Information processing system and information processing method

Abstract

To improve usability in postpaid cashless settlement.SOLUTION: An information processing system includes a first device which performs processing on an electronic settlement service which can select credit card payment as a transaction object payment paying method when code settlement with prescribed code information is used, and a second device cooperating with the first device in settlement processing by credit card payment. The first device comprises an acceptance unit and a provision unit. The acceptance unit accepts an advance payment request of a yet-to-be-determined usage fee among usage fees by credit card payment provided to electronic settlement service users from the users. When the advance payment request is accepted by the acceptance unit, the provision unit provides a target user with a first screen for accepting an advance payment procedure from the target user, the target user being an advance payment request source.SELECTED DRAWING: Figure 3

Description

[Technical field]

[0001] The present invention relates to an information processing system and an information processing method. [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 techniques leave room for improvement in terms of improving the usability of post-payment type cashless payment.

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

[0007] The information processing system according to the present application includes a first device that executes processing related to an electronic payment service that allows a credit card payment to be selected as a payment method for a price of a transaction object when using code payment using predetermined code information, and a second device that cooperates with the first device in the credit card payment processing, and the first device has a reception unit and a provision unit. The reception unit receives from a user a request for advance payment of an unconfirmed usage fee among the usage fees for credit card payment provided to the user of the electronic payment service. When the reception unit receives the request for advance payment, the provision unit provides the target user, who is the source of the advance payment request, with a first screen for accepting the procedure for the advance payment from the target user. Effect of the Invention

[0008] According to one aspect of the embodiment, it is possible to improve the usability 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 showing an example of an application screen for carrying out a procedure for advance payment according to the embodiment. [Diagram 3] FIG. 3 is a diagram illustrating an example of the configuration of the payment server according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of user information stored in a user information storage unit according to the embodiment. [Diagram 5] FIG. 5 is a diagram illustrating an example of the configuration of the credit card server according to the embodiment. [Figure 6] FIG. 6 is a diagram illustrating an example of usage detail information stored in the usage detail information storage unit according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of management information stored in the management information storage unit according to the embodiment. [Figure 8]FIG. 8 is a flowchart illustrating an example of a processing procedure of the information processing executed by the payment server according to the embodiment. [Figure 9] FIG. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of a payment server or a credit card server constituting an information processing system according to the embodiment or the modification. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] Hereinafter, the information processing system and the information processing method according to the present application will be described in detail with reference to the drawings. Note that the information processing system and the information processing method according to the present application are not limited to the embodiments. In addition, the same components in the following embodiments are denoted by 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. 3, 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] In addition, electronic payment services offer multiple payment methods that users of the service 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 paying for the price of a transaction using code payment.

[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 an operating company of a credit card registered in the payment application by the service user UA, the service provider UB cooperates with the service provider UC to realize a payment process when the service user UA selects "credit card payment". When the service provider UB and the service provider UC cooperate in business, they link information about each other's customers by ID cooperation or the like. The information about each other's customers includes identification information given to each service user in each service and information about bank accounts used for settling various charges. For example, the service provider UB and the service provider UC may manage common identification information between the providers as information for identifying the same customer. In addition, 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, the service provider UC may manage a user ID individually assigned to the service user UA in an electronic payment service 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. 1 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 user. For example, the credit card server 200 manages billing status information indicating the billing status of the postpaid usage fee to the service user UA. 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 an 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)), 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) 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) (1-3-1. Overview of Information Processing (part 1) according to the embodiment) An overview of information processing according to the embodiment will be described below with reference to Fig. 1. Fig. 1 is a diagram for explaining an overview of information processing according to the embodiment.

[0038] In the following description, an overview of information processing will be given when the payment server 100 receives a request from the service user UA to pay in advance an unconfirmed usage fee among the usage fees paid by "credit card." As described below, the payment server 100 executes information processing according to the embodiment through a payment application provided to the service user UA. Note that in the following description, the service user UA and the user terminal 10 may be regarded as the same thing. In other words, the service user UA can be read as the user terminal 10.

[0039] First, the settlement server 100 transmits, at a predetermined timing, a request to the credit card server 200 for the usage details of "credit card payment" corresponding to each service user who has registered to use "credit card payment" (step S01). The request includes user identification information for identifying the target user linked to the usage details. In FIG. 1, an example is shown in which the user ID (e.g., "U#001") of each service user shared in advance with the credit card server 200 is included.

