Information processing system, information processing method and program

Abstract

To provide an information processing system, information processing method and program capable of improving convenience of fundraising services for providing funds on the basis of utilization situations of settlement services.SOLUTION: An information processing system includes: a storage unit for storing a plurality of pieces of store identification information for one piece of user identification information of a user and store repayment capability information of stores stored in association with the store identification information; and a determination unit for determining an amount of funds that can be provided to the user on the basis of the store repayment capability information of the plurality of stores associated with the user identification information.SELECTED DRAWING: Figure 2

Description

Technical Field

[0001] The present invention relates to an information processing system, an information processing method, and a program.

Background Art

[0002] Regarding the technology for determining the usage limit amount of a payment service, a technology for determining an appropriate credit amount is known (see, for example, Patent Document 1). According to this technology, in an information processing apparatus, a usage amount probability distribution that associates the usage amount in a predetermined period with the probability that the usage amount is used in the predetermined period is held, and the usage limit amount that determines the limit amount of the usage amount in the predetermined period is used. The usage limit amount is determined based on the expected profit, which is the profit expected when the usage limit amount is applied to the usage amount probability distribution.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, the procedures when a user requests the provision of funds are complicated, the convenience is not sufficient, and the limit amount is set based on the usage probability distribution. Therefore, when sudden expenses occur, there may be a shortage of funds. In addition, since this usage probability distribution is only linked to the usage history of one type of credit card, there is a problem that an appropriate usage limit amount is not set for users who use multiple credit cards properly or users who make payments through multiple channels (such as credit cards and electronic payments).

[0005] Therefore, an object of the present invention is to provide an information processing system, an information processing method, and a program that can improve the convenience of a financing service (or "fund provision service" from the perspective of the service provider) for raising funds based on the usage status of settlement services.

Means for Solving the Problems

[0006] (1) One aspect of the present invention is an information processing system that executes a financing service, comprising: a storage unit that stores a plurality of store identification information for one user identification information and a store financing upper limit amount, which is the upper limit amount of funds that each store associated with the store identification information can raise by the provider of the financing service; and a determination unit that determines a user financing upper limit amount, which is the upper limit amount that can be raised for each user, based on the total amount of the store financing upper limit amounts of a plurality of stores associated with the user identification information of the user. When the user financing upper limit amount exceeds a user-defined upper limit amount set in advance, the determination unit determines the user financing upper limit amount as the user-defined upper limit amount. (2) One aspect of the present invention is the information processing system according to (1) above, wherein a certain store-defined upper limit amount is set for the store financing upper limit amount. (3) One aspect of the present invention is the information processing system according to (1) above, wherein the user-defined upper limit amount and the store-defined upper limit amount are the same. (4) One aspect of the present invention is the information processing system according to (1) above, further comprising a reception unit that receives a fund deposit request from a user. (5) One aspect of the present invention is the information processing system according to (1) above, wherein the provider of the financing service provides a cashless settlement service including a credit settlement service or an electronic payment service, and the provider of the financing service recovers the provided funds by deducting an amount corresponding to the deduction rate specified by the user from the usage amount of the cashless settlement service paid to the user. (6) One aspect of the present invention is an information processing system in the information processing system described in (5) above, wherein the deduction rate can be specified by the user from one or more options presented by the provider of the financing service. (7) One aspect of the present invention is an information processing system in the information processing system described in (1) above, wherein the maximum store financing amount is determined based on the amount paid via the settlement service designated by the financing service provider when the store receives payment from the customers of the store. (8) One aspect of the present invention is an information processing system in the information processing system described in (1) above, wherein the user can apply by combining financing for a plurality of stores within the range of the user's maximum financing amount, and the information processing system, at the time of applying for financing, further includes a derivation unit that derives a combination of the store financing application amounts for each store associated with the user identification information of the user to maximize the user financing application amount, which is the user's financing application amount. (9) One aspect of the present invention is an information processing system in the information processing system described in (8) above, wherein when the user determines the store financing application amount for any store, the derivation unit updates the user available financing amount, which is the balance obtained by subtracting the store financing application amount from the user's maximum financing amount, and derives a combination of stores for which financing is possible and the store financing application amounts that can be applied for each such store within the range of the updated user available financing amount.

[0007] (10) One aspect of the present invention is an information processing method executed by an information processing system that performs a financing service, the method including: obtaining store financing upper limit amounts of a plurality of stores associated with one user identification information from the plurality of store identification information and the store financing upper limit amounts, which are the upper limit amounts of funds that can be financed by each of the stores associated with the store identification information, for the user identification information; determining a user financing upper limit amount, which is the upper limit amount that can be financed for each user, based on the total amount of the store financing upper limit amounts of the plurality of stores associated with the user identification information of the user; and when the user financing upper limit amount exceeds a user specified upper limit amount that is set to a certain amount in advance, determining the user financing upper limit amount to be the user specified upper limit amount.

[0008] (11) One aspect of the present invention is a program for causing a computer of an information processing system that performs a financing service to execute: obtaining store financing upper limit amounts of a plurality of stores associated with one user identification information from the plurality of store identification information and the store financing upper limit amounts, which are the upper limit amounts of funds that can be financed by each of the stores associated with the store identification information, for the user identification information; determining a user financing upper limit amount, which is the upper limit amount that can be financed for each user, based on the total amount of the store financing upper limit amounts of the plurality of stores associated with the user identification information of the user; and when the user financing upper limit amount exceeds a user specified upper limit amount that is set to a certain amount in advance, determining the user financing upper limit amount to be the user specified upper limit amount to be executed.

Effect of the Invention

[0009] According to the present invention, there is an effect that the convenience of a financing service (referred to as a "financing service" from the perspective of the service provider) that finances funds based on the usage status of a payment service can be improved.

Brief Description of the Drawings

[0010]

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Mode for Carrying Out the Invention

[0011] Next, the information processing system, information processing method, and program of the present embodiment will be described with reference to the drawings. The embodiments described below are merely examples, and the embodiments to which the present invention is applied are not limited to the following embodiments. In all the drawings for explaining the embodiments, those having the same function are denoted by the same reference numerals, and repeated explanations are omitted. In addition, “based on XX” as used in the present application means “based on at least XX”, and includes cases where it is based on another element in addition to XX. Also, “based on XX” is not limited to the case where XX is directly used, and includes cases where it is based on something obtained by performing operations or processing on XX. “XX” is an arbitrary element (for example, arbitrary information).

[0012] (Embodiment) Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a diagram showing a configuration example of a financing system 1 according to the present embodiment. The fund-raising system 1 executes a service (hereinafter referred to as the "fund-raising service") that raises (provides) funds based on the usage status of any payment service designated by the provider of the fund-raising service (hereinafter simply referred to as the "payment service" unless otherwise specified). The fund-raising system 1 includes a terminal device 10, store terminal devices 20-1 to 20-n (n is an integer greater than 0), a payment server 50, and an information processing system 100. The terminal device 10, store terminals 20-1 to 20-n, the payment server 50, and the information processing system 100 can communicate with each other via a communication network NW. The communication network NW includes the Internet, WAN (Wide Area Network), LAN (Local Area Network), public lines, provider devices, dedicated lines, wireless base stations, and the like.

[0013] The terminal device 10 is a terminal used by the user U. An example of the user U is a person who receives fund raising (provision) by using the fund-raising service. In this embodiment, the owners of a plurality of stores are assumed. Also, the user U does not necessarily have to be a natural person, and may be a corporation (business operator) having one or more stores or service bases, etc. (hereinafter referred to as "stores" when not otherwise specified). As the terminal device 10, for example, a stationary computer device may be used, or a portable computer device such as a smartphone or a tablet-type computer (tablet PC) may be used.

[0014] The store terminals 20-1 to 20-n are installed in different stores. The user U is in a position to manage the payment data of these multiple stores (for example, the owner). A payment service is introduced in each of the different stores. Here, the payment service refers to a method of processing payments through data transmission and reception without directly delivering cash. By way of example, it includes credit card payments, debit card payments, electronic money payments, QR (registered trademark) (Quick Response) code payments, and the like. Each of the store terminals 20-1 to 20-n is for using the payment service, and it is desirable that it be compatible with payment methods such as IC chips (contact type, non-contact type), code reading, etc.

[0015] Each of the store terminals 20-1 to 20-n is used by the store employees and the customers who visit the store. As the store terminals 20-1 to 20-n, for example, stationary computer devices may be included, or portable computer devices such as smartphones and tablet-type computers (tablet PCs) may be included. Hereinafter, any one of the storefront devices 20-1 to 20-n will be described as the store terminal 20.

[0016] The payment server 50 receives payment information when customers in each store use the payment service via the store terminals 20-1 to 20-n, and executes electronic payments based on the received information. Electronic payments may include methods such as direct debit and credit payments that enable purchases in amounts greater than the charge balance at the time of purchase. Also, the user U corresponding to the user ID may hold multiple payment services.

[0017] The payment server 50 stores at least the customer ID, which is the identification information of the customer who intends to pay the store using the payment service, the charge balance information or the remaining limit amount information available to the customer for the payment service, the store ID of the store where the payment service can be used, the usage history information of the payment service in the store, and the financial institution account information of the store.

[0018] When any customer makes a payment for the price by using the settlement service via the store terminal 20-n at the store, the store terminal 20-n transmits at least the customer ID of the said customer, the store ID, and the settlement amount information to the settlement server 50. When receiving these information, the settlement server 50 refers to the remaining charge balance information or the remaining balance of the usage limit corresponding to the customer ID of the said customer, and when it determines that the settlement is possible, it subtracts the settlement amount from the remaining charge balance or the remaining balance of the usage limit of the said customer. At this time, the settlement server 50 further updates the usage history information corresponding to the store ID included in the information received from the store terminal 20-n, and increases the amount paid via the settlement service to the said store by the amount of the settlement amount.

