Information processing method, program and information processing apparatus

Abstract

To improve the speed of a credit line restoration process at a timing desired by the user.SOLUTION: An information processing method executes the steps of: processing one or more deferred payments for a transaction within a prescribed period in which a maximum payment amount for the deferred payments is set; subtracting each amount of the one or more deferred payments from the maximum payment amount; executing a payoff of a prescribed amount for the one or more deferred payments within the prescribed period; and adding an amount based on the prescribed amount to the maximum payment amount after the payoff.SELECTED DRAWING: Figure 6

Description

[Technical field]

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

[0002] Conventionally, electronic payment systems have been developed that set a credit limit and enable purchases within the credit limit. In such electronic payment systems, a technology is known in which a credit limit is generated by depositing money and the credit limit is restored by making a payment based on billing data (for example, see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2023-69449 A Summary of the Invention [Problem to be solved by the invention]

[0004] As described above, the prior art discloses that the credit limit generated by a deposit can be restored by a user who receives billing data from a store and sends cash to the store, but does not assume the restoration of a preset credit limit. For example, when an upper limit (credit limit) is set for each predetermined period of deferred payment, in most cases the upper limit is restored by settlement performed every predetermined period. In this case, the user must wait for the predetermined period to elapse, and the credit limit cannot be restored quickly at the user's convenience.

[0005] Therefore, an object of the present disclosure is to provide an information processing method, a program, and an information processing device that enable improving the speed of credit limit restoration processing at a timing desired by a user. [Means for solving the problem]

[0006] An information processing method according to one embodiment of the present disclosure includes an information processing device that processes one or more deferred payment payments in a transaction within a specified period in which a maximum payable amount for the deferred payment is set, subtracts each amount relating to the one or more deferred payment payments from the maximum payable amount, settles a specified amount for the one or more deferred payment payments within the specified period, and, following the settlement, adds an amount based on the specified amount to the maximum payable amount after subtraction. [Brief description of the drawings]

[0007] [Figure 1] 1A to 1C are diagrams illustrating an example of a block diagram showing an example of a configuration of an information processing system according to an embodiment, an example of a hardware configuration of a server according to the present disclosure, and an example of a hardware configuration of a terminal according to the present disclosure. [Diagram 2] FIG. 4 is a diagram illustrating an example of user information according to the embodiment. [Diagram 3] FIG. 4 is a diagram illustrating an example of account information according to the embodiment. [Figure 4] FIG. 11 is a diagram illustrating an example of payment information according to the embodiment. [Diagram 5] FIG. 4 is a diagram showing an example of transaction information according to an embodiment. [Figure 6] FIG. 2 is a diagram illustrating an example of a processing sequence of an information processing system according to an embodiment. [Figure 7] FIG. 13 is a diagram showing an example of the current upper limit of payment that can be paid for a deferred payment displayed on the screen of the terminal according to the embodiment. [Figure 8] 13A to 13C are diagrams illustrating an example of screen transitions related to settlement displayed on the screen of the terminal according to the embodiment. [Figure 9] FIG. 13 is a diagram showing an example of the current settlement upper limit amount after recovery displayed on the screen of the terminal according to the embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0008] <Legal compliance> The disclosure described herein is implemented in compliance with the laws and regulations of the countries in which the disclosure is implemented. In addition, the disclosure described herein is implemented with all changes, substitutions, variations, modifications, or alterations that a person skilled in the art can make that are necessary to comply with the laws and regulations of the countries.

[0009] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment for implementing an information processing method, a program, and an information processing device according to the present disclosure will be described with reference to the drawings. <System configuration>

[0010] 1 discloses a configuration of an information processing system 1 according to an embodiment of the present disclosure. In the information processing system 1, a server 110A, a server 110B, a terminal 120A, a terminal 120B, a terminal 120C, and a server 150 that cooperates with the server 110A are connected via a network 130. For example, by cooperating with the server 150, the server 110A can acquire information related to a service (e.g., a payment service or an electronic commerce service) provided by the server 150.

[0011] When there is no need to distinguish between server 110A and server 110B, server 110A and server 110B may each be expressed as server 110. Note that the number of servers 110 connected to network 130 is not limited.

[0012] When there is no need to distinguish between terminal 120A, terminal 120B, and terminal 120C, terminal 120A, terminal 120B, and terminal 120C may each be expressed as terminal 120. Note that the number of terminals 120 connected to network 130 is not limited.

[0013] The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service includes, but is not limited to, a payment service, a financial service, an electronic commerce service, a social networking service (SNS) represented by an instant messaging service, and a content providing service such as music, videos, and books. The server 150, for example, builds an electronic commerce platform and provides the electronic commerce service to the terminal 120. The servers 110 and 150 may provide one or more services individually, or may provide one or more services together. The servers 110 and 150 provide the respective services to one or more terminals 120, so that the user can use the respective services via the terminal 120.

[0014] If necessary, the terminal used by user X is expressed as terminal 120X, and information associated with the user in a predetermined service associated with user X or terminal 120X is expressed as user information X. User information can include, by way of example and without limitation, information associated with the user, such as the user's name, user's icon image, user's age, user's sex, user's address, user's hobbies and interests, and user's identifier, which is input by the user or given by a predetermined service, balance information of electronic value (electronic money) associated with the user, credit card information (such as a credit card number) associated with the user, and the like.

[0015] The network 130 connects two or more servers 110, 150, or two or more terminals 120. The network 130 provides a connection path so that the terminal 120 can transmit and receive data after connecting to the servers 110, 150.

[0016] One or more portions of network 130 may be a wired network or a wireless network. Network 130 may be, for example and without limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (WLAN), a wide area network (WAN), a wireless WAN (WWAN), a metropolitan area network (MAN), a portion of the Internet, a portion of the Public Switched Telephone Network (PSTN), a cellular network, Integrated Service Digital Networks (ISDNs), wireless LANs, Long Term Evolution (LTE), Code Division Multiple Access (CDMA), Bluetooth, satellite communications, or any combination thereof. Network 130 may include one or more networks 130.