[0040] The predetermined timing at which the payment server 100 transmits a request to obtain a usage statement to the credit card server 200 is, for example, any timing previously determined between the service providers UB and UC, and may be specified by any polling period such as daily or several hours. The usage statement information also includes information on the usage fee for the target user "paid by credit card." The usage fee information also includes information on the billing status, which indicates the billing status of the usage fee, such as "unconfirmed" (the billing amount has not been determined) or "confirmed" (the billing amount has been determined).

[0041] When the credit card server 200 receives the request to obtain a statement of the transaction from the payment server 100, it obtains the statement of the transaction of the target user based on the user identification information (e.g., "U#001") included in the request, and responds with the obtained statement of the transaction to the payment server 100 (step S02).

[0042] When the payment server 100 receives the transaction detail information from the credit card server 200, it registers the acquired transaction detail information in association with the user ID of the target user (for example, "U#001") (step S03). If a record of transaction detail information corresponding to the target user has already been registered, the payment server 100 overwrites and registers the acquired information, thereby managing the transaction detail information in the latest state.

[0043] In accordance with the service user UA's operation on the application screen G-1 (see, for example, FIG. 2) corresponding to the "deferred payment" function included in the payment application, the user terminal 10 sends a request for advance payment of the usage fee, which is "paid by credit card" and is in an undetermined state where the billing amount has not been determined (step S11).

[0044] When the payment server 100 receives a request for advance payment from the user terminal 10, it can provide the target user, the service user UA, with an app screen G-2 (an example of a "first screen") that allows the target user to select at least one of the following methods of advance payment: payment using the money balance, which is the balance of electronic money linked to the target user, and bank transfer to a specified bank account.

[0045] For example, the payment server 100 selects a payment method for the advance payment for the service user UA, who is the target user (step S12). Specifically, the payment server 100 selects both balance payment and bank transfer as the advance payment method to be introduced to the service user UA on the condition that it is determined that the advance payment of the target usage fee is possible based on the money balance, which is the balance of electronic money linked to the service user, based on the usage detail information linked to the service user UA. On the other hand, if the money balance is insufficient to cover the target usage fee, the payment server 100 selects only bank transfer as the advance payment method to be introduced to the service user UA.

[0046] In addition, for example, if the target user (e.g., service user UA) has a registered bank account and the combined balance of the bank account set as the charge source when the target user charges (including auto-charge) the money balance held in the electronic payment service and the money balance exceeds the usage fee, the payment server 100 may also display ``money balance'' and ``bank transfer'' as options for payment methods for early payment of the usage fee.

[0047] In addition, the payment server 100 provides the service user UA with screen information for displaying an application screen that accepts the advance payment procedure from the target user, the service user UA, by transmitting the screen information to the user terminal 10 (step S13).

[0048] When the user terminal 10 receives the screen information from the payment server 100, it displays an application screen for accepting the procedure for advance payment from the service user UA. FIG. 2 is a diagram showing an example of an application screen for carrying out the procedure for advance payment according to the embodiment. Display example EX-1 shown in FIG. 2 shows an example of an application screen G-1 corresponding to the "deferred payment" function displayed on the user terminal 10. Display example EX-2 shown in FIG. 2 shows an example of an application screen G-2 for carrying out the procedure for advance payment displayed on the user terminal 10.

[0049] For example, the application screen G-1 shown in the display example EX-1 includes image information OB-1 indicating that the billing amount for the service user UA for "credit card payment" is provisionally confirmed. The application screen G-1 also includes image information OB-2 for displaying an application screen G-2 for carrying out the procedure for early payment of the usage fee for "credit card payment."

[0050] The user terminal 10 displays the application screen G-2 in response to an operation by the service user UA on the image information OB-2 included in the application screen G-1. The application screen G-2 includes image information OB-3 corresponding to "balance payment" and image information OB-4 corresponding to "bank transfer" which are presented to the service user UA as a method of early payment. The user terminal 10 also displays a confirmation screen G-3 for the service user UA to confirm the details of the balance payment in response to an operation by the service user UA on the image information OB-3 corresponding to "balance payment". The user terminal 10 also displays a confirmation screen G-4 (an example of a "second screen") for the service user UA to confirm the details of the bank transfer in response to an operation by the service user UA on the image information OB-4 corresponding to "bank transfer".