[0019] The information processing system 100 acquires the user ID of the user who intends to receive the procurement of funds transmitted by the terminal device 10 and the information indicating the usage amount. The information processing system 100 determines the funds to be provided to the user based on the acquired user ID and the information indicating the usage amount. As the information processing system 100, for example, a stationary computer device may be used, or a portable computer device such as a smartphone or a tablet-type computer (tablet PC) may be used.

[0020] Hereinafter, the terminal device 10 and the information processing system 100 included in the funds providing system 1 will be described in detail. FIG. 2 is a block diagram showing an example of the terminal device 10 and the information processing system 100 included in the funds providing system 1 according to the present embodiment. (Terminal Device 10)

[0021] The terminal device 10 includes a communication unit 12, a creation unit 14, a processing unit 16, an operation unit 18, a display unit 19, and a storage unit 15. The communication unit 12 is realized by a communication module. The communication unit 12 communicates with an external communication device via a network NW. The communication unit 12 communicates using a communication method such as a wired LAN, for example. Also, the communication unit 12 may communicate using a wireless communication method such as a wireless LAN, Bluetooth (registered trademark), or LTE (Long Term Evolution) (registered trademark). The communication unit 12 holds communication information necessary for communicating with the information processing system 100 via the network NW. The display unit 19 is, for example, a display and is configured to include a touch panel. The storage unit 15 is realized by an HDD (Hard Disk Drive), a flash memory, a RAM (Random Access Memory), a ROM (Read Only Memory), etc., and stores information. The operation unit 18 is an input device that receives operations of the user U and is, for example, a touch panel. The operation unit 18 receives an operation when the user U performs an operation to access the site of the financing service. When the operation unit 18 receives an operation to access the site of the financing service, the login process is started. The login process will be described. The creation unit 14 creates an access request to the site of the financing service based on the operation received by the operation unit 18, and transmits the created access request from the communication unit 12 to the information processing system 100.

[0022] The access response sent by the information processing system 100 in response to the access request is received by the communication unit 12. The processing unit 16 acquires the access response from the communication unit 12, and based on the acquired access response, causes the display unit 19 to display an initial screen (not shown) of the financing service site. An example of the initial screen includes a box for entering a user ID and a box for entering a password. The operation unit 18 accepts an operation when the user U enters a user ID and a password on the initial screen and presses a login button (not shown). The creation unit 14 creates a login request including the user ID and the password based on the operation accepted by the operation unit 18, and transmits the created login request from the communication unit 12 to the information processing system 100. The store selection screen information sent by the information processing system 100 in response to the login request is received by the communication unit 12. When the store selection screen information is received by the communication unit 12, the login process ends. The processing unit 16 acquires the store selection screen information from the communication unit 12. When the processing unit 16 acquires the store selection screen information, the store selection process is started. The store selection process will be described. The processing unit 16 causes the display unit 19 to display the store selection screen based on the acquired store selection screen information.

[0023] FIG. 3A is a diagram showing an example of a store selection screen of the financing service. As shown in FIG. 3A, the store selection screen includes an application tab T01 to be pressed when making an application, an application history tab T02 to be pressed when referring to the application history, an unused tab UUT to be pressed when not using the financing service, a using tab UT to be pressed when using the financing service, available amount information AVAM, a selected store area SES A01, a selected store area SES A02, and a selected store plan button SES PB to be pressed when viewing a financing plan applicable to the selected store. In FIG. 3A, as an example, the case where a plan including two selected store tabs, i.e., the selected store area SES A01 and the selected store area SES A02, is displayed on the store selection screen is shown, but a plan including one selected store tab or a plan including three or more selected store tabs may be displayed. When the login process is completed, a screen for carrying out the application procedure, which by default starts with the store selection screen on the display unit 19, is displayed. However, the user U can switch the procedure they want to perform using a tab (procedure selection tab). The procedure selection tab includes an application tab T01, an application history tab T02, and the like. The user U can start the application procedure from the store selection screen immediately after logging in. However, when moving to another procedure screen using the procedure selection tab, an operation of pressing (selecting) the application tab T01 is performed to display the store selection screen.

[0024] On the store selection screen, information on all stores managed in association with the user ID of the user U is displayed for each store in the selected store area SES A. When applying for the financing service, the user U must first select the store for which to apply for financing. To select the store that will receive the financing, the cursor is placed on the selected store area SES A of the store for which financing is desired, and an operation of pressing (selecting) the selected store plan button SES PB U is performed. When the operation unit 18 receives this operation, the store selection process ends.

[0025] The creation unit 14 creates an application setting request including information indicating an application setting, which includes the user ID and the application plan selected by the user U based on the operation received by the operation unit 18, and one or more store IDs associated with one or more maximum available amounts for the stores included in the available amount included in the application plan. The application plan includes the store ID of the store selected by the user U. When the creation unit 14 creates the application setting request, the application process is started. In the application process, first, the application setting request created by the creation unit 14 is transmitted from the communication unit 12 to the information processing system 100.

[0026] The application setting screen information sent by the information processing system 100 in response to the application setting request is received by the communication unit 12. The processing unit 16 acquires the application setting screen information from the communication unit 12, and based on the acquired application setting screen information, causes the display unit 19 to display the application setting screen. FIGS. 3B and 3C are diagrams showing an example of an application setting screen for a financing service. As shown in FIGS. 3B and 3C, the application setting screen includes usage amount information USAM, a usage amount selection button UASEBU, a deduction rate selection button WRSEBU for selecting a deduction rate from the sales of the settlement service, and a confirmation button COBU that is pressed when confirming the application details.

[0027] When the user U applies for providing funds to the selected store, the user U needs to set the "usage amount" (the amount of funds the user wishes to provide; hereinafter, when simply referred to as the "usage amount", this shall refer to this unless otherwise specified), and the "deduction rate", which is the ratio of the amount deducted by the provider of the financing service for fund recovery from the settlement service usage amount, which is the amount of the settlement service usage amount (the total amount of the payments made by the customers of the user U using the settlement service at each store). In this embodiment, the "usage amount" refers to the total amount of the funds that the user U is currently borrowing from the provider of the financing service, and includes those for which the user U has applied for fund provision in the application process and the deposit has not yet been completed in the user U's account (that is, those for which the borrowing has not actually been completed yet).

[0028] User U selects the usage amount by pressing the usage amount selection button UASEBU. The usage amounts that can be selected by User U are determined by the information processing system 100 based on the past usage record of User U's settlement service usage amount. Since the amounts displayed on the usage amount selection button UASEBU and the number of buttons change according to the usage record of the settlement service, a plurality of buttons are not always displayed. FIGS. 3B and 3C show, as an example, a button labeled "50,000 yen", a button labeled "200,000 yen", a button labeled "350,000 yen", and a button labeled "700,000 yen".

[0029] Similarly, User U selects the debit rate by pressing the debit rate selection button WRSEBU. The debit rate selection button WRSEBU includes a plurality of buttons on which the debit rates are described. FIGS. 3B and 3C show, as an example, a button labeled "25%" and a button labeled "70%".

[0030] FIGS. 3B and 3C illustrate, respectively, the case where User U presses the button labeled "700,000 yen" among the plurality of buttons included in the usage amount selection button UASEBU and presses the button labeled "70%" among the plurality of buttons included in the debit rate selection button WRSEBU, and the case where User U presses the button labeled "25%" among the plurality of buttons BU included in the debit rate selection button WRSEBU.

[0031] The simulation of the debit amount (repayment amount) when User U receives the fund provision based on the selected usage amount and debit rate is immediately reflected and displayed in the usage amount information USAM. Before applying for the usage, User U can determine the usage amount and debit rate after comparing and considering the simulation results.

[0032] For example, even when the same usage amount is selected, if the deduction rate is set to "70%" as illustrated in Fig. 3B, 70% of the predicted amount for using the settlement service will be deducted from the fund-raising service provider for fund recovery. Therefore, although the deduction amount per time becomes as high as "163,333 yen", the fee can be suppressed, and it can be confirmed that the estimated month of the end of deduction (approximate) will also be "July 2023", indicating an early settlement. On the other hand, as illustrated in Fig. 3C, when the deduction rate is set to "25%", although the fee becomes relatively high and the estimated month of the end of deduction (approximate) is predicted to be extended to "January 2024", the deduction amount per time can be suppressed to "58,333 yen", so it does not put pressure on the monthly store balance.

[0033] Note that the content displayed in the usage amount information USAM is calculated based on the user U's actual performance of using the settlement service at the time of application. Therefore, the actual deduction is not necessarily carried out as simulated. What the user U designates is only the "deduction rate", and the deduction amount per time varies depending on the amount of the settlement service used at the store in the month to be deducted. Also, since the deduction amount will not exceed the usage amount of the settlement service, for the user U, there is an advantage that the situation where the deduction amount exceeds the sales can be avoided even in a month with low store sales. At the same time, for the provider of the fund-raising service, there is an advantage that the risk of bad debt can be significantly reduced.

[0034] The user U determines the usage amount and the deduction rate by using the usage amount selection button UASEBU and the deduction rate selection button WRUSEBU, and performs an operation of pressing the confirmation button COBU to confirm the application content.

[0035] The operation unit 18 receives the operation. When the operation unit 18 receives the operation of pressing the confirmation button COBU, the application process ends. The creation unit 14 creates a request for confirming the application content including the user ID, information indicating the usage amount, and information indicating the debit rate based on the operation received by the operation unit 18. When the creation unit 14 creates the request for confirming the application content, the application confirmation process is started. The application confirmation process will be described. The creation unit 14 transmits the created request for confirming the application content from the communication unit 12 to the information processing system 100.