[0017] Servers 110, 150 and terminal 120 may be any information processing device capable of implementing the processes, functions or methods described in this disclosure.

[0018] Servers 110, 150 and terminal 120 may be, for example and without limitation, a smartphone, a mobile phone (feature phone), a computer (for example and without limitation, a desktop, laptop, tablet, etc.), a server device, a media computing platform (for example and without limitation, a cable or satellite set-top box, digital video recorder, etc.), a handheld computing device (for example and without limitation, a PDA (Personal Digital Assistant), email client, etc.), a wearable terminal (for example and without limitation, a glasses-type device, a watch-type device, etc.), other types of computers, or communication platforms, or any combination of these may be used.

[0019] <Hardware configuration of each information processing device> (1) Server hardware configuration The hardware configuration of a server 110 included in the information processing system 1 will be described with reference to FIG.

[0020] The server 110 includes a processor 111, a memory 112, a storage 113, an input / output interface (input / output I / F) 114, an input device 115, an output device 116, and a transmission / reception unit 117. The hardware components of the server 110 are connected to each other via a bus B, for example and not for limitation.

[0021] The server 110 realizes the processes, functions, or methods described in this disclosure through cooperation between the processor 111, memory 112, storage 113, input / output I / F 114, and transmission / reception unit 117.

[0022] The processor 111 executes a process, function, or method realized by a code or instruction included in a program stored in the storage 113. The processor 111 includes, but is not limited to, one or more central processing units (CPUs), MPUs (Micro Processing Units), GPUs (Graphics Processing Units), microprocessors, processor cores, multiprocessors, ASICs (Application-Specific Integrated Circuits), FPGAs (Field Programmable Gate Arrays), etc., and may realize the processes, functions, or methods disclosed in each embodiment by a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)), etc. Furthermore, these circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. Furthermore, an LSI may be called a VLSI, a super LSI, an ultra LSI, etc., depending on the degree of integration.

[0023] The memory 112 temporarily stores the program 1121 loaded from the storage 113, and provides a working area for the processor 111. The memory 112 also temporarily stores various data generated while the processor 111 is executing the program. The memory 112 may be, for example and without limitation, a random access memory (RAM), a read only memory (ROM), etc., or a combination of these. The storage 113 stores the program and various data. The storage 113 may be, for example and without limitation, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, etc., or a combination of these.

[0024] The input / output I / F 114 is connected to an input device 115 for inputting various operations to the server 110 , and an output device 116 for outputting the results of processing by the server 110 .

[0025] The input device 115 is realized by any one of all types of devices or a combination thereof that can receive input from a user and transmit information related to the input to the processor 111 via the input / output I / F 114. The input device may be, but is not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (operation input via an image), a microphone (operation input via voice), or a combination of these.

[0026] The output device 116 is realized by any one of all types of devices capable of outputting the processing result processed by the processor 111 via the input / output I / F 114, or a combination thereof. When the processing result is output as a video or a moving image, the output device 116 is realized by any one of all types of devices capable of displaying the display data written in the frame buffer, or a combination thereof. The output device 116 may be, for example and without limitation, a touch panel, a touch display, a monitor (for example and without limitation, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HMD: Head Mounted Display), a projection mapping, a hologram, a device capable of displaying images, text information, etc. in the air (which may be a vacuum), a speaker (audio output), a printer, etc., or a combination of these. Note that these output devices may be capable of displaying display data in 3D.

[0027] The input device 115 and the output device 116 may be integrated together, or the input device 115 and the output device 116 may be separate devices.

[0028] The transmitting / receiving unit 117 transmits and receives various data via the network 130. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as the mutual communication can be performed. The transmitting / receiving unit 117 has a function of performing communication with other information processing devices via the network 130. The transmitting / receiving unit 117 transmits various data to other information processing devices according to instructions from the processor 111. The transmitting / receiving unit 117 also receives various data transmitted from other information processing devices and transmits it to the processor 111. Note that the server 150 has the same devices as the server 110, and therefore a description thereof will be omitted.

[0029] (2) Hardware configuration of terminal 120 The hardware configuration of the terminal 120 included in the information processing system 1 will be described with reference to FIG.

[0030] The terminal 120 includes a processor 121, a memory 122, a storage 123, an input / output I / F 124, an input device 125, an output device 126, a transmitting / receiving unit 127, and a reading unit 128. The hardware components of the terminal 120 are connected to each other via a bus B, for example and not for limitation.

[0031] The terminal 120 realizes the processing, functions, or methods described in this disclosure through cooperation between the processor 121, memory 122, storage 123, input / output I / F 124, input device 125, output device 126, transmission / reception unit 127, and reading unit 128.

[0032] The processor 121 executes a process, function, or method realized by a code or instruction included in a program stored in the storage 123. The processor 121 includes, but is not limited to, a central processing unit (CPU), a micro processing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), and the like, and may realize the process, function, or method disclosed in each embodiment by a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (an integrated circuit (IC) chip, a large scale integration (LSI)), etc.). These circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. The LSI may also be called a VLSI, a super LSI, an ultra LSI, etc., depending on the degree of integration.

[0033] The memory 122 temporarily stores the program 1221 loaded from the storage 123, and provides a working area for the processor 121. The memory 122 also temporarily stores various data generated while the processor 121 is executing the program 1221. The memory 122 may be, for example and without limitation, a random access memory (RAM), a read only memory (ROM), or the like, or a combination of these.

[0034] The storage 123 stores programs and various data. The storage 123 may be, for example and without limitation, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, or a combination of these.

[0035] The input / output I / F 124 is connected to an input device 125 for inputting various operations to the terminal 120 , and to an output device 126 for outputting the results of processing performed by the terminal 120 .

