Information processing system and information processing method

Abstract

To improve the smooth operation of postpaid cashless settlement.SOLUTION: An information processing device comprises an acquisition unit and a notification unit. The acquisition unit accepts a notification request for notifying a user who has not yet refunded a postpaid usage fee that the usage fee has not yet being paid from the other device managed by a business operator operating a service, which is other service cooperating with the electronic settlement service and providing the user of the electronic settlement service with a postpaid payment method through the electronic settlement service. When the notification request is accepted, the notification unit notifies a target user equivalent to the unpaid user that the usage fee has not yet been paid via a settlement application.SELECTED DRAWING: Figure 4

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 deferred payment method to be selected as a payment method for a price of a transaction object when using code payment using predetermined code information, and has a reception unit and a notification unit. The reception unit receives a notification request from another device managed by an operator of a service that cooperates with the electronic payment service and provides a deferred payment method to users of the electronic payment service through the electronic payment service, requesting that a notification be made to an unpaid user whose deferred payment usage fee is unpaid that repayment of the deferred payment usage fee has not been completed. When the notification request is received, the notification unit executes a notification to the target user corresponding to the unpaid user via a payment application. 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 showing an example of message information displayed on a payment completion screen according to the embodiment. [Diagram 3] FIG. 3 is a diagram illustrating an example of a transmission timing of message information according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of the configuration of a payment server included in the information processing system according to the embodiment. [Diagram 5] FIG. 5 is a diagram illustrating an example of user information stored in a user information storage unit according to the embodiment. [Figure 6] FIG. 6 is a diagram showing an example of the configuration of a credit card server included in the information processing system according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of billing information stored in the billing 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 flowchart illustrating an example of a processing procedure of information processing executed by the credit card server according to the embodiment. [Figure 10] FIG. 10 is a hardware configuration diagram showing an example of a computer that realizes the functions of the payment server and the credit card server that constitute the information processing system according to the embodiment or the modification. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] Hereinafter, the information processing system, information processing device, information processing method, and information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing system, information processing method, and 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)), 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) 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] The credit card server 200 identifies target users who have outstanding deferred payment charges, which are charges for code payments made using "deferred payment" or "credit card payment", from among users who use a credit card service (an example of a "first payment service") and an electronic payment service linked to the credit card service (an example of a "second payment service") (step S01). For example, the credit card server 200 refers to the repayment status of customers who are also service users of the electronic payment service, among the repayment statuses of deferred payment charges managed for all customers of the service provider UC, to identify target users who have outstanding deferred payment charges.

[0039] Also, the credit card server 200 transmits a notification request to the payment server 100 (an example of "another device operated by the second business providing the second payment service"), requesting that the specified target user be notified that repayment of the deferred payment charge has not been completed (step S02). For example, the credit card server 200 transmits a notification request to the payment server 100, requesting that the specified target user be notified that repayment of the deferred payment charge has not been completed.

[0040] Instead of sending a notification request, the credit card server 200 may use an API (Application Programming Interface) provided by the service provider UB to access a management file in which the payment server 100 manages the target user, and register identification information for identifying the target user in the management file. For example, the credit card server 200 may register the user ID, which is individually assigned to each service user in the electronic payment service, by writing it into the management file as identification information for identifying the target user.

[0041] When the payment server 100 receives a notification request from the credit card server 200 requesting that a notification be sent to the effect that repayment of the deferred payment usage charge has not been completed (step S03), the payment server 100 executes notification that repayment of the deferred payment usage charge has not been completed by sending predetermined message information (for example, message information M-1 shown in FIG. 1) to the target user, i.e., the service user UA, via the payment application (step S04).

[0042] For example, the payment server 100 may send message information to the user terminal 10 (an example of a "terminal device") used by the target user, the service user UA, to notify the user that repayment of the deferred payment usage fee has not been completed by push notification via the payment app.