[0036] The application content confirmation response transmitted by the information processing system 100 in response to the request for confirming the application content is received by the communication unit 12. The processing unit 16 acquires the application content confirmation response from the communication unit 12 and causes the display unit 19 to display an application content confirmation screen based on the acquired application content confirmation response. The application content confirmation screen is the same as FIGS. 3B and 3C. However, in the usage amount information USAM, the usage amount corresponding to the button BU pressed by the user U among the plurality of buttons BU included in the usage amount selection button UASEBU is reflected.

[0037] Incidentally, in many cases, the user U wants to receive as much fund provision as possible. However, as will be described later, in this fund raising service, an upper limit amount of funds that can be raised by the user U is set. Also, since the upper limit of the available amount is set for each store according to the settlement service usage record of each store, when receiving fund provision, it is possible to raise more funds by applying for fund provision at a store with a higher upper limit of the usage upper limit amount. Alternatively, even if the usage amount per store is small, if there are a plurality of other stores where it is possible to receive fund provision without exceeding the upper limit of the usage amount, or if it is possible to increase the funds that can be raised by canceling the currently selected store and combining the usage amounts of a plurality of other stores, the user U can maximize the usage amount (application amount) by effectively combining the application target stores and the application amount for fund raising.

[0038] Therefore, when there are stores in the usage amount information USAM where the user U can set a usage amount (application amount) higher than that of the store currently selected by the user U, or when there is a combination of store selections for maximizing the usage amount (application amount) other than the currently selected store, the notification information NOIN is displayed to notify this fact. Note that when the usage amount (application amount) and the deduction rate of the currently selected store can maximize the usage amount, the notification information NOIN is not displayed.

[0039] Specifically, when there is a store where the user U can set a higher user usage amount (application amount) than the store currently selected by the user U, as shown in Figure 3B, the notification information NOIN01 indicating that there is a store where the usage amount (application amount) can be higher than that of the store selected by the user U is displayed. For example, in Figure 3B, "There is a store where you can use up to 800,000 yen" is displayed as the notification information NOIN01. Also, when there is a store where the application of the usage amount (application amount) can be increased by applying in combination with the store currently selected by the user U, as shown in Figure 3C, the notification information NOIN02 indicating that there is a store where the funds that the user U can procure can be increased in addition to the store selected by the user U is displayed. For example, in Figure 3C, "By applying at multiple stores, you can use up to 900,000 yen" is displayed as the notification information NOIN02.

[0040] By displaying the notification information NOIN, the user U can easily maximize the usage amount by changing the selected store as needed or by applying for fund procurement at another store in addition to the selected store. At this time, the user U can easily execute an operation to return to the store selection screen by pressing the store selection screen transition button SSTBU, and can efficiently change the selected store or add a new store to the selected store. When user U wants to confirm the application details again, user U performs an operation of pressing the confirmation button COBU. The case where user U presses the confirmation button COBU has been described above, so the description is omitted here. When user U wants to apply, user U performs an operation of pressing an application button (not shown). The operation unit 18 receives this operation. When the operation unit 18 receives the operation of pressing the application button, the application confirmation process ends.

[0041] The creation unit 14 creates an application request including the user ID and information indicating the intention to apply, based on the operation received by the operation unit 18. When the creation unit 14 creates the application request, the application completion process is started. The application completion process will be described. The creation unit 14 transmits the created application request from the communication unit 12 to the information processing system 100.

[0042] The application completion screen information transmitted by the information processing system 100 for the application request is received by the communication unit 12. The processing unit 16 acquires the application completion screen information from the communication unit 12 and causes the display unit 19 to display the application completion screen based on the acquired application completion screen information. Fig. 3D is a diagram showing an example of the application completion screen of the financing service. As shown in Fig. 3D, the application completion screen includes information for notifying that the application has been completed, information indicating the payee after the application is approved in the information processing system 100, a new application acceptance button PSEBU to be pressed by user U when continuing to select another plan, and a close button CLBU to be pressed by user U when closing.

[0043] The case where user U presses the new application acceptance button PSEBU will be described. The operation unit 18 receives this operation. The creation unit 14 creates a plan selection request including the user ID and information indicating the plan selection, based on the operation received by the operation unit 18, and transmits the created plan selection request from the communication unit 12 to the information processing system 100. The store selection screen information sent by the information processing system 100 in response to the plan selection request is received by the communication unit 12. The processing unit 16 acquires the store selection screen information from the communication unit 12, and based on the acquired store selection screen information, causes the display unit 19 to display the store selection screen. The processing on the store selection screen has been described above, so the description is omitted.

[0044] By operating the new application acceptance button PSEBU, the user U can smoothly complete the application procedures for multiple stores in a short time. Also, for the implementer of the financing service, it is possible to prevent the loss of usage opportunities caused by the user U aborting the operation before applying for the next store.

[0045] Next, the case where the user U presses the close button CLBU will be described. The operation unit 18 receives the operation. When the operation unit 18 receives the operation of pressing the close button CLBU, the application completion process ends. The processing unit 16 closes the application completion screen based on the operation received by the operation unit 18.

[0046] Here, the plan selection button PSEBU may not be included in the application completion screen. FIG. 3E is a diagram showing another example of the application completion screen of the financing service. The application completion screen includes information for notifying that the application has been completed, information indicating the transfer payee after the application is approved in the information processing system 100, and the close button CLBU to be pressed when closing. On this application completion screen, the user U performs an operation of pressing the close button CLBU. The operation unit 18 receives the operation. When the operation unit 18 receives the operation of pressing the close button CLBU, the application completion process ends. The processing unit 16 closes the application completion screen based on the operation received by the operation unit 18.

[0047] After the application completion screen is closed by the user U, the application content determination screen information sent by the information processing system 100 is received by the communication unit 12. When the communication unit 12 receives the application content determination screen information, the application content determination process is started. The application content determination process will be described. The processing unit 16 acquires the application content determination screen information from the communication unit 12, and based on the acquired application content determination screen information, causes the display unit 19 to display the application content determination screen. When the processing unit 16 causes the display unit 19 to display the application content determination screen, the application content determination process ends.

[0048] FIG. 3F is a diagram showing an example of an application content determination screen for a financing service. As shown in FIG. 3F, the application content determination screen includes an application tab T01 to be pressed when making an application, an application history tab T02 to be pressed when referring to the application history, usage amount information USAM, and information indicating that the application content is being confirmed. The usage amount information USAM includes "AAA Cafe" as information indicating the store selected by the user U, "￥700,000" as information indicating the usage amount, "￥146,495" as information indicating the fee, a button to be pressed when viewing the application details, and a store selection screen transition button SSTBU to be pressed when returning to the store selection screen. The information indicating that the application content is being confirmed includes information indicating that the current stage among the multiple stages of application, company confirmation, result notification (email), deposit (to the designated account), and debit in the application procedure is "(company) confirmation".

[0049] After the application content determination screen is displayed on the display unit 19, the pre-deposit screen information sent by the information processing system 100 is received by the communication unit 12. The processing unit 16 acquires the pre-deposit screen information from the communication unit 12. When the processing unit 16 acquires the pre-deposit screen information, the deposit process is started. The deposit process will be described. The processing unit 16 causes the display unit 19 to display the pre-deposit screen based on the acquired pre-deposit screen information. When the processing unit 16 causes the display unit 19 to display the pre-deposit screen, the application content determination process ends.

[0050] FIG. 3G is a diagram showing an example of a pre-deposit screen for a fundraising service. As shown in FIG. 3G, the pre-deposit screen includes an application tab T01 to be pressed when making an application, an application history tab T02 to be pressed when referring to the application history, usage amount information USAM, and information indicating that the deposit is in preparation. The usage amount information USAM includes "AAA Cafe" as information indicating the store selected by the user U, "￥700,000" as information indicating the usage amount, a button to be pressed when viewing the application details, and a store selection screen transition button SSTBU to be pressed when returning to the store selection screen. The information indicating the deposit details includes information indicating that the current state is "deposit (preparing for deposit)" among multiple stages of application, company confirmation, result notification (email), deposit (to the designated account), and debit in the application procedure. Further, the information indicating the deposit details includes information indicating the payee, information indicating the estimated deposit date, and information indicating the deposit destination account. Further, the pre-deposit screen includes information indicating the first debit date. An example of the first debit date is the transfer date of the settlement service.

[0051] After the pre-deposit screen is displayed on the display unit 19, the debit screen information transmitted by the information processing system 100 is received by the communication unit 12. The processing unit 16 acquires the debit screen information from the communication unit 12. When the debit screen information is acquired by the processing unit 16, the debit process is started. The debit process will be described. The processing unit 16 causes the display unit 19 to display the debit screen based on the acquired debit screen information.

[0052] FIG. 3H is a diagram showing an example of a debit screen for a financing service. As shown in FIG. 3H, the debit screen includes an application tab T01 to be pressed when making an application, an application history tab T02 to be pressed when referring to the application history, remaining debit amount information RWAM, and information regarding the next debit. The remaining debit amount information RWAM includes "AAA Cafe" as information indicating the store selected by the user U, "￥878,430" as information indicating the remaining debit amount, "15 times" as information indicating the remaining number of debits (approximate), "January 2024" as information indicating the approximate month when the debit ends, and a bar graph showing the progress of the remaining debit amount. The information for notifying the debit includes information indicating that the current stage among the multiple stages of application, company confirmation in progress, result notification (email), deposit (to the designated account), and debit is "debit". Further, the information regarding the next debit includes information indicating the debit date and amount, and information indicating the usage period of the settlement service subject to the debit.

[0053] After the debit screen is displayed on the display unit 19, the debit completion screen information transmitted by the information processing system 100 is received by the communication unit 12. The processing unit 16 acquires the debit completion screen information from the communication unit 12 and causes the display unit 19 to display the debit completion screen based on the acquired debit completion screen information. By the processing unit 16 causing the display unit 19 to display the debit completion screen, the debit process ends.