[0036] The input device 125 is realized by any one or a combination of all kinds of devices that can receive input from a user and transmit information related to the input to the processor 121. The input device may be, but is not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (operation input via an image), a microphone (operation input by voice), or a combination of these.

[0037] The output device 126 is realized by any one of all types of devices capable of outputting the processing results processed by the processor 121, or a combination thereof. When the processing results are output as video or video images, the output device is realized by any one of all types of devices capable of displaying the display data written in the frame buffer, or a combination thereof. The output device may be, but is not limited to, a touch panel, a touch display, a monitor (for example, but not limited to, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HMD), a projection mapping, a hologram, a device capable of displaying images, text information, etc. in the air (which may be a vacuum), a speaker (audio output), a printer, etc., or a combination of these. Note that these output devices may be capable of displaying display data in 3D.

[0038] The input device 125 and the output device 126 may be integrated, or the input device 125 and the output device 126 may be separate.

[0039] The transmitting / receiving unit 127 transmits and receives various data via the network 130. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as the mutual communication can be performed. The transmitting / receiving unit 127 has a function of performing communication with other information processing devices via the network 130. The transmitting / receiving unit 127 transmits various data to other information processing devices according to instructions from the processor 121. The transmitting / receiving unit 127 also receives various data transmitted from other information processing devices and transmits it to the processor 121.

[0040] (3)Other Cloud computing, which is configured with one or more information processing devices, may implement at least a part of the processes, functions, or methods in the servers 110 and 150 or the terminal 120.

[0041] The other information processing device may realize at least a part of the processes, functions, or methods of the server 110, 150, or the terminal 120. In this case, a processor of the other information processing device may realize at least a part of the processes realized by the processor 111 or the processor 121.

[0042] A program for executing the processes of each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium can store the program in a "non-transitory tangible medium." The program may be, for example and without limitation, a software program or a computer program.

[0043] The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (such as, by way of example and not limitation, field programmable gate arrays (FPGAs), application specific ICs (ASICs), etc.), hard disk drives (HDDs), hybrid hard drives (HHDs), optical disks, optical disk drives (ODDs), magneto-optical disks, magneto-optical drives, floppy diskettes, floppy disk drives (FDDs), magnetic tapes, solid state drives (SSDs), RAM drives, secure digital cards or drives, any other suitable storage media, or combinations thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile.

[0044] Furthermore, the program of the present disclosure may be provided to the servers 110, 150, or the terminal 120 via any transmission medium (such as a communication network or broadcast waves) capable of transmitting the program.

[0045] Furthermore, each embodiment of the present disclosure may also be realized in the form of a data signal embedded in a carrier wave in which a program is embodied by electronic transmission.

[0046] In addition, the programs of the present disclosure may be implemented using, for example and without limitation, scripting languages ​​such as JavaScript (registered trademark), Python, C language, Go language, Swift (registered trademark), Kotlin (registered trademark), Java (registered trademark), etc.

[0047] <Other> Unless explicitly stated, the judgment configuration in the embodiments of the present disclosure is not required, and a specified process may be performed when the judgment condition is satisfied, or a specified process may be performed when the judgment condition is not satisfied.

[0048] The present disclosure encompasses all changes, substitutions, variations, modifications, or alterations that a person skilled in the art may make to the present disclosure. The appended claims also encompass all changes, substitutions, variations, modifications, or alterations that a person skilled in the art may make to the claims. Furthermore, the present disclosure encompasses any combination of one or more features of an embodiment or example in the present disclosure with one or more features of another embodiment or example in the present disclosure that a person skilled in the art may make.

[0049] In addition, references in the appended claims to an apparatus or system, or a component of an apparatus or system, that is adapted, arranged, capable, configured, enabled, operable, or capable of performing a particular process, function, or method encompass that apparatus, system, component, whether or not the apparatus, system, component, or a particular function thereof is activated, turned on, or unlocked, so long as the apparatus, system, or component is so adapted, arranged, capable, configured, enabled, enabled, or capable of performing.

[0050] In the present disclosure, unless otherwise specified, consent may be obtained from a user in advance or immediately before the implementation of any embodiment or example. In addition, the consent obtained may be comprehensive or may be obtained on a case-by-case basis.

[0051] <Embodiment> In one embodiment, for example, a deferred payment is processed within the maximum payment amount (credit limit) within a specified period, the maximum payment amount is deducted, and then a settlement process is performed within the specified period, thereby quickly restoring the maximum payment amount.

[0052] According to the embodiment, the speed of recovery of the settlement limit is improved, and an effect is obtained in that it is possible to recover the settlement limit at a timing desired by the user.

[0053] <Configuration of the embodiment> The configuration of the server 110 and the terminal 120 will be described with reference to FIG. (1) Server configuration The server 110 includes a processor 111 , a memory 112 , a storage 113 , an input / output I / F 114 , an input device 115 , an output device 116 , and a transmission / reception unit 117 .

[0054] The processes, functions, or methods that can be executed by the processor 111 may be realized by machine learning, AI (Artificial Intelligence), or the like, to the extent feasible.

[0055] The input / output I / F 114 receives various setting operations and the like from businesses operating various services provided by the server 110 via an input device 115 or an output device 116 .

[0056] The transmitting / receiving unit 117 transmits and receives data to and from the terminal 120, etc., in accordance with instructions from the processor 111. When the user of the terminal 120, etc., is authenticated by a user ID and password included in a login request from the terminal 120, etc., the transmitting / receiving unit 117 connects a communication session using HTTPS or the like with the terminal 120, etc. Then, the transmitting / receiving unit 117 stores the communication address, user ID, etc. of the terminal 120, etc., in association with the ID of the connected communication session. Then, the transmitting / receiving unit 117 transmits data to the terminal 120, etc., using the connected communication session.