[0051] Furthermore, the application screen G-2 includes image information OB-5 for receiving an operation from the service user UA to return to the application screen G-1. In response to an operation from the service user UA on the image information OB-5, the application screen G-1 is redisplayed on the user terminal 10.

[0052] FIG. 2 shows an example in which image information OB-3 corresponding to "balance payment" and image information OB-4 corresponding to "bank transfer" are displayed on the user terminal 10. However, when the money balance of the service user UA is insufficient for the usage fee of "credit card payment", the application screen G-2 may be controlled so that the image information OB-3 corresponding to "balance payment" is not displayed. For example, when the payment server 100 transmits screen information for displaying the application screen G-2 to the user terminal 10, the payment server 100 can realize this control by transmitting control information for controlling so that the image information OB-3 corresponding to "balance payment" is not displayed. In addition, it is not necessary to be particularly limited to this example, and the image information OB-3 corresponding to "balance payment" may be displayed, but the operation on the image information OB-3 may be controlled so that it is not accepted. For example, when the payment server 100 transmits screen information for displaying the application screen G-2 to the user terminal 10, the payment server 100 can realize this control by transmitting control information for controlling so that the image information OB-3 corresponding to "balance payment" is displayed, but the operation on the image information OB-3 is not accepted. In this case, the payment server 100 may also display a message indicating that the money balance is insufficient.

[0053] Furthermore, the confirmation screen G-4 on which the service user UA confirms the details of the bank transfer may be configured to accept a designation of the planned date for the service user UA to receive the charge by bank transfer from the service user UA. In this case, for example, the credit card server 200 can confirm the receipt of payment from the service user UA on the planned date for the payment designated by the service user UA.

[0054] When the service user UA selects "balance payment," the payment server 100 transfers an amount of electronic money equivalent to the usage fee to be paid in advance from the money balance, which is the balance of electronic money held by the service user UA, to the account of the service provider UC, which is the settlement destination, thereby instantly settling the usage fee to be paid in advance. Then, the payment server 100 notifies the credit card server 200 that the advance payment has been completed normally.

[0055] Furthermore, when the service user UA selects "bank transfer", the payment server 100 notifies the service user UA of transfer destination information including the usage fee and the information of the bank account to which the transfer is to be made via the confirmation screen G-4, and notifies the credit card server 200 that "bank transfer" has been selected. Furthermore, when the payment server 100 accepts the designation of the scheduled deposit date from the service user UA on the confirmation screen G-4, it notifies the credit card server 200 of the information on the scheduled deposit date together with the fact that "bank transfer" has been selected.

[0056] Furthermore, when the scheduled date of deposit received from the service user UA arrives, the payment server 100 may notify the service user UA of the scheduled date of deposit along with the transfer destination information via the payment application. At that time, the payment server 100 may also have the service user UA respond as to whether or not the deposit has been made. In this case, the payment server 100 may notify the credit card server 200 of the information that the service user UA responded that the deposit has been made.

[0057] Furthermore, when the service user UA selects "bank transfer", the payment server 100 may execute a bank transfer of the target usage fee to the credit card server 200 on behalf of the service user UA, on condition that a predetermined fee is paid. In this case, the payment server 100 may settle the transfer amount of the bank transfer made on behalf of the service user UA from the money balance of the service user UA, or may settle by account transfer from a bank account registered in advance by the service user UA. Note that the payment server 100 may collect a predetermined fee from the service user UA when settling the transfer amount of the bank transfer made on behalf of the service user UA. The payment server 100 may also collect a predetermined fee when "balance payment" is used as a method of advance payment. In this case, the payment server 100 may set the predetermined fee when "balance payment" is used to a rate lower than when "bank transfer" is used.

[0058] When the credit card server 200 confirms that the usage fee has been paid in advance, it restores the available balance associated with the service user UA, the target user, by an amount equivalent to the usage fee. For example, when the credit card server 200 confirms that the service user UA has paid the usage fee of "123,456 yen", it updates the current available balance of "568,900 yen" to "692,356 yen", increasing it by an amount equivalent to the usage fee that was paid in advance.

[0059] As described above, in the information processing system SYS according to the embodiment, the payment server 100 can accept a request for advance payment of an unconfirmed "credit card payment" usage fee through a payment application. In addition, the payment server 100 can provide the service user with screen information for displaying an application screen (for example, application screen G-2 shown in FIG. 2) for accepting an advance payment procedure from a target user by transmitting the screen information to the user terminal 10. In this way, the information processing system SYS according to the embodiment can expand the range of repayment methods for credit card payment usage fees, which is one of the post-payment type cashless payments, and can improve usability.