[0054] FIG. 3I is a diagram showing an example of a debit completion screen for a financing service. As shown in FIG. 3I, the debit completion screen includes information indicating that the debit has been completed, information indicating "AAA Cafe" as the store selected by the user U, and a close button CLBU to be pressed when closing. On this debit completion screen, the user U performs an operation of pressing the close button CLBU. The operation unit 18 receives the operation. By the operation unit 18 receiving the operation of pressing the close button CLBU, the debit completion process ends. The processing unit 16 closes the application completion screen based on the operation received by the operation unit 18. Return to FIG. 2 and continue the explanation.

[0055] The creation unit 14, the processing unit 16, and the operation unit 18 are realized, for example, by a hardware processor such as a CPU (Central Processing Unit) executing a computer program (software) stored in the storage unit 15. Also, some or all of these functional units may be realized by hardware (including a circuit unit; circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by the cooperation of software and hardware. The computer program may be stored in advance in a storage device such as an HDD or a flash memory, or may be stored in a removable storage medium such as a DVD (Digital Versatile Disc) or a CD-ROM, and may be installed by mounting the storage medium on a drive device.

[0056] (Information Processing System 100) The information processing system 100 includes a communication unit 102, a reception unit 104, an acquisition unit 105, a determination unit 106, a determination unit 107, a creation unit 108, a derivation unit 109, a storage unit 110, and a processing unit 111. The communication unit 102 is realized by a communication module. The communication unit 102 communicates with an external communication device via the network NW. The communication unit 102 communicates by a communication method such as a wired LAN, for example. Also, the communication unit 102 may communicate by a wireless communication method such as a wireless LAN, Bluetooth (registered trademark), or LTE (registered trademark), for example. The communication unit 102 holds communication information necessary for communicating with the terminal device 10 and the payment server 50 via the network NW.

[0057] The storage unit 110 is implemented by an HDD, flash memory, RAM, ROM, etc., and stores information. The storage unit 110 stores user information, user-store related information, user-available amount related information, store selection information, and application information. The user information associates the user ID of one or more users with the password for each user ID of the one or more users to log in to the financing service site corresponding to the user ID. The user-store related information associates the user ID of one or more users with the store ID of each of a plurality of stores that have a record of using the settlement service as proof for the user corresponding to the user ID to obtain financing through the financing service. Here, the proof for obtaining financing through the financing service is the amount of use (or record of use) of the settlement service of each store, that is, the amount of claim that user U holds against the provider of the settlement service or its change situation.

[0058] The user-available amount related information associates the user ID, the store ID of each of a plurality of stores associated with the user ID, information indicating the usage history of the settlement service of the store corresponding to each of the plurality of store IDs, information indicating the amount that can be financed by the store (hereinafter also referred to as the "store maximum available amount") set based on the settlement service usage record of the store corresponding to each of the plurality of store IDs, the "amount in use" which refers to the amount of the funds recovered by the store that has not been completed (however, during the application procedure, the amount during the application procedure before the account deposit is completed is added), and the "store application available amount" which represents the amount for which a new financing application can be made at the store at the current time. That is, the store application available amount is the amount obtained by subtracting the amount in use from the store maximum available amount of the store. The store selection information associates a plurality of user IDs with the store ID of one or more stores associated with one or more store maximum available amounts included in the available amount selected by user U corresponding to each of the plurality of user IDs. The application information is associated with a plurality of user IDs, information indicating the amount of money in use by the user corresponding to each of the plurality of user IDs, information indicating the debit rate, information indicating the funds to be procured, and information indicating the store IDs of a plurality of stores regarding the amount of payment service usage in each store that secures the funds.

[0059] The communication unit 102 receives an access request transmitted by the terminal device 10. When the communication unit 102 receives the access request, the login process is started. The login process will be described. The reception unit 104 acquires the access request from the communication unit 102 and accepts the acquired access request. The creation unit 108 acquires the access request accepted by the reception unit 104 and creates an access response for causing the terminal device 10 to display an initial screen (not shown) based on the acquired access request. The creation unit 108 transmits the created access response from the communication unit 102 to the terminal device 10.

[0060] The communication unit 102 receives a login request transmitted by the terminal device 10. The reception unit 104 acquires the login request from the communication unit 102 and accepts the acquired login request. The determination unit 107 acquires the login request accepted by the reception unit 104 and acquires the user ID and password included in the acquired login request. The determination unit 107 determines whether the combination of the acquired user ID and password is included in the user information of the storage unit 110.

[0061] When the determination unit 107 determines that the combination of the user ID and password is not included in the user information of the storage unit 110, the creation unit 108 creates screen information for causing the terminal device 10 to display that login is not possible. The creation unit 108 transmits the created screen information from the communication unit 102 to the terminal device 10.

[0062] When the determination unit 107 determines that the combination of the user ID and password is included in the user information of the storage unit 110, the login process ends and the store selection process starts.

[0063] The store selection process will be described. Here, the description will proceed assuming the case where user U uses the financing service for the first time (when there is no funds being withdrawn). The available application amount for each store is calculated by subtracting the amount of funds currently being used for the financing service at that store from the maximum available amount for that store. That is, assuming there is no amount currently being used, the maximum available amount for the store and the available application amount for the store are equal.

[0064] The acquisition unit 105 acquires a plurality of store IDs associated with the user ID from the user store-related information in the storage unit 110, and creates a usage amount information request for requesting information indicating the usage amount of the settlement service for the store corresponding to each of the plurality of store IDs. The creation unit 108 transmits the created usage amount information request from the communication unit 202 to the settlement server 50.

[0065] The usage amount information response transmitted by the settlement server 50 in response to the usage amount information request is received by the communication unit 102. The reception unit 104 acquires the usage amount information response from the communication unit 102, and receives information indicating the settlement service usage record (for example, the settlement service usage history for the most recent several months) for the store corresponding to each of the plurality of store IDs included in the acquired usage amount information response. The reception unit 104 associates the user ID with the information indicating the usage amount of the store settlement service corresponding to each of the plurality of store IDs associated with the user ID, and stores it in the user available amount-related information in the storage unit 110.

[0066] The derivation unit 109 derives the maximum available amount for each store (the amount that each store can raise) based on the usage amount of the settlement service for the store corresponding to each of the plurality of store IDs associated with the user ID of user U. Also, by summing up the maximum available amounts for each of the plurality of stores linked to the user ID of user U, the maximum available amount for the user is derived.

[0067] At this time, the derivation unit 109 further compares the total amount of the maximum available amount for each store with a specified upper limit amount arbitrarily determined by the financing service provider. When the total amount of the maximum available amount for the stores exceeds the specified upper limit amount, the derivation unit 109 derives the specified upper limit amount as the maximum available amount for the user, associates it with the user ID, and stores it in the storage unit 110.

[0068] The maximum available amount for a store is derived, for example, by the derivation unit 109 predicting the future amount of payment service usage for each store corresponding to each of a plurality of store IDs based on the assessment results of the stores corresponding to each of the plurality of store IDs and information indicating the amount used in the payment service of the store. Here, the assessment of the store is performed in advance using a predetermined algorithm, for example, based on the creditworthiness of the store.

[0069] The determination unit 107 acquires information indicating the amount of payment service usage for each store corresponding to each of a plurality of store IDs associated with the user ID of the user U from the reception unit 104. The determination unit 107 determines a store for which fund provision can be implemented based on the information indicating the amount of payment service usage for each store corresponding to each of the acquired plurality of store IDs. For example, the determination unit 107 determines a store for which the amount of payment service usage corresponds to a threshold value or more as a target store for which fund provision is possible.

[0070] The derivation unit 109 acquires the store IDs of each of the one or more stores determined to be fundable among the plurality of stores corresponding to the plurality of store IDs associated with the user ID of the user U from the determination unit 107. The derivation unit 109 acquires information indicating the maximum available amount of each store associated with each of the one or more acquired store IDs from the user-available amount-related information in the storage unit 110. Based on the information indicating the maximum available amount of each store associated with each of the plurality of store IDs associated with the user ID of the user U, the derivation unit 109 combines the one or more maximum available amounts of the stores to obtain a combination of application amounts for the fund-raising service for one or more stores that can be provided to the user U (that the user U can procure) (although in some cases of the derivation result, only one candidate may be presented, and in this case, including such cases, for convenience, it is expressed as a "combination") to derive a combination candidate of the store for which the fund-raising application is made and the amount for which the application is made (hereinafter referred to as the "application plan").

[0071] Based on the one or more derived application plans, the derivation unit 109 derives the order to be proposed to the user U. For example, the derivation unit 109 may derive the order so that the available application amounts among the one or more application plans decrease from the highest to the lowest, or may derive the order randomly. The creation unit 108 acquires information indicating the available amount to be first proposed to the user U from the derivation unit 109 and the one or more store IDs associated with the one or more maximum available amounts of the stores included in the available amount, and creates store selection screen information for displaying a store selection screen (FIG. 3A) on the terminal device 10. The creation unit 108 transmits the created store selection screen information from the communication unit 102 to the terminal device 10. When the store selection screen information is transmitted from the communication unit 102 to the terminal device 10, the store selection process is started.

[0072] The store selection process will be described. The creation unit 108 acquires user ID, one or more store IDs determined to be eligible for financing, and user maximum available amount information, which is the upper limit amount of the financing amount available to the user at the time of application, from the reception unit 104. Also, the creation unit 108 acquires the application plan selected by user U from among one or more application plans from the derivation unit 109. The creation unit 108 creates store selection screen information for causing the terminal device 10 to display a store selection screen (FIG. 3A) based on the acquired information. The creation unit 108 transmits the created store selection screen information from the communication unit 202 to the terminal device 10.