[0043] When the user terminal 10 receives the message information M-1 from the payment server 100, the user terminal 10 displays the received message information M-1 on the top screen G1 of the payment application when the payment application is launched by the service user UA. Display example EX-1 shown in FIG. 1 shows an example of the message information M-1 displayed on the top screen G1 of the payment application. The message information M-1 shown in FIG. 1 displays a message to the effect that the repayment of the deferred payment usage charge has not been completed, as well as information indicating the billing amount, which is the deferred payment usage charge, and the bank account to which the repayment is to be made as a payment method. The message information M-1 shown in FIG. 1 also includes a button BT-1 for accepting an operation to directly move from the message information M-1 to the payment procedure for the deferred payment usage charge, and a button BT-2 for accepting an operation to hide the message information M-1. In addition, the user terminal 10 may display message information M-1 on the payment app (for example, the top screen G1) including a message to the effect that repayment of the deferred payment charge has not been completed when the payment method for the code payment usage charge is switched from "balance payment" to a deferred payment method such as "deferred payment" or "credit card payment."

[0044] Also, for example, the payment server 100 may transmit message information to the user terminal 10 used by the service user UA to notify that the repayment of the deferred payment usage fee has not been completed each time a payment using the payment app is completed. Also, for example, the payment server 100 may transmit message information to the user terminal 10 used by the service user UA to notify that the repayment of the deferred payment usage fee has not been completed only when a payment is completed using a deferred payment method such as "deferred payment" or "credit card payment" using the payment app. FIG. 2 is a diagram showing a display example of message information on a payment completion screen according to an embodiment. Display example EX-2 shown in FIG. 2 shows an example of message information M-2 displayed on the payment completion screen G2 of the user terminal 10.

[0045] The payment server 100 executes a payment process according to the transaction information received from the user terminal 10, and when the payment process is normally completed, it transmits to the user terminal 10 message information M-2 for notifying the user that the repayment of the deferred payment charge has not been completed, together with information on the payment completion screen. When the user terminal 10 receives the message information M-2 from the payment server 100 together with information on the payment completion screen, it displays the received message information M-2 on the payment completion screen G2 of the payment application, for example, as shown in FIG. 2. The message information M-2 shown in FIG. 2 displays a message that the repayment of the deferred payment charge has not been completed. In addition, the message information M-2 shown in FIG. 2 includes a button BT-3 for accepting an operation to display the usage details regarding the deferred payment charge that has not been repaid, and a button BT-4 for accepting an operation to directly move from the message information M-1 to the payment procedure of the deferred payment charge. The button BT-4 may be assigned the same function as the button BT-1 shown in FIG. 1. Note that FIG. 2 is an example of a display mode of the message information M-2, and it is not necessary to be particularly limited to the example shown in FIG. 2.

[0046] Also, for example, the payment server 100 may repeatedly change the timing of sending message information for notifying the user that the repayment of the deferred payment charge has not been completed, based on the opening status of the message information corresponding to the notification. Specifically, when the message information has not been opened, the payment server 100 can send the message information at a shorter period than when the message information has been opened. FIG. 3 is a diagram showing an example of the timing of sending message information according to the embodiment. Display example EX-3 shown in FIG. 3 shows an example of message information M-3 displayed by push notification on the home screen G3 of the user terminal 10.

[0047] The payment server 100 transmits message information M-3 to the service user UA to notify that the repayment of the deferred payment charge has not been completed, and then collects the opening status of the message information M-3. If the message information M-3 has been opened by the service user UA, the payment server 100 transmits the message information M-3 again by push notification via the payment application, for example, three days after the day the message information M-3 was last transmitted, as shown in FIG. 3. On the other hand, if the message information M-3 has not been opened by the service user UA, the payment server 100 transmits the message information M-3 again, for example, the day after the day the message information M-3 was last transmitted, as shown in FIG. 3. Note that FIG. 3 is an example of the timing of transmitting the message information M-3, and the timing of transmission is not particularly limited to that shown in FIG. 3, and any timing of transmission that can achieve the purpose of encouraging the repayment of the deferred payment charge through the transmission of the message information M-3 can be adopted. In addition, the payment server 100 is not limited to changing the transmission timing of the message information M-3, and may change the transmission frequency of the message information M-3. For example, if the message information M-3 is not opened, the payment server 100 may transmit the message information M-3 multiple times a day at any timing.

[0048] As described above, according to the information processing system SYS of the embodiment, the payment server 100 can make the target user aware that the deferred payment usage fee, which is the usage fee for code payment made by selecting the deferred payment method of "deferred payment" or "credit card payment", is in an unpaid state, that is, that the repayment of the deferred payment usage fee has not been completed. As a result, the information processing system SYS of the embodiment can encourage the repayment of the deferred payment usage fee, collect the receivables early, and facilitate the smooth operation of deferred cashless payment.