[0060] [2. Equipment configuration] (2-1. Configuration of payment server 100) 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. 3. Fig. 3 is a diagram showing an example of the configuration of the payment server 100 according to the embodiment. As shown in Fig. 3, the payment server 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

[0061] (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.

[0062] (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. 3, the storage unit 120 has a user information storage unit 121.

[0063] (Regarding the user information storage unit 121) The user information storage unit 121 stores user information related to users of electronic payment services. Fig. 4 is a diagram showing an example of user information stored in the user information storage unit 121 according to the embodiment.

[0064] 4, the user information stored in the user information storage unit 121 has multiple items such as a "user ID" item, a "balance payment transaction history" item, a "deferred payment transaction history" item, a "money balance" item, a "bank account" item, a "usage details" item, etc. These items in the user information are mutually associated.

[0065] 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) who uses an electronic payment service, in order to uniquely identify the service user.

[0066] 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.

[0067] 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.

[0068] The "money balance" field stores information on the money balance, which is the balance of electronic money held by a service user in an electronic payment service.

[0069] The "Bank Account" field stores information about the bank account registered by the service user in order to settle the price of a transaction that has been paid for by "deferred payment" using code payment by direct debit.

[0070] The "usage details" field stores the usage details of the credit card used for the "credit card payment" using code settlement. The usage details information is provided by the credit card server 200.

[0071] (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).

[0072] As shown in Fig. 3, the control unit 130 has a reception unit 131 and a provision unit 132, and these units realize or execute the functions and actions of information processing described below. Note that the control unit 130 may have new functional units different from the units shown in Fig. 3 in response to the extension of various processes executed by the payment server 100.

[0073] (Regarding the reception unit 131) The reception unit 131 receives a request for advance payment of an unconfirmed usage fee from a service user (such as the service user UA shown in FIG. 1) who uses an electronic payment service, via the communication unit 110.

[0074] (About the provider 132) When the request for advance payment is accepted by the accepting unit 131, the providing unit 132 provides the target user who has requested the advance payment with an app screen G-2 (see FIG. 2, for example) for accepting the procedure for advance payment from the target user. For example, the providing unit 132 provides the target user with screen information for displaying the app screen G-2 for accepting the procedure for advance payment from the target user on the user terminal 10 used by the target user by transmitting the screen information to the user terminal 10 via the communication unit 110.

[0075] In addition, the provision unit 132 may provide the target user with an app screen G-2 that allows the user to select at least one of the following methods for advance payment: payment using the money balance, which is the balance of electronic money linked to the target user, and bank transfer to a specified bank account.

[0076] In addition, the providing unit 132 may obtain credit card payment statement information linked to the target user from the credit card server 200, and, based on the obtained statement information, provide an app screen G-2 including balance payment as a method of advance payment, provided that it is determined that the money balance allows for advance payment of the usage fee.

[0077] In addition, when bank transfer is selected on the app screen G-2, the providing unit 132 may provide a confirmation screen G-4, which is a screen for confirming the bank transfer procedure and can accept from the target user the scheduled date for deposit of the usage fee.

[0078] In addition, when the billing status is unpaid, the provision unit 132 may provide the target user with screen information for displaying an app screen G-2 (an example of a "third screen") that can accept the payment method and expected payment date of the deferred payment usage fee from the target user by transmitting it to the user terminal 10.

[0079] In addition, when the target user (for example, service user UA) has a registered bank account and the combined balance of the bank account set as the charge source when the target user charges (including auto-charge) the money balance held in the electronic payment service and the money balance exceeds the usage fee, the providing unit 132 may provide the target user with ``money balance'' and ``bank transfer'' as options for payment methods for early payment of the usage fee by displaying them on the app screen G.

[0080] Furthermore, the payment server 100 may have a notification unit that, when the scheduled deposit date accepted from the service user UA arrives, notifies the service user UA of the scheduled deposit date and the transfer destination information via the payment application. At that time, the notification unit may also have the service user UA reply as to whether or not the deposit has been made. In this case, the notification unit may notify the credit card server 200 of information that the service user UA has replied that the deposit has been made.