[0073] The communication unit 102 receives an application setting request transmitted by the terminal device 10. The application process is started when the application setting request is received by the communication unit 102. The application process will be described. The reception unit 104 acquires the application setting request from the communication unit 102, and receives the user ID and the application plan selected by user U included in the acquired application setting request, and one or more store IDs associated with one or more maximum available amounts included in the available amount included in the application plan. The reception unit 104 acquires one or more store IDs associated with one or more maximum available amounts included in the application plan selected by user U corresponding to the user ID, and stores them in the store selection information of the storage unit 110 in association.

[0074] The creation unit 108 acquires the user ID and one or more store IDs from the reception unit 104, and creates application setting screen information for causing the terminal device 10 to display an application setting screen (FIG. 3B, FIG. 3C) based on the acquired user ID and one or more store IDs. The determination unit 106 acquires the user ID and one or more store IDs from the reception unit 104, and acquires from the store selection information in the storage unit 110 one or more store IDs associated with the maximum available amounts included in the application plan selected by the user U corresponding to the acquired user ID. The determination unit 106 acquires, from the user available amount related information in the storage unit 110, information indicating the maximum available amount that the user U can procure, using as evidence the usage status of each settlement service of the stores corresponding to the acquired one or more store IDs. The determination unit 106 determines the funds to be provided to the user U based on the maximum available amount that the user U can procure, using as evidence the usage status of each settlement service of the stores corresponding to the acquired one or more store IDs.

[0075] The determination unit 107 acquires the user ID and one or more store IDs associated with one or more store maximum available amounts included in the application plan selected by the user U corresponding to the user ID from the reception unit 104. The determination unit 107 acquires, from the user available amount related information in the storage unit 110, information indicating the store maximum available amount that the user U can procure, using as evidence the settlement service usage amount of the stores corresponding to each of the plurality of store IDs associated with the acquired user ID. The determination unit 107 acquires information indicating the funds to be provided to the user U from the determination unit 106. The determination unit 107 determines whether there is a store where the funds that the user U can procure can be increased, based on the information indicating the funds to be provided to the acquired user U and the information indicating the store maximum available amount that the user U can procure, using as evidence the settlement service usage amount of the stores corresponding to each of the plurality of store IDs associated with the user ID. For example, the determination unit 107 determines whether there is a store where the funds that the user U can procure can be increased until reaching the upper limit value of the usage amount (either the predefined upper limit value of the usage amount or the smaller of the total values of the store maximum available amounts set for all stores associated with the user ID of the user U). Here, an example of the predefined upper limit value of the usage amount is 1,000,000 yen.

[0076] When the determination unit 107 determines that there is a store where the user U can raise more funds than the store corresponding to one or more store IDs associated with the maximum available amount for one or more stores included in the application plan selected by the user U, the creation unit 108 creates an application content confirmation response for displaying an application setting screen (Fig. 3B) that includes notification information NOIN01 indicating that there is a store where the user U can raise more funds than the store corresponding to one or more store IDs associated with the maximum available amount for one or more stores included in the application plan selected by the user U. When the determination unit 107 determines that there is a store where the user U can raise more funds than the store corresponding to one or more store IDs associated with the maximum available amount for one or more stores included in the application plan selected by the user U, in addition to the store corresponding to the one or more store IDs associated with the maximum available amount for one or more stores included in the application plan selected by the user U, the creation unit 108 creates an application content confirmation response for displaying an application setting screen (Fig. 3C) that includes notification information NOIN02 indicating that there is a store where the user U can raise more funds than the store corresponding to one or more store IDs associated with the maximum available amount for one or more stores included in the application plan selected by the user U, in addition to the store corresponding to the one or more store IDs associated with the maximum available amount for one or more stores included in the application plan selected by the user U. The creation unit 108 transmits the created application setting screen information from the communication unit 102 to the terminal device 10. The application process ends when the application setting screen information is transmitted from the communication unit 102 to the terminal device 10.

[0077] The communication unit 102 receives an application confirmation request transmitted by the terminal device 10. The application confirmation process is started when the communication unit 102 receives the application confirmation request. The application confirmation process will be described. The reception unit 104 acquires the application confirmation request from the communication unit 102 and receives the user ID, information indicating the amount of use of the financing service, and information indicating the debit rate included in the acquired application confirmation request. The reception unit 104 associates the user ID with the information indicating the amount of use of the financing service of the user U corresponding to the user ID and the information indicating the debit rate and stores them in the application information in the storage unit 110.

[0078] The determination unit 106 acquires from the reception unit 104 information indicating the user ID and the amount of use of the financing service, and acquires from the store selection information in the storage unit 110 the store ID of one or more stores associated with the acquired user ID. The determination unit 106 acquires from the user available amount related information in the storage unit 110 information indicating the maximum available amount of each of the one or more stores associated with the acquired store ID. The determination unit 106 determines the funds to be provided to the user U based on the maximum available amount of each of the one or more stores associated with the store ID.

[0079] For example, when the total of the maximum available amounts of the stores associated with each of the store IDs of the one or more stores is less than or equal to the amount of use, the determination unit 106 determines the total of the maximum available amounts of the stores as the funds to be provided to the user U. The determination unit 106 associates the user ID of the user U, information indicating the funds to be provided to the user U, and information indicating the store ID of one or more stores having the amount of use of the settlement service as the backing for the funds, and stores them in the application information in the storage unit 110.

[0080] The determination unit 107 acquires from the reception unit 104 information indicating the user ID and the amount of use of the financing service. The determination unit 107 acquires from the user available amount related information in the storage unit 110 information indicating the maximum available amount of each of the plurality of store IDs associated with the acquired user ID. The determination unit 107 acquires from the determination unit 106 information indicating the funds to be provided to the user U. The determination unit 107 determines whether there is a store where the user U can increase the funds that can be raised based on the information indicating the funds to be provided to the user U acquired and the information indicating the maximum available amount of each of the plurality of store IDs associated with the user ID. For example, the determination unit 107 determines whether there is a store where the user U can increase the funds that can be raised until reaching the specified upper limit value of the amount of use based on the specified upper limit value of the amount of use determined in advance.

[0081] When the determination unit 107 determines that there is a store that can increase the funds that user U can procure instead of the store corresponding to one or more store IDs associated with the maximum available amount for one or more stores included in the application plan selected by user U, the creation unit 108 creates an application content confirmation response for displaying an application content confirmation screen (FIG. 3B) that includes notification information NOIN01 indicating that there is a store that can increase the funds that user U can procure instead of the store corresponding to one or more store IDs associated with the maximum available amount for one or more stores included in the application plan selected by user U. When the determination unit 107 determines that there is a store that can increase the funds provided to user U in addition to the one or more stores included in the application plan selected by user U, the creation unit 108 creates an application content confirmation response for displaying an application content confirmation screen (FIG. 3C) that includes notification information NOIN02 indicating that there is a store that can increase the funds provided to user U in addition to the one or more stores included in the application plan selected by user U. The creation unit 108 transmits the created application content confirmation response from the communication unit 102 to the terminal device 10. The application confirmation process ends when the application content confirmation response is transmitted from the communication unit 102 to the terminal device 10.

[0082] The communication unit 102 receives the application request transmitted by the terminal device 10. The application completion process is started when the communication unit 102 receives the application request. The application completion process will be described. The reception unit 104 acquires the application request from the communication unit 102 and accepts the user ID and the information indicating the application included in the acquired application request. The processing unit 111 acquires the user ID and information indicating application from the reception unit 104, and among the plurality of user IDs included in the application information in the storage unit 110, information indicating the amount of payment service usage associated with the acquired user ID, information indicating the debit rate, information indicating the funds to be procured, and the store ID of one or more stores having the amount of payment service usage as collateral for the funds are set to a confirmed state. The creation unit 108 creates application completion screen information for causing the terminal device 10 to display an application completion screen (FIGS. 3D and 3E), and transmits it from the communication unit 102. The application completion process ends when the application completion screen information is transmitted from the communication unit 102 to the terminal device 10.

[0083] After the application completion screen information is transmitted by the communication unit 102, the processing unit 111 acquires the application information set to the confirmed state. By the processing unit 111 acquiring the application information set to the confirmed state, the application content determination process is started. However, when the communication unit 102 receives a plan selection request transmitted by the terminal device 10, the creation unit 108 creates store selection screen information by performing the same process as the above-described process. The creation unit 108 transmits the created store selection screen information from the communication unit 102 to the terminal device 10. The application content determination process will be described. The processing unit 111 determines the content of the application based on the user ID, information indicating the usage amount, information indicating the debit rate, information indicating the funds to be procured, and the store ID of one or more stores having the amount of payment service usage as collateral for the funds included in the acquired application information. For example, the processing unit 111 determines the content of the application using a predetermined algorithm. When the processing unit 111 determines that the result of determining the content of the application is not approved, the processing unit 111 performs predetermined error processing. When the determination of the application content is completed by the processing unit 111 and it is determined to be approved, the creation unit 108 creates an email for notifying that the confirmation of the application content is completed, and transmits it from the communication unit 102. Here, the email address of the user U is registered in advance. The creation unit 108 creates application content determination screen information for displaying an application content determination screen (FIG. 3F) on the terminal device 10, and transmits it from the communication unit 102. When the application content determination screen information is transmitted from the communication unit 102 to the terminal device 10, the application content determination process ends.