[0049] [2. Equipment configuration] (2-1. Configuration of payment server 100) Hereinafter, the device configuration of the information processing system SYS according to the embodiment will be described. First, an example of the 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. 4. Fig. 4 is a diagram showing an example of the configuration of the payment server 100 included in the information processing system SYS according to the embodiment. As shown in Fig. 4, the payment server 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

[0050] (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.

[0051] (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. 4, the storage unit 120 has a user information storage unit 121 and a notification method storage unit 122.

[0052] (Regarding the user information storage unit 121) The user information storage unit 121 stores user information related to users of electronic payment services. Fig. 5 is a diagram showing an example of user information stored in the user information storage unit 121 according to the embodiment.

[0053] 5, 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, etc. These items in the user information are associated with each other.

[0054] 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.

[0055] 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.

[0056] 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.

[0057] (Regarding the notification method storage unit 122) The notification method storage unit 122 stores information about a notification method for notifying a target user who has not paid a deferred payment service charge that the repayment of the deferred payment service charge has not been completed. The notification method is set, for example, by the service provider UB, which is the administrator of the payment server 100. The information about the notification method may include information such as settings of notification contents, function settings such as push notification, and settings of the timing of sending message information.

[0058] (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).

[0059] As shown in Fig. 4, the control unit 130 has a reception unit 131 and a notification 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. 4 in response to the extension of various processes executed by the payment server 100.

[0060] (Regarding the reception unit 131) The reception unit 131 receives a notification request from the credit card server 200 managed by the service provider UC that operates another service that cooperates with the electronic payment service and provides a deferred payment method to users of the electronic payment service through the electronic payment service, to notify a target user whose deferred payment charge is unpaid that the repayment of the deferred payment charge has not been completed. For example, the reception unit 131 receives a notification request transmitted from the credit card server 200 via the communication unit 110.

[0061] (Regarding the notification unit 132) When the notification request is accepted by the accepting unit 131, the notification unit 132 notifies the target user, whose deferred payment charges are outstanding, via the payment application that the repayment of the deferred payment charges has not been completed.

[0062] For example, the notification unit 132 may send message information to the user terminal 10 used by the target user by push notification via a payment app to notify the user that repayment of the deferred payment usage fee has not been completed.

[0063] Also, for example, the notification unit 132 may send message information to the user terminal 10 used by the target user each time a payment is completed using the payment app, to notify the user that repayment of the deferred payment usage fee has not been completed.

[0064] Also, for example, the notification unit 132 may change the timing of sending message information for repeatedly executing notifications based on the opening status of message information corresponding to the notification that the repayment of the deferred payment usage fee has not been completed. Specifically, when the message information has not been opened, the notification unit 132 may send the message information at a shorter cycle than when the message information has been opened.

[0065] Also, for example, the notification unit 132 may send message information to the user terminal 10 used by the service user UA to notify the user that repayment of the deferred payment usage fee has not been completed only when payment has been completed using a deferred payment method such as "deferred payment" or "credit card payment" using a payment app.

[0066] (2-2. Configuration of Credit Card Server 200) Next, 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. 6. Fig. 6 is a diagram showing an example of the configuration of the credit card server 200 included in the information processing system SYS according to the embodiment. As shown in Fig. 6, the credit card server 200 includes a communication unit 210, a storage unit 220, and a control unit 230.

[0067] (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.

[0068] (Regarding the storage unit 220) The storage unit 220 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. 8, the storage unit 220 has a billing information storage unit 221.

[0069] (Regarding the billing information storage unit 221) The billing information storage unit 221 stores credit card billing information. Fig. 7 is a diagram showing an example of billing information stored in the billing information storage unit 221 according to the embodiment.

[0070] 7, the billing information stored in the billing information storage unit 221 has multiple items such as a "billing ID", a "billing destination", a "details of use", a "usage amount", a "bank account information", a "repayment status", a "corresponding user ID", etc. These items in the billing information are mutually associated.

