferred payment of the usage fee, debit card payment for immediate deduction from the account balance of the service user, and point payment for payment with points acquired by the service user by using various services, the payment app may be configured to flexibly switch between the payment methods provided by the electronic payment service and the payment methods provided by the credit card service and display them.

[0084] Furthermore, an information processing device that integrates the processing function of the payment server 100 and the processing function of the credit card server 200 can centrally manage information related to payments, such as the repayment status of the charges executed using various payment methods. That is, the payment server 100 does not need to acquire information indicating the repayment status of the service user who is the sender of the display request for the application screen from the credit card server 200. Furthermore, this information processing device may determine the display mode of the application screen when displaying the application screen of the corresponding payment method according to the repayment status of the corresponding payment method, not limited to the code payment selected by selecting "deferred payment" among the code payments provided by the electronic payment service, but also for the payment method provided by the credit card service, by the processing function of the determination unit 132 provided in the control unit 130 of the payment server 100. That is, when the determination unit 132 receives a display request for an application screen corresponding to credit card payment, it may refer to the repayment status of the charges for the target user who is the sender of the display request, selected by credit card payment of the credit card service, and when the target user corresponds to an unpaid user, it may determine the display mode when displaying the application screen corresponding to credit card payment according to the current status of the target user.

[0085] In addition, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, and conversely, all or part of the processes described as being performed manually can be performed automatically by a known method. In addition, the information including the processing procedures, specific names, various data and parameters shown in the above documents and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

[0086] In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit according to various loads, usage conditions, etc.

[0087] Furthermore, the above-described embodiments can be appropriately combined as long as the processing contents are not contradictory.

[0088] 5. Effects As described above, the payment server 100 of the information processing system SYS according to the embodiment executes processing related to an electronic payment service that allows a user to select a deferred payment method as a payment method for a transaction target when using code payment using predetermined code information. The payment server 100 has an acquisition unit 131, a specification unit 132, and a determination unit 133. When the acquisition unit 131 receives a screen display request for a payment application for making a payment by code payment from a user, the acquisition unit 131 acquires information indicating the repayment status of the deferred payment usage fee corresponding to the user who is the sender of the screen display request from another device managed by a business operator that operates a payment service that is linked to the electronic payment service and provides a deferred payment method to users of the electronic payment service through the electronic payment service. When the acquisition unit 131 acquires information indicating the repayment status indicating that the user is an unpaid user who has not completed repayment of the deferred payment usage fee, the specification unit 132 specifies the user's current status regarding repayment of the deferred payment usage fee. The determination unit 133 determines the display mode of the screen according to the current situation of the user identified by the identification unit 132 when displaying a screen of a payment application on the terminal device used by the user.

[0089] In this way, the payment server 100 according to the embodiment can change the display mode of the top screen of the payment app of the target user who has not completed repayment of the usage fee of the deferred payment method to a display mode different from the normal top screen. As a result, the information processing system SYS according to the embodiment can encourage the repayment of the deferred payment usage fee, collect the receivable early, and ensure smooth operation of the deferred cashless payment.

[0090] In addition, when the user's current situation is classified as a situation in which the user is in a pre-defined available period during which a deferred payment method can be used and the user has not yet taken the prescribed procedure to promise to repay the deferred payment fee, the determination unit 133 may determine the display mode of the screen to be a first display mode that is pre-defined in association with the classified situation.

[0091] In addition, when the user's current situation is classified as a situation in which the user is in a pre-defined available period during which the deferred payment method can be used and the user has already completed a specified procedure to promise to repay the deferred payment fee, the determination unit 133 may determine the display mode of the screen to be a second display mode that is pre-defined in association with the classified situation.

[0092] In addition, when the user's current situation is classified as a situation in which the user is in the available period and repayment based on the specified procedure has not been fulfilled, the determination unit 133 may determine the display mode of the screen to be a third display mode that is preset in correspondence with the classified situation.

[0093] In addition, when the user's current situation is classified as being in a period during which the available credit is available and the repayment amount fulfilled based on a predetermined procedure is being confirmed, the determination unit 133 may determine the display mode of the screen to be a fourth display mode that is preset in association with the classified situation.

[0094] In addition, when the user's current situation is classified as a situation in which the use of postpaid is suspended and usage is suspended, the determination unit 133 may determine the display mode of the screen to be a fifth display mode that is preset in association with the classified situation.

[0095] In this manner, the payment server 100 can display, for example, the top screen of a payment app in different display modes depending on the current situation of a target user who has not completed repayment of the usage fee for a deferred payment method, by the processing performed by each of the above-mentioned units, or any combination of the processing performed by each unit.

[0096] In addition, when the determination unit 133 receives an operation from the target user to select a deferred payment method as the payment method in the payment application, the determination unit 133 may determine the display mode of the screen according to the current situation of the user. In this way, the payment server 100 can change the display mode of the payment application screen at the timing when the user is about to use the "deferred payment" to prompt the user to repay the deferred payment fee.

[0097] [6. Hardware Configuration] The payment server 100 according to the above-described embodiment or modification is realized, for example, by a computer 1000 having a configuration as shown in Fig. 6. Fig. 6 is a hardware configuration diagram showing an example of a computer that realizes the functions of the payment server 100 according to the embodiment or modification.

[0098] The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected via a bus 1090.

[0099] The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050 and programs read from the input device 1020, and executes various processes. The primary storage device 1040 is a memory device, such as a RAM, that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), HDD, flash memory, etc.

[0100] The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information, such as a monitor or a printer, and is realized by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (High Definition Multimedia Interface), a registered trademark. The input IF 1070 is an interface for receiving information from various input devices 1020, such as a mouse, keyboard, and scanner, and is realized by a USB, for example.