[0057] In an embodiment, memory 112 stores programs 1121, user information 1122, account information 1123, payment information 1124, transaction information 1125, payment control module 1126, clearing processing module 1127, transaction control module 1128, and data structures, or a subset thereof. Note that information stored in memory 112 may be stored in another storage device (e.g., storage 113).

[0058] As described above, the program 1121 is a program loaded from the storage 113 and includes instructions related to the processing in the embodiment. The program 1121 may also include instructions for executing processing for providing an electronic commerce service and / or a payment service to a user.

[0059] The user information 1122 includes information on users who are registered with a payment service that performs electronic payments. The user information 1122 may be shared with businesses that provide electronic commerce platforms.

[0060] FIG. 2 shows an example of user information 1122 according to an embodiment. The user information manages information about each member user created by a payment service provider that operates and manages the payment service. "User ID" includes user identification information (user ID: Identifier) ​​that allows the server 110 to uniquely identify the user. "Email address" includes the email address registered by the user. "Name" includes the user's name. "Occupation" includes the occupation registered by the user. In addition to the above examples, the user information may also include annual income, address, date of birth, whether or not the user has an electricity operator's license, and if the user has a driver's license, the driver's license number.

[0061] FIG. 3 shows an example of account information 1123 according to an embodiment. The account information manages information on each user's account created by, for example, a payment service provider. The payment service provider may be, for example, a party that operates and manages an electronic commerce platform. The "user ID" includes user identification information that allows the server 110 to uniquely identify the user. The "password" includes a password for user authentication. The "balance" includes the balance of electronic money (or electronic value) in the account held by the user. Electronic money is, for example, a monetary value that is digitized from cash and can be used for payment.

[0062] In the example shown in FIG. 3, the "balance" includes the charge amount, sales amount (sales proceeds), points 1, points 2, etc. These types are merely examples and are not limited to these. The charge amount indicates, for example, the amount deposited by a user from his / her own bank account into an account created by a payment service provider. Sales amount indicates, for example, the profits earned by a user by listing and selling products on a linked e-commerce platform. Points 1 indicate, for example, points earned by a user by converting sales amount, and are points used in the linked e-commerce platform. Points 2 indicate, for example, points granted by another party such as a payment service provider, and are points used in the linked e-commerce platform.

[0063] The user can charge any amount to the account balance after entering their bank account information in the application provided by the payment service provider, associating their user ID with their bank account, and completing identity verification. Note that the charge amount can also be charged at convenience stores, etc., in addition to bank accounts. In the following, if identity verification based on the Act on Prevention of Transfer of Criminal Proceeds has been completed, it will be written as "after identity verification," and if identity verification has not been completed, it will be written as "before identity verification."

[0064] Points 1 are paid points converted from sales revenue in order for a user to conduct transactions on the e-commerce platform before a bank connection is established, and an expiration date may be set for points 1. The expiration date may be, for example, six months. After a bank connection is established, points 1 can be withdrawn from sales revenue, so there is no need to convert them to new points 1 and hold them. Therefore, points 1 held before a bank connection are gradually reduced with use. A bank connection is a state in which a user's account is associated with a bank account held by the user.

[0065] Point 2 is a free point that is distributed or given as a benefit by a payment service provider or the like, and an expiration date may be set for Point 2. The expiration date for Point 2 may be set to be shorter than the expiration date for Point 1.

[0066] The "available amount limit" includes the limit on the amount that can be used for deferred payment within a specified period. For example, the "available amount limit" may be set by the user, a default amount may be set, or it may be set by AI (Artificial Intelligence) according to the user's creditworthiness, etc. The creditworthiness may be set based on the user's attribute information or the user's behavioral information in a specified service. For example, the higher the annual income as the user's attribute information, the higher the creditworthiness may be, and the higher the frequency of use of a specified service as the user's behavioral information, the higher the creditworthiness may be.

[0067] The "current available credit limit" includes the available credit limit minus the total amount of deferred payment within a specified period. In other words, the "current available credit limit" indicates the total amount currently available for deferred payment. The "current available credit limit" is updated by subtracting the amount each time a deferred payment is made.

[0068] FIG. 4 shows an example of the payment information 1124 according to the embodiment. The payment information may be any information related to a payment. For example, the payment information is information generated by a payment terminal when a user purchases a product, and transmitted to the server 110. The "payment ID" includes identification information (payment ID) for identifying the payment. The "date and time" includes the date and time when the electronic payment is completed. The electronic payment may include, for example, a payment using a two-dimensional code or a credit card payment. The "store ID" includes store information (also referred to as a store ID) of the store where the electronic payment is made. Note that the store ID may be the ID of the POS terminal if the store has multiple POS terminals. The "payment amount" includes the payment amount when the electronic payment is made. The "payment method" includes information on the payment method used for the payment. The payment method is, for example, one of a lump-sum payment, a deferred payment in which a lump sum is paid in the following month or later, a fixed amount deferred payment in which a fixed amount is settled in the following month or later, a convenience store payment, a credit card payment, a balance payment, a bonus payment, and the like. In addition, multiple payment methods may be selected for one payment. "Status" includes information indicating "Completed" if the payment (clearance) has been completed, and information indicating "Not yet" if the payment has not been completed. The payment information may also include debit information, remittance information, production information, and the like. In this embodiment, the term "deferred payment" collectively refers to payment of the payment amount at a later date, such as deferred payment and fixed-amount deferred payment.

[0069] If the server 110 cooperates with an e-commerce service provided by an e-commerce platform, the transaction information 1125 includes transaction information related to the purchase and sale of goods on the e-commerce platform.

[0070] FIG. 5 shows an example of transaction information 1125 according to an embodiment. The "seller ID" includes the user ID of the seller user. The "product name" includes the name of the product. The "description" includes the description of the product. The "price" includes the selling price of the product. The "product name", "description", and "price" are included in the product listing information, and other information may be included in the listing information. The "listing time" includes the time when the product was listed. The "status" includes the status of the transaction in electronic commerce. The status may include "in transaction" indicating that a transaction is currently in progress, "in negotiation" indicating that negotiation is in progress with the user who is the buyer, and "completed" indicating that the product has been sold. The "purchaser ID" includes the user ID of the user who purchased the product. The "payment method" includes the payment method used by the purchaser to purchase the product.