[0071] The "Billing ID" field stores a billing ID, which is identification information assigned individually to each billing information to identify the billing information. The "Billing destination" field stores information for identifying the billing destination. For example, the information for identifying the billing destination may include user information, card number information, and the like. The "Usage details" field stores information indicating credit card usage during a specified period. The "Usage amount" field stores information indicating the total amount of credit card usage during a specified period. The "Bank account information" field stores information regarding the account from which credit card usage fees are debited. The "Repayment status" field stores information indicating the repayment status of "credit card payment" usage fees. The "Corresponding user ID" field stores a user ID that is assigned individually in the electronic payment service to the customer who is the billing destination.

[0072] (Regarding the control unit 230) The control unit 230 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) 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 ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

[0073] As shown in Fig. 4, control unit 230 has identification unit 231 and transmission unit 232, and these units realize or execute the functions and actions of information processing described below. Note that control unit 230 may have new functional units different from the units shown in Fig. 4 in response to the expansion of various processes executed by credit card server 200.

[0074] (Regarding the specific part 231) The identification unit 231 identifies target users who have unpaid deferred payment charges, which are the charges for code payments made using "deferred payment" or "credit card payment," from among users who use credit card services and electronic payment services linked to credit card services.

[0075] (Regarding the transmitting unit 232) The sending unit 232 sends a notification request to the payment server 100 operated by a service provider UB that provides electronic payment services, requesting that target users who have outstanding deferred payment charges be notified that they have not completed repayment of their deferred payment charges.

[0076] The transmission unit 232 may use an API provided by the service provider UB to register, in the payment server 100, identification information for identifying a target user who has an unpaid deferred payment charge. The control unit 230 may further include, instead of the transmission unit 232, a registration unit that registers, in the payment server 100, identification information for identifying a target user.

[0077] [3. Example of processing procedure] (3-1. Processing by the payment server 100) Hereinafter, a flow of information processing executed by the information processing system SYS according to the embodiment will be described. First, an example of a processing procedure of information processing executed by the payment server 100 according to the embodiment will be described with reference to Fig. 8. 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 included in the payment server 100. The control unit 130 repeatedly executes the processing procedure shown in Fig. 10 while the payment server 100 is operating.

[0078] 8, the receiving unit 131 receives a notification request from the credit card server 200 to notify a target user who has an outstanding deferred payment charge that the repayment of the deferred payment charge has not been completed (step S101). For example, the receiving unit 131 receives the notification request transmitted from the credit card server 200 via the communication unit 110.

[0079] When the notification request is accepted by the accepting unit 131, the notification unit 132 notifies the target user via the payment application that the repayment of the deferred usage fee has not been completed (step S102), and terminates the processing procedure shown in Figure 8.

[0080] (3-2. Processing by Credit Card Server 200) Hereinafter, an example of the information processing procedure executed by the credit card server 200 according to the embodiment will be described with reference to Fig. 9. Fig. 9 is a flowchart showing an example of the information processing procedure executed by the credit card server 200 according to the embodiment. The processing procedure shown in Fig. 9 is executed by the control unit 230 of the credit card server 200. The control unit 230 repeatedly executes the processing procedure shown in Fig. 9 while the credit card server 200 is operating.

[0081] As shown in FIG. 9, the identification unit 231 identifies target users who have unpaid deferred payment charges, which are the charges for code payments made using “deferred payment” or “credit card payment,” from among users who use credit card services and electronic payment services linked to credit card services (step S201).

[0082] The sending unit 232 sends a notification request to the payment server 100 to request that the payment server 100 notify the target users who have outstanding deferred payment charges that they have not completed repayment of the deferred payment charges (step S202), and then terminates the processing procedure shown in Figure 9.

[0083] 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 this case, for example, the control unit 130 of the payment server 100 and the control unit 230 of the credit card server 200 may have a processing function.

[0084] 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.

[0085] 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.

[0086] Furthermore, the above-described embodiments can be appropriately combined as long as the processing contents are not contradictory.

[0087] 5. Effects As described above, the payment server 100 of the information processing system SYS according to the embodiment 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 price of a transaction object when using code payment using predetermined code information, and includes a reception unit 131 and a notification unit 132. The reception unit 131 receives a notification request from a credit card server 200 (an example of an "other device") managed by a service provider UC that operates a credit card service that provides a deferred payment method to a service user UA (an example of a "user") of the electronic payment service, which is another service that cooperates with the electronic payment service, to notify a target user whose deferred payment usage fee is unpaid that the repayment of the deferred payment usage fee has not been completed. When the notification request is received by the reception unit 131, the notification unit 132 executes a notification to the target user via a payment application that the repayment of the deferred payment usage fee has not been completed.