[0081] (2-2. Configuration of Credit Card Server 200) Hereinafter, an example of the functional configuration of the credit card server 200 included in the information processing system SYS according to the embodiment will be described with reference to Fig. 5. Fig. 5 is a diagram showing an example of the configuration of the credit card server 200 according to the embodiment. As shown in Fig. 5, the credit card server 200 includes a communication unit 210, a storage unit 220, and a control unit 230.

[0082] (Regarding communication unit 210) The communication unit 210 is realized by, for example, a network interface card (NIC) etc. The communication unit 210 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 payment server 100.

[0083] (Regarding the storage unit 220) The storage unit 220 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 5, the storage unit 120 has a usage details information storage unit 221 and a management information storage unit 222.

[0084] (Regarding the usage details information storage unit 221) The usage details information storage unit 221 stores usage details information of credit cards registered as cards to be used for "credit card payment" by service users who use electronic payment services. Fig. 6 is a diagram showing an example of usage details information stored in the usage details information storage unit 221 according to the embodiment.

[0085] 6, the user information stored in the user information storage unit 121 has multiple items such as a "user ID" item, a "usage details" item, an "available amount" item, etc. These items in the usage details information are associated with each other.

[0086] The "User ID" item stores a user ID, which is a unique identification given to each service user who uses an electronic payment service (such as service user UA shown in Figure 1) to uniquely identify the service user who has registered to use "credit card payment."

[0087] The "usage details" item stores usage details information indicating usage details linked to the credit card used for the "credit card payment." The usage details information may include, for example, information regarding the billing status indicating the billing status of the usage fee for the "credit card payment."

[0088] The "Available Amount" item stores information indicating the available amount equivalent to the difference between the monthly usage limit set in advance by each service user who has registered to use "credit card payment" and the cumulative "credit card payment" usage amount compiled each month.

[0089] (Regarding the management information storage unit 222) The management information storage unit 222 stores management information related to a credit card used by a service user who uses an electronic payment service for "credit card payment." Fig. 7 is a diagram showing an example of management information stored in the management information storage unit 222 according to the embodiment.

[0090] 7, the user information stored in the user information storage unit 121 has multiple items such as a "user ID" item, a "usage limit" item, a "bank account" item, etc. These items in the usage statement information are associated with each other.

[0091] The "User ID" item stores a user ID, which is a unique identification given to each service user who uses an electronic payment service (such as service user UA shown in Figure 1) to uniquely identify the service user who has registered to use "credit card payment."

[0092] The “Usage Limit” item stores information indicating the maximum amount that can be paid using “Credit Card Payment.” The maximum amount can be set arbitrarily by the service user, for example.

[0093] The "Bank Account" field stores information about the bank account registered by the service user in order to settle the charges for "Credit Card Payment" by direct debit.

[0094] (Regarding the control unit 230) Control unit 230 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit) executing various programs stored in a storage device inside credit card server 200 using RAM as a working area. Control unit 230 can also be realized, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or FPGA (Field Programmable Gate Array).

[0095] As shown in Fig. 6, control unit 230 has management unit 231, and realizes or executes the functions and actions of information processing described below. Note that control unit 230 may be provided with new functional units different from the units shown in Fig. 6 in response to the expansion of various processes executed by credit card server 200.

[0096] (Regarding Management Department 231) The management unit 231 manages the available credit card balance for each service user (such as the service user UA shown in FIG. 1) who uses the electronic payment service. The available credit card balance corresponds to the difference between the monthly upper limit set in advance by each service user who has registered to use the credit card payment service and the cumulative amount of credit card payment usage compiled each month. The management unit 231 calculates the available credit card balance at a predetermined timing and registers the calculated available credit card balance information in the management information storage unit 222 in association with the user ID.

[0097] In addition, when the management unit 231 receives from a service user a setting of an upper limit amount for which payment can be made using “credit card payment”, the management unit 231 may register information indicating the upper limit amount in the management information storage unit 222 in association with the user ID.

[0098] [3. Example of processing procedure] Hereinafter, a flow of information processing executed by the payment server 100 of the information processing system SYS according to the embodiment will be described. FIG. 8 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. 8 is executed by the control unit 130 of the payment server 100. The control unit 130 repeatedly executes the processing procedure shown in FIG. 8 while the payment server 100 is operating.

[0099] As shown in FIG. 8, the reception unit 131 receives a request for advance payment of the service charge "payment by credit card" from the service user through the payment application (step S101).