[0071] Returning to Fig. 1, the payment control module 1126 stored in the memory 112 is executed by the processor 111 to execute payment processing when each user purchases a product at each affiliated store, payment processing when each user purchases a product on the e-commerce platform, etc. For example, payment processing at a store is managed by the payment information shown in Fig. 4, and payment processing on the e-commerce platform is managed by the transaction information shown in Fig. 5.

[0072] In addition, the settlement processing module 1127 stored in the memory 112 executes a process of settling all or part of the payment amount that needs to be settled at a later date by deferred payment in response to a request from a user. For example, the settlement processing module 1127 executes a process of setting the payment amount, a settlement process, a process of restoring the available credit limit, a process of granting a privilege, and the like.

[0073] Furthermore, when an electronic commerce platform is provided by a payment service provider, the transaction control module 1128 stored in the memory 112 is executed by the processor 1111 to control buying and selling transactions on the electronic commerce platform. For example, the transaction control module 1128 controls user registration, listing processing, buying and selling transaction processing, evaluation processing, management processing of electronic value, and the like on the electronic commerce platform. The transaction control module 1128 may be provided on a server of another service provider (e.g., server 150).

[0074] The following describes the process of deferred payment designated when purchasing a product at a store or an e-commerce platform, and the settlement of the deferred payment.

[0075] The payment control module 1126 processes one or more deferred payments in a transaction within a predetermined period in which the upper limit of the amount that can be paid for the deferred payment is set. For example, the payment control module 1126 sets the upper limit of the amount that can be paid for the deferred payment for each user. The upper limit of the amount that can be paid for each user is set automatically based on the creditworthiness of the user or manually by the user.

[0076] When a user selects deferred payment at the time of a purchase and sale transaction of a product at an affiliated store or through electronic commerce, the payment control module 1126 executes the processing of the deferred payment. For example, the payment control module 1126 identifies the user from the user ID transmitted together with the deferred payment request, and determines whether the payment amount is less than the upper limit of payment for the identified user. If the upper limit of payment is greater than or equal to the payment amount, the payment control module 1126 permits and processes the deferred payment, and if the upper limit of payment is less than the payment amount, it rejects the deferred payment. Note that for the second or subsequent deferred payment within a specified period in which a specified upper limit of payment is set, the above-mentioned upper limit of payment becomes the current upper limit of payment.

[0077] Furthermore, the payment control module 1126 subtracts each amount for one or more deferred payments from the maximum payment amount to calculate the current maximum payment amount. The payment control module 1126 may clear the current maximum payment amount every time a predetermined period of time elapses and set a previously set maximum payment amount, or may set a new maximum payment amount set by machine learning or the like.

[0078] The settlement processing module 1127 settles a predetermined amount for one or more deferred payment transactions within a predetermined period. For example, the predetermined amount may be paid from a balance or points, may be paid by charging from a bank account, etc., or may be paid in cash from a bank account, a convenience store, etc. If there is a balance remaining in the payment amount for the deferred payment transaction after the predetermined period has elapsed, the settlement processing module 1127 may execute a process of automatically paying the remaining amount from a bank account, balance, etc.

[0079] Following settlement, the settlement processing module 1127 adds an amount based on a predetermined amount (settlement amount) to the upper limit of settlement amount after subtraction (current upper limit of settlement amount). When the settlement processing is completed, the settlement processing module 1127 adds an amount based on the predetermined amount to the current upper limit of settlement amount. The amount based on the predetermined amount may be determined by a preset method, and may be, for example, the same amount as the predetermined amount or an amount multiplied by a coefficient.

[0080] By the above process, when one or more deferred payment transactions are made within a specified period, the settlement process is performed within the specified period, so that the current upper limit of payment can be quickly restored to the amount based on the settlement amount. In general, even if pre-settling is performed for a deferred payment transaction, the upper limit of payment is often not restored until, for example, the following month, so that transactions of more than the upper limit of payment cannot be made within the specified period. However, in the case of this embodiment, the pre-settling process is performed within the specified period, so that the current upper limit of payment can be immediately restored, making it possible to make transactions of an amount that exceeds the upper limit of payment for the specified period.

[0081] The settlement processing module 1127 may also perform settlement processing of a predetermined amount by acquiring a settlement request in response to an arbitrary user operation. For example, when the settlement processing module 1127 receives a settlement request together with a predetermined amount (settlement amount) from the user terminal 120 within a predetermined period, the settlement processing module 1127 may perform settlement processing to subtract the predetermined amount (settlement amount) from the total payment amount obtained by adding up each amount of one or more deferred payment settlements.

[0082] Through the above process, when a settlement request is received from a user, the system can automatically execute a series of processes from settlement processing to recovery processing of the settlement upper limit amount.

[0083] The predetermined amount to be settled may be equal to or less than the total amount of each amount for one or more deferred payment settlements. For example, the settlement processing module 1127 enables the setting of an amount equal to or less than the settlement amount for any one deferred payment settlement or the total amount of the settlement amounts for multiple deferred payment settlements, for the predetermined amount (settlement amount) requested from the terminal 120.

[0084] The above process allows flexibility in the amount to be set in advance, allowing the user to freely set the amount to be set each time.

[0085] The predetermined amount may be the amount of one payment selected by the user from the history of one or more deferred payment transactions. For example, the settlement processing module 1127 displays a list of payment histories on the user's terminal 120, allowing the user to select a deferred payment transaction. Next, when one or more deferred payment transactions are selected, the settlement processing module 1127 may settle the payment amount of the selected deferred payment. The payment history list may be a list of only deferred payment transactions.