[0088] In this way, the payment server 100 of the information processing system SYS according to the embodiment can make the target user aware that the deferred payment usage fee, which is the usage fee for code payment made by selecting the deferred payment or credit card payment, which are the deferred payment payment methods, is in an unpaid state, that is, that the repayment of the deferred payment usage fee has not been completed. As a result, the information processing system SYS according to the embodiment can encourage the repayment of the deferred payment usage fee, collect the receivables early, and facilitate the smooth operation of deferred cashless payment.

[0089] In addition, the notification unit 132 transmits message information for notifying the target user that the repayment of the deferred payment charge has not been completed to the user terminal 10 (an example of a "terminal device") used by the target user by push notification via the payment application. This allows the information processing system SYS according to the embodiment to easily make the target user aware that the repayment of the deferred payment charge has not been completed.

[0090] Furthermore, the notification unit 132 may transmit message information to the user terminal 10 used by the target user to notify the target user that the repayment of the deferred payment charge has not been completed each time a payment using the payment application is completed. In this way, the information processing system SYS according to the embodiment can increase the possibility that the target user will recognize that the repayment of the deferred payment charge has not been completed.

[0091] Furthermore, the notification unit 132 may change the timing of sending the message information when repeating the notification based on the opening status of the message information corresponding to the notification that the repayment of the deferred payment usage fee has not been completed. For example, when the message information has not been opened, the notification unit 132 may send the message information at a shorter period than when the message information has been opened. In this way, the information processing system SYS according to the embodiment can further increase the possibility that the target user will recognize that the repayment of the deferred payment usage fee has not been completed.

[0092] In addition, in order to notify the target user, the reception unit 131 may receive an operation for directly proceeding to a payment procedure for the deferred usage fee from the target user through message information transmitted to the user terminal 10 used by the target user by the notification unit 132. In this way, the information processing system SYS according to the embodiment can increase the possibility that the target user will repay the deferred usage fee.

[0093] The credit card server 200 of the information processing system SYS according to the embodiment is an information processing device managed by a service provider UC (an example of a "first business entity") that operates a credit card service (an example of a "first payment service") that provides a postpaid payment method as a means of payment for the price of a transaction object, and includes an identification unit 231 and a transmission unit 232. The identification unit 231 identifies target users who have not paid a postpaid usage fee from among users who use the credit card service and an electronic payment service (an example of a "second payment service") that cooperates with the credit card service. The transmission unit 232 transmits a notification request to the payment server 100 (an example of an "other device") operated by a service provider UA (an example of a "second business entity") that provides an electronic payment service, requesting that the payment server 100 notify target users who have not paid a postpaid usage fee that they have not completed repayment of the postpaid usage fee.

[0094] As a result, the information processing system SYS according to the embodiment can quickly let a target user who has not yet completed payment of a deferred payment usage fee know that the deferred payment usage fee remains unpaid.

[0095] The transmission unit 232 may use an API provided by the service provider UA to register identification information for identifying the target user in the payment server 100. In this way, the information processing system SYS according to the embodiment can quickly make the target user aware that the deferred payment usage fee is unpaid, while reducing the processing burden on the payment server 100.

[0096] [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. 10. Fig. 10 is a hardware configuration diagram showing an example of a computer that realizes the functions of the payment server 100 and the credit card server 200 constituting the information processing system according to the embodiment or modification.

[0097] 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.

[0098] 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.

[0099] 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.

[0100] 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.

[0101] 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.

[0102] 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.

[0103] 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.

[0104] Furthermore, 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, thereby realizing 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.

[0105] Also, for example, when computer 1000 functions as an information processing device having the processing functions of both payment server 100 and credit card server 200 according to the embodiment or the modified example, CPU 1100 of computer 1000 realizes the function of a control unit of the information processing device by executing a program loaded on RAM 1200. That is, CPU 1100 realizes the processing by the information processing device having the processing functions of both payment server 100 and credit card server 200 in cooperation with a program (e.g., an information processing program) loaded on RAM 1200.

[0106] [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.

[0107] 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.