[0084] After the application content determination screen information is transmitted by the communication unit 102, in the information processing system 100, the payment process is started. The payment process will be described. The processing unit 111 performs a payment process based on the information indicating the funds to be procured included in the application information. The creation unit 108 creates pre-payment screen information for displaying a pre-payment screen (FIG. 3G) on the terminal device 10, and transmits it from the communication unit 102. When the pre-payment screen information is transmitted by the communication unit 102 and a payment instruction to the payee account is given by the processing unit 111, the payment process ends. After the payment is made by the processing unit 111, in the information processing system 100, the deduction process is started. The deduction process will be described. The creation unit 108 creates deduction screen information for displaying a deduction screen (FIG. 3H) on the terminal device 10, and transmits it from the communication unit 102. The processing unit 111 performs a deduction by subtracting the amount obtained by multiplying the usage amount of the payment service by the deduction rate and adding the fee from the monthly payment service usage amount of the store that applied for the fund procurement, based on the user ID included in the application information in the confirmed state, the information indicating the application amount of the user corresponding to the user ID, the information indicating the deduction rate, the information indicating the funds to be procured, and the information indicating the store ID of one or more stores having the payment service usage amount as the backing for the funds and the deduction rate. Then, the creation unit 108 creates deduction completion screen information for displaying a deduction completion screen (FIG. 3I) on the terminal device 10, and transmits it from the communication unit 102. When the deduction completion screen information is transmitted to the terminal device 10 by the communication unit 102, the deduction process ends.

[0085] The reception unit 104, acquisition unit 105, determination unit 106, judgment unit 107, creation unit 108, derivation unit 109, and processing unit 111 are realized, for example, by a hardware processor such as a CPU executing a computer program (software) stored in the storage unit 110. Also, some or all of these functional units may be realized by hardware (including a circuit unit; circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be realized by cooperation between software and hardware. The computer program may be stored in advance in a storage device such as an HDD or flash memory, or may be stored in a removable storage medium such as a DVD or CD-ROM, and may be installed by mounting the storage medium on a drive device.

[0086] (Operation of the financing system 1) FIG. 4 is a flowchart showing an example of the operation of the financing system 1 of the present embodiment. With reference to FIG. 4, the operation of the information processing system 100 will be mainly described. (Step S1-1) The assessment of each store is performed. Although the method of assessment is omitted here, for example, a method of determining by an arbitrary algorithm based on the usage history of the settlement service of the store can be considered. (Step S2-1) A plurality of store IDs are registered in the information processing system 100 in association with the user ID. That is, in the user-store related information of the storage unit 110, the user ID of one or more users and the store ID of each of the plurality of stores having the amount of settlement service usage as a guarantee for the user corresponding to the user ID to obtain financing through the financing service are associated and registered. (Step S3-1) The information processing system 100 performs a login process with the terminal device 10.

[0087] (Step S4-1) The information processing system 100 performs a store selection process with the terminal device 10. (Step S5-1) The information processing system 100 performs an application process with the terminal device 10. (Step S6-1) The information processing system 100 performs an application confirmation process with the terminal device 10. (Step S7-1) The information processing system 100 performs an application completion process with the terminal device 10.

[0088] (Step S8-1) The information processing system 100 performs an application content determination process with the terminal device 10. (Step S9-1) The information processing system 100 performs a payment process. (Step S10-1) The information processing system 100 performs a debit process.

[0089] FIG. 5 is a flowchart showing an example of the operation of the financing system 1 of the present embodiment. With reference to FIG. 5, the store selection process in step S4-1 of FIG. 4 will be described in detail. (Step S1-2) The acquisition unit 105 acquires information indicating the amount of money in use for each of one or more stores associated with the user ID. (Step S2-2) The determination unit 107 determines the stores to which applications can be made associated with the user ID. (Step S3-2) The derivation unit 109 derives a combination of the maximum amounts of money in use for each store associated with the user ID. (Step S4-2) The derivation unit 109 determines the maximum amount of money in use for the user ID and derives the order to be proposed to the user U. (Step S5-2) The creation unit 108 creates store selection screen information for displaying the amounts of money in use for each store associated with the user ID on the terminal device 10.

[0090] FIG. 6 is a flowchart showing an example of the operation of the financing system 1 of the present embodiment. With reference to FIG. 6, the application process in step S5-1 of FIG. 4 will be described in detail. (Step S1-3) The creation unit 108 creates application setting screen information (FIGS. 3B and 3C) for causing the terminal device 10 to display an application setting screen. The application setting screen includes usage amount information USAM indicating a usage amount deduction simulation result when applying at the deduction rate selected by the deduction rate selection button WRSEBU for the usage amount of each store selected by the user U using the usage amount selection button UASEBU. (Step S2-3) The determination unit 107 determines whether there is a store other than the store selected by the user U to which an application can be made. (Step S3-3) When the determination unit 107 determines that there is a store other than the selected store to which an application can be made, the determination unit 107 determines whether there is a plan with an available amount that can increase the funds that the user U can procure more than the selected store.

[0091] (Step S4-3) When it is determined by the determination unit 107 that there is a plan with an available amount that can increase the funds that the user U can procure more than the selected store, the creation unit 108 changes (creates) the application setting screen information so that a balloon (1) in which notification information NOIN01 indicating that there is a store that can increase the funds that the user U can procure more than the selected store is displayed is displayed on the application setting screen. (Step S5-3) When it is determined by the determination unit 107 that there is no plan with an available amount that can increase the funds that the user U can procure more than the selected store, the creation unit 108 determines whether it is possible to apply to procure a total usage amount equal to or greater than the usage amount of the available amount plan by the selected store at other available stores in addition to the selected store.

[0092] (Step S6-3) When it is determined that in addition to the store selected by the determination unit 107, the creation unit 108 can apply to obtain a total available amount greater than or equal to the available amount of the plan by the selected store from other available stores, if a balloon (2) is displayed on the application setting screen indicating that there is a store where the user U can obtain a higher amount of funds in addition to the store selected by the user U, the application setting screen information is changed (created) so that it is displayed on the application setting screen. (Step S7-3) When it is determined in step S2-3 that there are no other stores where the application can be made other than the store selected by the user U by the determination unit 107, or when it is determined in step S5-3 that in addition to the store selected by the determination unit 107, it is not possible to apply to obtain a total available amount greater than or equal to the available amount of the plan by the selected store from other available stores, the creation unit 108 creates an application content confirmation response so that the balloon is not displayed (not included) on the application setting screen. The processes of steps S1-1 to S7-3 are also appropriately executed in steps S8-1, S9-1, and S10-1 of FIG. 10.

[0093] FIG. 7 is a flowchart showing an example of the operation of the fund procurement system 1 of the present embodiment. With reference to FIG. 7, the application completion process in step S6-1 of FIG. 4 will be described in detail. (Step S1-4) The determination unit 107 determines whether the amount of money in use associated with the user ID has reached the upper limit. Here, the upper limit of the amount of money in use refers to the smaller of the specified upper limit amount preset by the fund procurement service provider and the total amount of the maximum available amount of each store associated with the user ID. If the amount of money in use has not reached the upper limit for the user ID, the process proceeds to step S6-1 of FIG. 4. (Step S2-4) When the determination unit 107 determines that the amount of money in use associated with the user ID has not reached the upper limit, the determination unit 107 determines whether there are any stores where the application can be made among the stores associated with the user ID. If there are no stores where the application can be made associated with the user ID, the process proceeds to step S6-1 of FIG. 4. (Step S3-4) When it is determined by the determination unit 107 that there is an applicable store associated with the user ID, the creation unit 108 creates an application completion screen including a new application reception button PSEBU for selecting another plan. Then, it proceeds to step S6-1 in FIG. 4.

[0094] FIG. 8 is a flowchart showing an example of the operation of the financing system 1 of the present embodiment. With reference to FIG. 8, the debit process in step S10-1 of FIG. 4 will be described in detail. (Step S1-5) The processing unit 111 determines whether it is after 12:00 on the scheduled deposit date. If it is not after 12:00 on the scheduled deposit date, it returns to step S1-5. (Step S2-5) When it is after 12:00 on the scheduled deposit date, the processing unit 111 determines whether it is a per-time debit. If it is not a per-time debit, it returns to step S2-5. (Step S3-5) When it is a per-time debit, the processing unit 111 determines whether the debit is completed or the contract period has ended. If the debit is not completed and the contract period has not ended, it returns to step S3-5. When the debit is completed or the contract period has ended, it proceeds to step S6-1 in FIG. 10.

[0095] In the above-described embodiment, the case where the user U uses the financing service for the first time (or when the amount in use is zero) is assumed, and the case where the unused tab UUT is pressed in an example of the store selection screen of the financing service shown in FIG. 3A has been described. Hereinafter, the case where the user U is already using the financing service (the amount in use is not zero) and the in-use tab UT is pressed in the store selection screen of the financing service will be described.

[0096] FIG. 9A is a diagram showing an example of a store selection screen for a financing service. In FIG. 9A, the unused tab UUT is pressed. When the user U presses the in-use tab UT, the operation unit 18 receives the operation. The creation unit 14 creates a display request for the in-use store, including information indicating to display the user ID and the store where the financing service is being used, based on the operation received by the operation unit 18. The creation unit 14 transmits the created display request for the in-use store from the communication unit 12 to the information processing system 100.

[0097] In response to the display request for the in-use store, the information processing system 100 creates in-use store display screen information for causing the terminal device 10 to display an in-use store display screen. The information processing system 100 transmits the in-use store display screen information to the terminal device 10. The in-use store display screen information transmitted by the information processing system 100 is received by the communication unit 12. The processing unit 16 acquires the in-use store display screen information from the communication unit 12 and causes the display unit 19 to display the in-use store display screen based on the acquired in-use store display screen information. FIG. 9B is a diagram showing an example of an in-use store display screen. According to FIG. 9B, when the unused tab UUT is pressed, the button SESPBU for viewing the plan of the selected store to be displayed is not displayed, and the button SESUSBU for checking the usage status of the selected store is displayed. When the user U presses the button SESUSBU, the operation unit 18 receives the operation. The creation unit 14 creates a display request for the usage status of the selected store, including information indicating to display the user ID and the usage status of the selected store, based on the operation received by the operation unit 18. The creation unit 14 transmits the created display request for the usage status of the selected store from the communication unit 12 to the information processing system 100.