[0086] For example, let us assume a list of payment history for purchased items. When settling for each item, for example, the user selects the items they wish to settle immediately from the payment tab or "Monthly usage status" on their personal page. The user may then proceed with the process of "Pay in advance" or "Pay now" to make the payment. When settling all items together, the user selects "Pay all at once" from "Monthly usage status" and selects one or more items they wish to settle immediately. The user may then proceed with the process of "Pay for the selected items" or "Pay now" to make the payment.

[0087] Through the above process, for pre-payment, the user can specify which deferred payment the payment is to be settled for while looking at the payment history list, thereby improving user convenience.

[0088] The transaction processing module 1127 may include providing a reward based on a predetermined amount to the user who has made the transaction following the transaction. For example, the transaction processing module 1127 may also function as a reward providing module, and provide a reward to the user who has made the transaction immediately upon completion of the transaction. The reward may include, for example, points, discount tickets for a predetermined product, or exchange coupons.

[0089] The above process makes it possible to encourage the user to perform the settlement process in advance. The bonus may not be given immediately, but may be given after a predetermined period of time has passed from the time of settlement. When the bonus is given after the predetermined period of time has passed, the bonus may be added (for example, a 5% increase in points). The bonus may be different between the first settlement of a sales transaction by an affiliated e-commerce platform and the second settlement of a product purchase transaction by an affiliated store. For example, the bonus for the first settlement may be greater than the bonus for the second settlement.

[0090] Furthermore, the amount based on the predetermined amount may be calculated by multiplying the predetermined amount by a coefficient. As described above, the settlement processing module 1127 may set the amount to be recovered (recovery amount) by multiplying the predetermined amount (settlement amount) by a predetermined coefficient. The predetermined coefficient may be a value set in advance or a value set at a predetermined timing. The predetermined timing may be at the time of settlement, etc., and the settlement processing module 1127 may set the coefficient smaller as the number of settlements increases.

[0091] The above process makes it possible to adjust the recovery amount by the coefficient. For example, by making the coefficient smaller than 1, it becomes possible to prevent overspending caused by repeated settlement and recovery. On the other hand, the coefficient may be made larger than 1. In this case, the coefficient may be made larger than 1 if the result of the inquiry from the credit bureau indicates that there is no problem with raising the upper limit.

[0092] The coefficient may be set according to the creditworthiness of the user who has made the settlement. When performing recovery processing of the settlement upper limit amount, the settlement processing module 1127 may acquire the creditworthiness of the user and set the coefficient according to the creditworthiness. For example, if the creditworthiness is high, the coefficient may be set to a first value (e.g., 0.9, etc.), and if the creditworthiness is low, the coefficient may be set to a second value (e.g., 0.4, etc.). The first value is greater than the second value.

[0093] By the above process, the recovery amount is set according to the user's creditworthiness, making it possible to set the recovery amount in accordance with the user's ability to pay.

[0094] The payment control module 1126 may also include setting a settlement upper limit based on the number of settlements within a predetermined period for one or more deferred payment settlements and / or the total amount of advance settlements. For example, by repeating deferred payment settlements and settlements within a predetermined period, the system can determine that the user has the ability to pay. The payment control module 1126 may obtain the settlement upper limit by inputting the number of settlements and the settlement amount for each predetermined period into a learning model that has learned the relationship between the learning data and the settlement upper limit, for learning data including the number of advance settlements and the total amount of advance settlements within a predetermined period.

[0095] Through the above process, the user can improve his / her credit rating by making a payment in advance, and can also increase the upper limit of the payment amount. Increasing the upper limit of the payment amount may be conditional on there being no problem in the results of an inquiry to the credit information agency, as described above. When the upper limit of the payment amount is increased, the user may be notified of the updated upper limit of the payment amount.

[0096] As described above, according to this embodiment, for example, if the maximum payment amount (credit limit) for a month is 100,000 yen, even if two deferred payments of 50,000 yen are made, if the 50,000 yen is immediately settled, the limit of 50,000 yen will be restored. Therefore, when looking at the maximum available amount for that month, it is effectively 150,000 yen, and the maximum available payment amount of the user can be increased without changing the credit limit. In addition, the recovery process may be made available unlimitedly as long as payments can be made. In addition, in this embodiment, a maximum limit may be set on the total amount used within a specified period from the viewpoint of overuse. Furthermore, since the amount used in a specified period (for example, one month) increases, there is a possibility that the credit rank will increase.

[0097] The settlement processing module 1127 also manages cash-in for the user's account, and for example, determines that a user who receives a salary once a week can settle in advance four times a month. In this case, the settlement processing module 1127 may suggest pre-settlement to the user according to the cash-in cycle. For example, the settlement processing module 1127 may perform the suggestion process using push notification or a message function within the application.

[0098] The one or more processors 111 described above read and execute each module as necessary from the memory 112. For example, the one or more processors 111 may configure a settlement control unit, a clearing processing unit (including a reward granting unit), and a transaction control unit by executing the settlement control module 1126, the settlement processing module 1127 (including a reward granting module), and the transaction control module 1128, respectively.

[0099] (2) Configuration of terminal 120 The terminal 120 includes a processor 121 , a memory 122 , a storage 123 , an input / output I / F 124 , an input device 125 , an output device 126 , a transmitting / receiving unit 127 , and a reading unit 128 .

[0100] The processes, functions, or methods executed by the processor 121 may be realized by machine learning, AI (Artificial Intelligence), or the like, to the extent feasible.

[0101] The input device 125 accepts various operations from the user of the terminal 120 .

[0102] The transmitting / receiving unit 127 transmits and receives data to and from the server 110, etc., in accordance with instructions from the processor 121. For example, when logging in to the server 110, the transmitting / receiving unit 127 connects a communication session with the server 110 using HTTPS or the like. Then, the transmitting / receiving unit 127 stores the communication address of the server 110, etc., in association with the ID of the connected communication session. Then, the transmitting / receiving unit 127 transmits data to the server 110 using the connected communication session.