[0100] The providing unit 132 acquires usage statement information and money balance information corresponding to the target user, who is the service user who has requested the advance payment (Step S102).

[0101] The providing unit 132 also judges whether the target user's money balance is greater than the amount of the usage fee that is the subject of the advance payment (step S103). That is, the providing unit 132 judges whether the target user's money balance allows for the advance payment of the usage fee that is the subject of the advance payment (i.e., the usage fee whose billing status is "unconfirmed") among the usage fees that are "paid by credit card" or not. Note that, if the money balance is greater than the amount of the usage fee that is the subject of the advance payment, the providing unit 132 judges that the money balance allows for the advance payment of the usage fee that is the subject of the advance payment.

[0102] If the providing unit 132 determines that the money balance is greater than the amount of the usage fee that is the subject of the advance payment (step S103; YES), it selects "balance payment" and "bank transfer" as payment methods that the target user can select when making the advance payment (step S104).

[0103] The providing unit 132 transmits screen information for displaying an application screen for accepting the procedure for early payment (for example, application screen G-2 shown in Fig. 2) to the user terminal 10 via the communication unit 110 (step S105), and ends the processing procedure shown in Fig. 8. Note that the application screen displayed on the user terminal 10 based on the screen information transmitted in step S105 reflects "balance payment" and "bank transfer" as payment methods selectable by the target user when making an early payment.

[0104] In the above-mentioned step S103, when the providing unit 132 judges that the money balance is equal to or less than the amount of the usage fee to be paid in advance (step S103; No), it selects "bank transfer" as a payment method selectable by the target user when paying in advance (step S106) and proceeds to the processing procedure of the above-mentioned step S105. In this case, only "bank transfer" is reflected as a payment method selectable by the target user when paying in advance on the application screen displayed on the user terminal 10 by the screen information transmitted in step S105.

[0105] In addition, in step S103, if the providing unit 132 does not take into account a specified fee for using the advance payment, it may determine whether the money balance of the target user is equal to or greater than the amount of the usage fee that is the subject of the advance payment.

[0106] 4. Modifications In the above embodiment, an example has been described in which the information processing system SYS according to the embodiment is configured to include the payment server 100 and the credit card server 200, but the information processing system SYS does not need to be particularly 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 addition, a part of the processing function of the control unit 130 of the payment server 100 may be distributed to the credit card server 200.

[0107] 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.

[0108] 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.

[0109] Furthermore, the above-described embodiments can be appropriately combined as long as the processing contents are not contradictory.

[0110] 5. Effects As described above, the information processing system SYS according to the embodiment is an information processing system including a payment server 100 (an example of a "first device") that executes processing related to an electronic payment service that allows a credit card payment to be selected as a payment method for a price of a transaction object when using code payment using predetermined code information, and a credit card server 200 (an example of a "second device") that cooperates with the payment server 100 in payment processing of credit card payment, and the payment server 100 has a reception unit 131 and a provision unit 132. The reception unit 131 receives a request for advance payment from a service user (an example of a "user") who uses an electronic payment service, of a usage fee that is not yet determined among the usage fees paid by credit card that are provided to the service user. When the reception unit 131 receives a request for advance payment, the provision unit 132 provides the target user, who is the source of the advance payment request, with an app screen G-2 (an example of a "first screen") for receiving a procedure for advance payment from the target user.

[0111] In this way, in the information processing system SYS according to the embodiment, the payment server 100 can accept a request for early payment of an unconfirmed "credit card payment" usage fee through the payment app. In addition, the payment server 100 can provide the service user with screen information for displaying an app screen that accepts the procedure for early payment from the target user by transmitting it to the user terminal 10. In this way, the information processing system SYS according to the embodiment can expand the range of repayment methods for credit card payment usage fees, which is one of the post-payment type cashless payments, and improve usability.

[0112] The providing unit 132 may provide the target user with an application screen G-2 that allows the target user to select at least one of a payment by using the money balance, which is the balance of electronic money associated with the target user, and a bank transfer to a specified bank account, as a method of early payment. This allows the information processing system SYS according to the embodiment to have a wider range of payment method options when making an early payment.

[0113] The providing unit 132 may also obtain credit card payment statement information associated with the target user from the credit card server 200, and provide the application screen G-2 including balance payment as a method of advance payment on condition that it is determined that the advance payment of the usage fee is possible based on the obtained statement information. This allows the information processing system SYS according to the embodiment to accurately present to the target user only payment methods selectable when making an advance payment.