[0098] In response to the request for displaying the usage status of the selected store, the information processing system 100 creates information on the screen for displaying the usage status of the selected store for causing the terminal device 10 to display the screen. The information processing system 100 transmits the information on the screen for displaying the usage status of the selected store to the terminal device 10. The information on the screen for displaying the usage status of the selected store transmitted by the information processing system 100 is received by the communication unit 12. The processing unit 16 acquires the information on the screen for displaying the usage status of the selected store from the communication unit 12, and causes the display unit 19 to display the screen for displaying the usage status of the selected store based on the acquired information on the screen for displaying the usage status of the selected store.

[0099] The screen for displaying the usage status of the selected store includes a button AHBU that is pressed when all usage statuses (application history) related to the selected store are to be displayed, a button UHBU that is pressed when the usage status of the selected store being currently used (being debited) is to be displayed, and a button FHBU that is pressed when the usage status (application history) of the selected store for which the usage has ended (the debit has ended) is to be displayed.

[0100] On the screen for displaying the usage status of the selected store, when the user U presses any one of the button AHBU, the button UHBU, and the button FHBU, either or both of the usage status (being debited) and the usage status (application history) for which the usage has ended (the debit has ended) related to the selected store can be displayed. As an example, the case where the button AHBU is pressed will be described. When the user U presses the button AHBU, the operation unit 18 receives the operation. The creation unit 14 creates a request for displaying the application history including information indicating to display the application history of the selected store based on the operation received by the operation unit 18. The creation unit 14 transmits the created request for displaying the application history from the communication unit 12 to the information processing system 100.

[0101] In response to the application history display request, the information processing system 100 creates application history display screen information for causing the terminal device 10 to display an application history display screen. The information processing system 100 transmits the application history display screen information to the terminal device 10. The application history display screen information transmitted by the information processing system 100 is received by the communication unit 12. The processing unit 16 acquires the application history display screen information from the communication unit 12 and causes the display unit 19 to display the application history display screen based on the acquired application history display screen information. FIGS. 10A to 10D are diagrams showing an example of an application history display screen of the financing service.

[0102] The display state of the application history display screen differs depending on the status of the application history to be displayed. FIG. 10A is an example when the current status is "in use", and FIGS. 10B, 10C, and 10D are examples when the status is "preparing for deposit", "under company confirmation", and "withdrawal completed", respectively. As shown in FIG. A, when the status is "in use", the current progress of the withdrawal with respect to the remaining withdrawal amount is displayed as a gauge, and the progress of the withdrawal can be visually recognized intuitively.

[0103] The button COBU displayed in FIGS. 10A to 10D is a button for displaying detailed information, and the display content displayed when this button is pressed differs depending on the current status of the application history to be displayed. When the button COBU is pressed when the status is "in use", as shown in FIG. 10A, information regarding the "application details" is displayed below the button COBU, and at the same time, the "+" mark displayed on the right side of the button COBU is changed to a "-" mark. If the user U wants to end the display of the detailed information, the COBU button is pressed again. On the other hand, when the button COBU is pressed when the status is "preparing for deposit", "under company confirmation", or "withdrawal completed", information on the "transfer destination account" is displayed below the button COBU as shown in FIGS. 10B to 10D, respectively.

[0104] According to FIG. 10C, on the application history display screen, the store "AAA Café" is currently in the status of "confirming application details", with a total debit amount of "￥878,430", including usage amount "￥700,000" and fee "￥178,430" as breakdowns of the total debit amount, a debit rate of 30% from the settlement sales of the payment service, and a button to be pressed when checking the transfer destination account. Further, the application history display screen includes the email address registered as the recipient of the email notifying that it has been confirmed after the confirmation is completed.

[0105] According to FIG. 10D, on the application history display screen, the store "AAA Café" is currently in the status of "debit completed", with a total debit amount of "￥878,430", including usage amount "￥700,000" and fee "￥178,430" as breakdowns of the total debit amount, a debit rate of 30% from the settlement sales of the payment service, and a button to be pressed when checking the transfer destination account. Further, the application history display screen includes confirmation items regarding the bond transfer period.

[0106] In FIGS. 10A to 10D, it is preferable for the user that the history information during use and the history information after debit completion are displayed in different colors. Specifically, in this example, when it is in use such as during confirmation, in preparation for deposit, or during debit, it is displayed in light blue, and when it is after debit completion such as debit completed, it is displayed in dark blue. Thus, the user U can visually confirm the case during use and the case after debit completion.

[0107] Furthermore, in this embodiment, when there is a plan (store where financing is possible) that the user U can apply for in the information processing system 100, the information processing system 100 may promote the use of the financing service by notifying the user U by email. At this time, in the information processing system 100, the creation unit 108 creates an email including plan notification information for notifying the user U of a plan combining the maximum usage amounts of each store associated with the user ID of the user U, and transmits it from the communication unit 102.

[0108] FIG. 11A is a diagram showing an example of plan notification information for a financing service. The creation unit 108 creates an e-mail including the plan notification information, for example, when creating the store selection screen information, or instead of creating the store selection screen information. As shown in FIG. 11A, the plan notification information includes, together with the user ID account name, the plans that can be applied for at the current date and time "March 14, 2023", and a button APBU to be pressed when selecting other plans. As an example of the plan that can be applied for, it is shown that up to a total of 800,000 yen can be applied for one plan per store.

[0109] Furthermore, as an example of the plan that can be applied for, for the store "AAA Cafe", the usage amount "￥450,000", the debit rate "95%", the debit end period (approximate) "4 months", and a button to be pressed when viewing details are shown. For the store "BBB Cafe", the usage amount "￥200,000", the debit rate "95%", the debit end period (approximate) "4 months", and a button to be pressed when viewing details are shown. For the store "CCC Cafe", the usage amount "￥150,000", the debit rate "95%", the debit end period (approximate) "4 months", and a button to be pressed when viewing details are shown. The information system 100 may promote the use of the financing service by the user U by periodically sending such a notification e-mail to the user U.

[0110] FIG. 11B is a diagram showing an example of plan notification information for a financing service. The creation unit 108 may create and send an e-mail including the plan notification information, for example, when it is possible to confirm the end of the debit of the plan in use at any of the stores associated with the user ID of the user U, or when a relatively large margin occurs in the maximum available amount for the user. As shown in FIG. 11B, the plan notification information includes, together with the user ID account name, information for notifying that a store whose debit has ended has occurred among the stores associated with the user ID of the user U, the plans that can be applied for at this time, a button APBU to be pressed when selecting other plans, and a button COHBU to be pressed when checking the application history.

[0111] Furthermore, as an example of the applicable plans, it is shown that it is possible to apply up to a total of 750,000 yen, one plan per store. Furthermore, as an example of the applicable plans, for the store "AAA Café", the usage amount "￥400,000", the deduction rate "95%", the approximate deduction end period "4 months", and the button to be pressed when viewing details are shown. For the store "BBB Café", the usage amount "￥200,000", the deduction rate "95%", the approximate deduction end period "4 months", and the button to be pressed when viewing details are shown. For the store "CCC Café", the usage amount "￥150,000", the deduction rate "95%", the approximate deduction end period "4 months", and the button to be pressed when viewing details are shown. By doing so, for user U who has completed the deduction and has mental and economic leeway, it is possible to encourage the use of the financing service without missing the opportunity.

[0112] Figure 11C is a diagram showing an example of the plan notification information of the financing service. When user U makes a new usage application, it is necessary to confirm the application content, judge whether to approve the application, and then notify the user U of the judgment result by email. When the creation unit 108 creates an email notifying that the application has been approved, if there are other stores or the like where financing is possible for user U, in addition to the notification of application approval, a notification of the applicable plan is also created. As shown in Figure 11C, the email at this time includes, together with the user ID account name, information for notifying that the application has been approved, information for notifying that the usage amount will be deposited into the account, the scheduled deposit date and the usage amount, the name of the contractor and the name of the store, the first deduction date (settlement service transfer date) as the future deduction information, and the button APBU to be pressed when selecting other plans.

[0113] Furthermore, as an example of an applicable plan, for the store "AAA Café", the usage amount "￥450,000", the deduction rate "95%", the estimated deduction end period "4 months", and the button to be pressed when viewing details are shown. For the store "BBB Café", the usage amount "￥200,000", the deduction rate "95%", the estimated deduction end period "4 months", and the button to be pressed when viewing details are shown. For the store "CCC Café", the usage amount "￥150,000", the deduction rate "95%", the estimated deduction end period "4 months", and the button to be pressed when viewing details are shown. By doing so, for user U who has successfully had their application approved and experiences the convenience and immediacy of the financing service, the promotion of the use of the financing service can be effectively achieved.

[0114] Figure 11D is a diagram showing an example of the plan notification information of the financing service. The creation unit 108 creates an email including the plan notification information, for example, when the deduction date and the deduction amount are determined. As shown in Figure 11D, the plan notification information includes, together with the user ID account name, information for notifying that the deduction date and the deduction amount have been determined, the store name, the deduction date, the deduction amount, the remaining deduction amount, the estimated remaining deduction times, and the estimated deduction end month as future deduction information, the button CWABU to be pressed when checking the deduction information, and the button APBU to be pressed when selecting other plans. By doing so, for user U who has successfully received the payment and experiences the convenience and immediacy of the financing service, the promotion of the use of the financing service can be effectively achieved.

[0115] In the above-described embodiment, in the information processing system 100, for example, user store-related information may be prepared that associates the user ID of one or more users with the store ID and the upper limit value of the usage amount of each of a plurality of stores for which the user corresponding to the user ID secures funds using the financing service. When the funds that the user U can procure determined by the determination unit 106 exceed the upper limit value of the usage amount that is determined in advance, the creation unit 108 may create usage amount notification screen information including the upper limit value of the usage amount instead of the funds that the user U can procure. In the above-described embodiment, the user ID of the user U may be associated with one or more merchant information. For example, the user store-related information may be managed by associating the user IDs of one or more users, one or more merchant information for each of the one or more user IDs, and a plurality of store information for each of the one or more merchant information. Also, in the above-described embodiment, the fund procurement system 1 may include a plurality of terminal devices 10, may include a plurality of information processing systems 100, or the functions of the information processing system 100 may be realized by a plurality of devices.