[0103] The processor 121 performs processing to utilize a given service provided by the server 110 .

[0104] In one embodiment, the memory 122 stores the following programs 1221, a payment processing module 1222, a transaction processing module 1223, a display control module 1224, and data structures, or a subset thereof. Note that information stored in the memory 122 may be stored in another storage device (e.g., storage 123).

[0105] As described above, the program 1221 is a program loaded from the storage 123, and includes instructions and the like related to each embodiment.

[0106] The payment processing module 1222 executes processes related to electronic payments. For example, the payment processing module 1222 executes store-scan type payments in which user information is coded and the code is read by a terminal in a store, or user-scan type payments in which a code including store information is read.

[0107] The transaction processing module 1223 executes a process for buying and selling products on the electronic commerce platform. For example, the transaction processing module 1223 executes a process for listing products and purchasing products on the electronic commerce platform. The transaction processing module 1223 is not necessarily a required module.

[0108] The display control module 1224 controls so that screen data relating to an electronic payment service or an electronic commerce platform is displayed on the output device 126. For example, the display control module 1224 controls so that a screen for listing a product is displayed, or a screen for purchasing a product is displayed. The display control module 1224 may also control so that a two-dimensional code containing user information is displayed on the screen when making a payment at a store.

[0109] Furthermore, the display control module 1224 controls to output payment history information including one or more pieces of payment information of a predetermined user to the screen of the output device 126. For example, when the display control module 1224 receives a proposal to display the payment history information from the server 110 based on an analysis of the cash-in cycle or the like, the display control module 1224 proposes to the user to display the payment history information on a pop-up screen or the like. Furthermore, when the display control module 1224 accepts a display operation of the payment history information from the user, it outputs the payment history information to the screen of the output device 126.

[0110] The payment processing module 1222 selects at least one payment information from the payment history information (payment history list) displayed on the screen based on a predetermined user's operation. For example, the payment processing module 1222 accepts a user operation on the input device 125, and selects the payment information on which the operation was performed from the payment history information.

[0111] The payment processing module 1222 requests another information processing device (e.g., the server 110) to provide an amount equal to or less than the total payment amount included in at least one payment information selected by the user. For example, the payment processing module 1222 transmits the user's identification information, identification information indicating the at least one selected payment information, and a settlement request to the server 110 via the transmission / reception unit 127.

[0112] The settlement processing module 1222 acquires the processing result related to the settlement from the other information processing device (server 110) that performed the settlement processing via the transmission / reception unit 127. The display control module 1224 controls so that the acquired processing result is displayed on the screen of the output device 126.

[0113] By the above process, the user can easily receive the settlement process by, for example, selecting the settlement information from the settlement history information (list of settlement history). The user may also set the settlement amount by inputting the settlement amount in advance.

[0114] The one or more processors 121 described above read and execute each module as necessary from the memory 122. For example, the one or more processors 121 may configure a payment processing unit, a transaction processing unit, and a display control unit by executing the payment processing module 1222, the transaction processing module 1223, and the display control module 1224, respectively.

[0115] <Operation process of the embodiment> The process of the information processing system 1 according to the embodiment will be described with reference to Fig. 6. Fig. 6 shows an example of a sequence of the process of the information processing system 1 according to the embodiment. The process shown in Fig. 6 is, for example, a process when a user makes a deferred payment for a given transaction.

[0116] (Step S102) The payment processing module 1222 of the user's terminal 120 requests the server 110 to make a deferred payment for a given transaction, based on instructions from the user or pre-settings.

[0117] (Step S104) The payment control module 1126 of the server 110 executes the deferred payment process in response to a request from the terminal 120. For example, it determines whether the payment amount is equal to or less than the current upper limit of payment possible, and performs the payment process if the condition is met. The example shown in Fig. 6 shows the process when the condition is met. If the condition is not met, the server 110 rejects the deferred payment and asks the terminal 120 whether to make an immediate payment or cancel the transaction.

[0118] (Step S106) The payment control module 1126 of the server 110 subtracts the payment amount from the current upper limit of the payment amount (also called the available credit limit) to update the current upper limit of the payment amount.

[0119] (Step S108) The payment control module 1126 of the server 110 notifies the terminal 120 that the deferred payment has been completed via the transmission / reception unit 127. At this time, the updated current upper limit of payment available may also be notified to the terminal 120. The processing of steps S102 to S108 may be performed any number of times within a predetermined period.

[0120] (Step S110) The payment processing module 1222 of the user terminal 120 requests the server 110 to display payment history information (a list of payment history).

[0121] (Step S112) The settlement processing module 1127 of the server 110 obtains the settlement history information from the memory 112 .

[0122] (Step S114) The settlement processing module 1127 of the server 110 transmits the payment history information to the terminal 120 via the transmission / reception unit 117.

[0123] (Step S116) The display control module 1224 of the user terminal 120 controls the display of the acquired payment history information on the screen of the output device 126 .

[0124] (Step S118) The payment processing module 1222 of the user terminal 120 accepts the selection of a payment to be pre-cleared from the displayed payment history information.

[0125] (Step S120) The payment processing module 1222 of the user terminal 120 transmits the user's identification information, the identification information of the selected payment information, and a request for settlement processing to the server 110 via the transceiver unit 127.

[0126] (Step S122) When the clearing process module 1127 of the server 110 receives a request for clearing process, it executes the clearing process.

[0127] (Step S124) When the settlement process is completed, the settlement process module 1127 of the server 110 performs a recovery process of the settlement upper limit amount (available credit limit) following the settlement process.

[0128] (Step S126) When the settlement processing module 1127 of the server 110 completes the settlement processing and recovery processing, it notifies the processing result via the transmission / reception unit 117. The processing result may include the current settlement upper limit amount that has been recovered.