[0101] The input device 1020 may be a device that reads information from an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. The input device 1020 may also be an external storage medium such as a USB memory.

[0102] The network IF 1080 receives data from other devices via the network N and sends it to the arithmetic device 1030, and also transmits data generated by the arithmetic device 1030 to other devices via the network N.

[0103] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0104] For example, when the computer 1000 functions as the payment server 100 according to the embodiment or the modification, the arithmetic device 1030 of the computer 1000 executes a program (e.g., an information processing program) loaded onto the primary storage device 1040 to realize a function similar to that of the control unit 130. That is, the arithmetic device 1030 cooperates with the program (e.g., an information processing program) loaded onto the primary storage device 1040 to realize the processing by the payment server 100 according to the embodiment or the modification.

[0105] [7. Other] Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the Disclosure of the Invention section.

[0106] Further, the above-mentioned payment server 100 and credit card server 200 can be flexibly changed in configuration, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing, depending on the function.

[0107] Furthermore, the term "unit" in the claims may be read as "means" or "circuit," etc. For example, a control unit may be read as control means or a control circuit. [Explanation of symbols]

[0108] SYS Information Processing System 10 User terminal 100 Payment Server 110 Communications Department 120 Storage section 121 User information storage unit 122 Display mode information storage unit 130 Control section 131 Acquisition Department 132 Specific part 133 Decision Section 200 Credit Card Server

Claims

1. An information processing device that executes a process related to an electronic payment service that allows a user to select a deferred payment method as a payment method for a price of a transaction object when using a code settlement using predetermined code information, an acquisition unit that, when receiving a screen display request from a user for a payment application for making the payment of the amount by the code payment, acquires information indicating the repayment status of the deferred payment usage amount corresponding to the user who is the sender of the screen display request from another device managed by a business that operates another service that cooperates with the electronic payment service and provides the deferred payment method to users of the electronic payment service through the electronic payment service; a determination unit that, when the acquisition unit acquires information indicating the repayment status indicating that the user is an unpaid user who has not completed repayment of the deferred payment usage fee, identifies the current status of the user regarding repayment of the deferred payment usage fee; a determination unit that determines a display mode of the screen of the payment application in accordance with the current situation of the user identified by the identification unit; 13. An information processing device comprising:

2. The determination unit is When the current situation of the user is classified as a situation in which the user is in a predefined available period during which the deferred payment method is available and the user has not yet taken a prescribed procedure for promising to repay the deferred payment amount, the display mode of the screen is determined to be a first display mode that is predefined in association with the classified situation.

2. The information processing apparatus according to claim 1,

3. The determination unit is When the current status of the user is classified as a status in which the user is in a predefined available period during which the deferred payment method is available and a predetermined procedure for promising to repay the deferred payment fee has been accepted by the user, the display mode of the screen is determined to be a second display mode that is predefined in association with the classified status.

2. The information processing apparatus according to claim 1,

4. The determination unit is When the current situation of the user is within a predefined available period during which the deferred payment method is available and the repayment based on the predetermined procedure has not been fulfilled, the display mode of the screen is determined to be a third display mode that is predefined in association with the classified situation.

2. The information processing apparatus according to claim 1,

5. The determination unit is When the current status of the user is classified as a status in which the user is in a predefined available period during which the deferred payment method is available and the amount of repayment performed based on the predetermined procedure is being confirmed, the display mode of the screen is determined to be a fourth display mode that is predefined in association with the classified status.

2. The information processing apparatus according to claim 1,

6. The determination unit is When the current situation of the user is classified as a situation in which the use of the postpaid payment method is suspended and in a suspended state, the display mode of the screen is determined to be a fifth display mode that is preset in association with the classified situation.

2. The information processing apparatus according to claim 1,

7. The determination unit is When an operation for selecting the postpaid payment method as the payment method is received from the user in the payment application, the display mode of the screen is determined according to the current situation of the user.

7. The information processing apparatus according to claim 1, wherein the information processing apparatus is a computer.

8. An information processing method performed by a computer that executes a process related to an electronic payment service that allows a user to select a deferred payment method as a payment method for a price of a transaction object when using a code settlement using predetermined code information, comprising: an acquisition step of acquiring information indicating the repayment status of the deferred payment usage fee corresponding to the user who is the sender of the screen display request, from another device managed by a business that operates another service that cooperates with the electronic payment service and provides the deferred payment method to users of the electronic payment service through the electronic payment service, when a screen display request for a payment application for making the payment by the code payment is received from the user; a step of identifying the current status of the user regarding repayment of the deferred payment charge when information indicating the repayment status of the user that the user is an unpaid user who has not completed repayment of the deferred payment charge is acquired by the acquisition step; a determination step of determining a display mode of the screen of the payment application according to the current situation of the user identified by the identification step; 13. An information processing method comprising:

9. In the case of using code settlement using predetermined code information, a computer that executes a process related to an electronic settlement service that allows a deferred payment method to be selected as a payment method for the price of a transaction, an acquisition step of acquiring information indicating the repayment status of the deferred payment usage fee corresponding to the user who is the sender of the screen display request, from another device managed by a business that operates another service that cooperates with the electronic payment service and provides the deferred payment method to users of the electronic payment service through the electronic payment service, when a screen display request for a payment application for making the payment by the code payment is received from the user; a step of identifying the current status of the user regarding repayment of the deferred payment charge when information indicating the repayment status of the user that indicates that the user is an unpaid user who has not completed repayment of the deferred payment charge is acquired by the acquisition step; a determination step of determining a display mode of the screen of the payment application according to the current situation of the user identified by the identification step; An information processing program characterized by causing the program to execute the above steps.

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