[0114] Furthermore, when bank transfer is selected on the application screen G-2, the providing unit 132 may provide a confirmation screen G-4 (an example of a "second screen") that is a screen for confirming the bank transfer procedure and that can accept the designation of the scheduled date of payment of the usage fee from the target user. This allows the information processing system SYS according to the embodiment to improve the efficiency of payment confirmation in the credit card server 200.

[0115] Furthermore, the credit card server 200 included in the information processing system SYS according to the embodiment has a management unit 231 that manages the available credit card credit limit for each service user who uses the electronic payment service. When the management unit 231 confirms that the usage fee has been paid in advance, it increases the available credit limit associated with the target user by an amount equivalent to the usage fee. As a result, when the service user uses code payment, the information processing system SYS according to the embodiment allows the user to consider "credit card credit card payment" as one of the options for the payment method of the transaction, thereby improving usability.

[0116] [6. Hardware Configuration] Moreover, the payment server 100 and the credit card server 200 according to the above-mentioned embodiment or modification are realized, for example, by a computer 1000 configured as shown in Fig. 9. Fig. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the payment server 100 or the credit card server 200 constituting the information processing system SYS according to the embodiment or modification.

[0117] 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.

[0118] 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.

[0119] 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.

[0120] 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.

[0121] 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.

[0122] 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.

[0123] 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.

[0124] For example, when computer 1000 functions as credit card server 200 according to the embodiment or the modification, arithmetic device 1030 of computer 1000 executes a program (e.g., an information processing program) loaded onto primary storage device 1040 to realize a function similar to that of control unit 230. That is, arithmetic device 1030 cooperates with a program (e.g., an information processing program) loaded onto primary storage device 1040 to realize the processing by credit card server 200 according to the embodiment or the modification.

[0125] [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 aspects described in the Disclosure of the Invention section.

[0126] 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.

[0127] 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]

[0128] SYS Information Processing System 10 User terminal 100 Payment Server 110 Communications Department 120 Storage section 121 User information storage unit 130 Control section 131 Reception 132 Provision Department 200 Credit Card Server 210 Communications Department 220 Storage section 221 Usage details information storage unit 222 Management information storage unit 230 Control Unit 231 Management Department

Claims

1. An information processing system including: a first device that executes processing related to an electronic payment service that allows a credit card payment to be selected as a payment method for a price of a transaction object when using a code settlement using predetermined code information; and a second device that cooperates with the first device in the credit card payment processing, The first device is a reception unit that receives from a user a request for early payment of an unconfirmed portion of the credit card usage fee provided to the user of the electronic payment service; a providing unit that, when the request for the advance payment is accepted by the accepting unit, provides a first screen to a target user who has requested the advance payment, for accepting a procedure for the advance payment from the target user; An information processing system comprising:

2. The providing unit is The first screen is provided to the target user, which allows the target user to select at least one of a payment by a money balance, which is a balance of electronic money linked to the target user, and a bank transfer to a predetermined bank account, as a method of the advance payment.

2. The information processing system according to claim 1 .

3. The providing unit is obtain from the second device credit card payment statement information associated with the target user, and, on the condition that it is determined based on the obtained credit card statement information that the money balance allows for the advance payment of the charge, provide the first screen including the balance payment as a method of the advance payment.

3. The information processing system according to claim 2.

4. The providing unit is When bank transfer is selected on the first screen, a second screen is provided, which is a screen for confirming a procedure for the bank transfer and is capable of accepting a designation of a planned date for depositing the charge from the target user.

2. The information processing system according to claim 1 .

5. The second device is A management unit for managing the available credit card payment amount for each user having The management unit When the payment of the usage fee through the advance payment is confirmed, the available credit associated with the target user is increased by an amount equivalent to the usage fee.

2. The information processing system according to claim 1 .

6. An information processing method executed by an information processing system including a first device that executes a process related to an electronic payment service that allows a credit card payment to be selected as a payment method for a price of a transaction object when using a code settlement using predetermined code information, and a second device that cooperates with the first device in the credit card payment process, The first device, a receiving step of receiving from the user a request for early payment of the unconfirmed credit card usage fee provided to the user of the electronic payment service; a providing step of providing a first screen to a target user who has requested the advance payment, for accepting a procedure for the advance payment from the target user, when the request for the advance payment is accepted by the accepting step; 13. An information processing method comprising:

Images