[0129] In the example shown in Figure 6, a settlement request is made by selecting the deferred payment to be settled from the payment history list. However, it is also possible for a user to request settlement by selecting payment from a home screen, etc., and setting the settlement amount.

[0130] <Screen example> Next, an example of a screen displayed on the user's terminal 120 will be described with reference to Fig. 7. Fig. 7 is a diagram showing an example of the current upper limit of payment available for deferred payment displayed on the screen of the terminal 120 according to the embodiment. In the example shown in Fig. 7, the current upper limit of payment available for a certain user (in Fig. 7, "A Pay deferred payment balance") is displayed on screen D10 based on a request to display the current upper limit of payment available.

[0131] For example, screen D10 displays that the maximum payment amount is 100,000 yen and the current maximum payment amount is 90,000 yen. Also, a button (UI component) B10 for displaying the deferred payment history is displayed in screen D10. The user may select the deferred payment that he / she wishes to settle in advance from the deferred payment history list that is displayed by pressing button B10.

[0132] FIG. 8 is a diagram showing an example of screen transitions related to settlement displayed on the screen of the terminal 120 according to the embodiment. Screen D20 shown in FIG. 8 is an example of a screen for making a pre-settlement for a deferred payment for June. It is assumed that the screen D20 shown in FIG. 8 allows the user to select a "payment method" and displays the default "balance payment." It is assumed that the user taps on the "payment method" area B20. In this case, screen D20 transitions to screen D22.

[0133] Screen D22 shows a screen for selecting a payment method. For example, payment by account transfer, payment from the balance, and payment at a convenience store / ATM can be selected as the payment method. Here, it is assumed that the user taps on the balance payment area B22. In this case, screen D22 transitions to screen D24.

[0134] Screen D24 is an example of a screen for pre-clearing 10,000 yen. In this case, 10,000 yen is pre-cleared from the balance, but it is also possible to pay using points. For example, the user taps the amount or points area to enable the user to set the amount for each amount or points. If the user then taps the pay button B24, 10,000 yen is pre-cleared, and 10,000 yen is added to the current settlement upper limit amount, and recovery processing is performed.

[0135] Fig. 9 is a diagram showing an example of the current upper limit of payment possible amount after recovery, displayed on the screen of the terminal 120 according to the embodiment. In the example shown in Fig. 9, it can be seen that, after the settlement and recovery process shown in Fig. 8, an amount of 10,000 yen has been recovered from the current upper limit of payment possible amount shown in Fig. 7, and the upper limit of payment possible amount is now 100,000 yen. In this way, when pre-settlement is performed, the upper limit of payment possible amount is instantly restored.

[0136] The disclosed technology is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the spirit of the disclosed technology. For example, the above-described processing steps can be arbitrarily changed in order or executed in parallel as long as no contradiction occurs in the processing content.

[0137] For example, in the above embodiment, electronic money such as prepaid or postpaid is taken as an example, but it can also be applied to credit cards that express cash as digitalized values. In the case of credit cards, the payment is made in a lump sum on a specified date, but even if the transaction has been settled, recovery processing can be made possible by selecting at least one payment information from a payment statement or the like and performing the above-mentioned settlement processing. [Explanation of symbols]

[0138] 1...information processing system, 110...server, 111...processor, 112...memory, 113...storage, 114...input / output I / F, 115...input device, 116...output device, 117...transmitter / receiver, 120...terminal, 121...processor, 122...memory, 123...storage, 124...input / output I / F, 125...input device, 126...output device, 127...transmitter / receiver, 1126...settlement control module, 1127...clearance processing module, 1128...transaction control module, 1222...settlement processing module, 1223...transaction processing module, 1224...display control module

Claims

1. An information processing device, Processing one or more deferred payment transactions in a transaction within a predetermined period in which a maximum payment amount for the deferred payment transaction is set; Subtracting each amount of the one or more deferred payment payments from the payment upper limit amount; Settlement of a predetermined amount for the one or more deferred payment settlements within the predetermined period; Following the settlement, adding an amount based on the predetermined amount to the settlement upper limit amount after the subtraction; An information processing method for performing the above.

2. The information processing method according to claim 1 , wherein performing the settlement includes performing a settlement process for the predetermined amount by acquiring a settlement request in response to a user operation.

3. The information processing method according to claim 1 , wherein the predetermined amount is equal to or less than a total amount of each of the one or more deferred payment amounts.

4. The information processing method according to claim 1 , wherein the predetermined amount is an amount of one payment selected by the user from the history of the one or more deferred payment transactions.

5. The information processing device, The information processing method according to claim 1 , further comprising the step of: providing the user who has made the settlement with a benefit based on the predetermined amount following the settlement.

6. The information processing method according to claim 1 , wherein the amount based on the predetermined amount is calculated by multiplying the predetermined amount by a coefficient.

7. The information processing method according to claim 6 , wherein the coefficient is set according to the creditworthiness of the user who has made the settlement.

8. The information processing device, The method of claim 1 , further comprising setting the maximum settlement amount based on the number of settlements and / or the total amount of the one or more deferred payment settlements within the specified period.

9. An information processing device including one or more processors, the one or more processors: Processing one or more deferred payment transactions in a transaction within a predetermined period in which a maximum payment amount for the deferred payment transaction is set; Subtracting each amount of the one or more deferred payment payments from the payment upper limit amount; Settlement of a predetermined amount for the one or more deferred payment settlements within the predetermined period; The information processing device executes, following the settlement, adding an amount based on the predetermined amount to the settlement upper limit amount after subtraction.

10. In the information processing device, Processing one or more deferred payment transactions in a transaction within a predetermined period in which a maximum payment amount for the deferred payment transaction is set; Subtracting each amount of the one or more deferred payment payments from the payment upper limit amount; Settlement of a predetermined amount for the one or more deferred payment settlements within the predetermined period; A program that executes, following the settlement, adding an amount based on the predetermined amount to the settlement upper limit amount after subtraction.

Images