[0108] 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]

[0109] SYS Information Processing System 10 User terminal 100 Payment Server 110 Communications Department 120 Storage section 121 User information storage unit 122 Notification method storage unit 130 Control section 131 Reception 132 Notification Department 200 Credit Card Server 210 Communications Department 220 Storage section 221 Billing information storage unit 230 Control Unit 231 Specific section 232 Transmitter

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, a reception unit that receives a notification request from another device managed by an operator of another service that cooperates with the electronic payment service and provides a deferred payment method to users of the electronic payment service through the electronic payment service, the notification request requesting that a notification be sent to a target user who has an unpaid deferred payment charge that repayment of the deferred payment charge has not been completed; a notification unit that, when the notification request is accepted by the acceptance unit, executes the notification via a payment application provided to a user of the electronic payment service in order to use the code payment; 13. An information processing device comprising:

2. The notification unit is By a push notification via the payment application, message information for executing the notification is sent to a terminal device used by the target user.

2. The information processing apparatus according to claim 1,

3. The notification unit is Each time a payment using the payment application is completed, message information for executing the notification is sent to a terminal device used by the target user.

2. The information processing apparatus according to claim 1,

4. The notification unit is Based on the opening status of the message information corresponding to the notification, a timing for transmitting the message information when the notification is repeated is changed.

2. The information processing apparatus according to claim 1,

5. The notification unit is If the message information is unopened, the message information is transmitted at a shorter interval than if the message information is opened.

5. The information processing apparatus according to claim 4.

6. The reception unit is In order to notify the target user, an operation for directly proceeding to a payment procedure for the deferred payment charge is received from the target user through message information transmitted by the notification unit to a terminal device used by the target user.

2. The information processing apparatus according to claim 1,

7. An information processing device managed by a first business that operates a first settlement service that provides a deferred payment method as a means of payment for a transaction, An identification unit that identifies target users who have outstanding deferred payment charges from among users who use the first payment service and a second payment service linked to the first payment service; a transmission unit that transmits a notification request to another device operated by a second business that provides the second settlement service, requesting that a target user who has an outstanding deferred payment charge be notified that repayment of the deferred payment charge has not been completed; 13. An information processing device comprising:

8. The transmission unit is Using an API provided by the second business, identification information for identifying the target user is registered in the other device.

8. The information processing apparatus according to claim 7,

9. An information processing method executed 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: a receiving step of receiving a notification request from another device managed by an operator of another service that cooperates with the electronic payment service and provides a deferred payment method to users of the electronic payment service through the electronic payment service, the notification request requesting that a notification be sent to a target user who has an outstanding deferred payment charge that repayment of the deferred payment charge has not been completed; a notification step of executing the notification via a payment application provided to a user of the electronic payment service in order to use the code payment, when the notification request is accepted by the accepting step; 13. An information processing method comprising:

10. 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, a receiving step of receiving a notification request from another device managed by an operator of another service that cooperates with the electronic payment service and provides a deferred payment method to users of the electronic payment service through the electronic payment service, the notification request requesting that a notification be sent to a target user who has an unpaid deferred payment charge that the repayment of the deferred payment charge has not been completed; a notification step of executing the notification via a payment application provided to a user of the electronic payment service in order to use the code payment, when the notification request is accepted by the acceptance step; An information processing program characterized by causing the program to execute the above steps.

11. An information processing method executed by a computer managed by a first business that operates a first settlement service that provides a deferred payment method as a means of payment for a transaction, comprising: A step of identifying target users who have outstanding deferred payment charges from among users who use the first payment service and a second payment service linked to the first payment service; a transmission step of transmitting a notification request to another device operated by a second business providing the second settlement service, requesting that a notification be sent to a target user who has an outstanding deferred payment charge that repayment of the deferred payment charge has not been completed; 13. An information processing method comprising:

12. A computer managed by a first company that operates a first settlement service that provides a deferred payment method as a means of payment for a transaction, an identification step of identifying a target user who has an outstanding deferred payment charge from among users who use the first payment service and a second payment service linked to the first payment service; a transmission step of transmitting a notification request to another device operated by a second business providing the second settlement service, requesting that a target user who has an outstanding deferred payment charge notify the user that the repayment of the deferred payment charge has not been completed; An information processing program characterized by causing the program to execute the above steps.

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