[0116] The effects of this embodiment will be described. (1-1) According to the information processing system 100 according to the embodiment, the information processing system 100 executes a fund procurement service. The information processing system 100 includes a storage unit 110 in which, for the user identification information of one user, the store identification information of a plurality of stores and information indicating the sales amount as the store repayment ability information of the stores stored in association with the store identification information are stored, and a determination unit 108 that determines the amount of funds that can be provided to the user based on the store repayment ability information of the plurality of stores associated with the user identification information.

[0117] By configuring in this way, since the store identification information of a plurality of stores is associated with the user identification information in the information processing system 100, compared with the case where the store identification information of a plurality of stores is not associated with the user identification information, based on the store repayment ability information of each of the plurality of stores, the funds to be provided to the user U can be determined. For example, funds can be provided more effectively than when providing funds based only on the store repayment ability information of one store. That is, by obtaining funds based on the store repayment ability of each of the plurality of stores, the user U can obtain more funds than when obtaining funds only from one store, or, for example, by combining a store that repays a large amount of funds in the long term and a store that repays a small amount of funds in a short period to obtain funds, by devising combinations of obtaining funds from a plurality of stores, more effective fund raising can be implemented compared to the case of obtaining funds based only on the store repayment ability of one store. Therefore, the convenience of the fund raising service that provides funds based on the sales of the settlement service can be improved.

[0118] (1-2) The information processing system 100 further includes a reception unit 104 that receives a fund deposit request from a user. By configuring in this way, since the information processing system 100 can receive a fund deposit request from the user U, it can deposit funds at the timing desired by the user U.

[0119] (1-3) In the information processing system 100, the store repayment ability information includes the amount paid via the settlement service designated by the provider of the fund raising service when the store receives payment from the customers of the store. By configuring in this way, the user U can raise funds by selling, as a claim, the amount of the settlement service to be paid by the implementer of the future fund raising service.

[0120] (1-4) In the information processing system 100, the provider of the financing service implements a cashless payment service including a credit payment service or an electronic payment service, and the provider of the financing service deducts and recovers an amount corresponding to the deduction rate specified by the user from the usage amount of the cashless payment service for which the provided funds are paid to the user. By configuring in this way, since the provider of the financing service can implement the cashless payment service and can deduct and recover an amount corresponding to the deduction rate specified by the user, the provided funds can be surely recovered.

[0121] (1-5) In the information processing system 100, the user can specify the deduction rate from among one or more options presented by the provider of the financing service. By configuring in this way, the provider of the financing service can deduct and recover an amount corresponding to the deduction rate specified by the user from among the one or more options presented.

[0122] (2-1) Also, in the information processing system 100, a certain amount is set in advance as the upper limit amount of the funds that can be raised. By configuring in this way, since the information processing system 100 can provide funds to the user based on the upper limit amount of the funds that can be raised, it is possible to prevent the funds provided to the user U from becoming excessive. Therefore, the convenience of the financing service that provides funds based on the sales of the payment service can be improved.

[0123] (2-2) In the information processing system 100, a certain amount is set in advance as the upper limit amount of the funds that can be raised. By configuring in this way, since the information processing system 100 can raise funds within the range of the upper limit amount set in advance, it is possible to prevent the funds to be raised from becoming excessive.

[0124] (3-1) Further, the information processing system 100 includes a storage unit 110 that stores a plurality of store identification information for one user identification information and a store procurement upper limit amount that is the upper limit amount of funds that each store associated with the store identification information can procure by the fund procurement service provider, and a determination unit 106 that determines a user procurement upper limit amount, which is the upper limit amount of procurement for each user, based on the total amount of the store procurement upper limit amounts of a plurality of stores associated with the user identification information of the user. When the user procurement upper limit amount exceeds a user specified upper limit amount that is set to a certain amount in advance, the determination unit 106 determines the user upper limit amount as the user specified upper limit amount. By configuring in this way, when the user procurement upper limit amount exceeds the user specified upper limit amount that is set to a certain amount in advance, the information processing system 100 can determine the user upper limit amount as the user specified upper limit amount, so that it is possible to prevent the funds provided to the user U from becoming excessive. Therefore, the convenience of the fund procurement service that provides funds based on the usage status of the settlement service can be improved.

[0125] (3-2) In the information processing system 100, a certain store specified upper limit amount is set for the store procurement upper limit amount. By configuring in this way, since a certain store specified upper limit amount is set in advance for the store procurement upper limit amount in the information processing system 100, it is possible to prevent the funds provided to the user U from becoming excessive. Therefore, the convenience of the fund procurement service that provides funds based on the usage status of the settlement service can be improved.

[0126] (3-3) In the information processing system 100, the user specified upper limit amount and the store specified upper limit amount are the same. By configuring in this way, it is possible to prevent the funds provided to the user U from becoming excessive. Therefore, the convenience of the fund procurement service that provides funds based on the usage status of the settlement service can be improved.

[0127] (3-4) In the information processing system 100, the store procurement upper limit amount is determined based on the amount paid via the settlement service designated by the financing service provider when the store receives payment from the store's customers. By configuring in this way, since the information processing system 100 can determine the store procurement upper limit amount, the convenience of the financing service that provides funds based on the usage status of the settlement service can be improved.

[0128] (3-4) In the information processing system 100, if within the range of the user procurement upper limit amount, the user can apply by combining the financing for a plurality of stores, and at the time of applying for financing, the information processing system further includes a derivation unit 109 that derives a combination of the store procurement application amounts for each store associated with the user's user identification information so that the user procurement application amount, which is the user's financing application amount, is maximized.

[0129] (3-5) In the information processing system 100, when the user determines the store procurement application amount for an arbitrary store, the derivation unit 109 updates the user available amount, which is the balance obtained by subtracting the store procurement application amount from the user procurement upper limit amount of the user, and derives a combination of stores for which financing is possible within the range of the updated user available amount and the store procurement application amounts that can be applied for to the stores.

[0130] (4-1) Further, the information processing system 100 includes an unused tab UUT as a first tag selected when performing the application process for the financing service and a used tab UT as a second tag selected when performing the confirmation process for the usage status of the financing service, and includes a creation unit 108 that creates application setting screen information as first application list screen information for inputting application information including at least the user procurement application amount, a communication unit 102 as an output unit that outputs the information created by the creation unit 108, and an acquisition unit 105 that acquires at least information regarding the store procurement upper limit amount and information regarding the usage amount of the cashless service of the store among the information regarding the store corresponding to each of the plurality of store identification information associated with the user identification information. By configuring in this way, the information processing system 100 can display the first tab and the second tab on the first application list screen. Therefore, the user U can be made to select the first tab or the second tab, and when the user U presses the first tab, the user can be made to input the usage amount immediately. Compared with the case where screen transition occurs when the first tab is selected, the operation is more convenient. For this reason, the convenience of the financing service that provides funds based on the usage status of the settlement service can be improved.

[0131] (4-2) In the information processing system 100, the reception unit 104 receives information associated with the second tag selected by the user, and the creation unit 108 includes the first tag and the second tag based on the information associated with the second tag received by the reception unit 104, and creates second application list screen information for allowing the user to confirm information regarding the user's usage history of the financing service, and the output unit outputs the second application list screen information created by the creation unit. By configuring in this way, the information processing system 100 can make the user confirm the fund provision status when the user U presses the second tab on the first application list screen.

[0132] (5-1) Further, the information processing system 100 includes a creation unit 108 that creates application list screen information for making a funding application using a funding system, an output unit that outputs the information created by the creation unit 108, and an acquisition unit 105 that acquires information indicating the sales of settlement services for each store corresponding to each of a plurality of store identification information associated with the user identification information included in the funding request received by the reception unit 104. The storage unit 110 updates the user's available funding amount when the user completes the funding application process for any of the plurality of stores associated with the user identification information. The derivation unit derives, when there is a store for which a new funding application is possible within the range of the updated user's available funding amount among the plurality of stores associated with the user identification information, a combination of the stores for which funding is possible and the store funding application amount that can be applied for the store, and the creation unit 108 creates application completion screen information including a button for the user to end the funding application process and a button for moving to an application screen for receiving a new application, and the output unit outputs the application completion screen information. By configuring in this way, since the information processing system 100 can create application completion screen information including a button for the user to end the funding application process and a button for moving to an application screen for receiving a new application, the user U can continue to make a new application following the end of the funding application process. Therefore, the convenience of the funding service that provides funds based on the usage status of the settlement service can be improved.

[0133] (6-1) Further, the information processing system 100 further includes a communication unit 102 as an output unit that outputs information, and an acquisition unit 105 that acquires information indicating the sales of settlement services for each store corresponding to each of a plurality of store identification information associated with the user identification information. When the creation unit 108 attempts to perform a funding application process with a combination other than the optimal combination of the target store and the funding amount derived by the derivation unit 109, the creation unit 108 creates a message for notifying the user that there is another optimal combination. By configuring in this way, the information processing system 100 can determine whether there is a store that can raise the funds to be procured, and can create a message for notifying the user that there is another optimal combination based on the determination result, so that the convenience of the financing service that provides funds based on the usage status of the payment service can be improved.

[0134] (7-1) Further, the information processing system 100 includes an application tag T01 selected when using the financing service and a history tag T02 selected when displaying the usage history of the financing service, and a creation unit 108 that creates application list screen information for inputting the usage amount of the user who intends to receive the provision of funds, a communication unit 102 as an output unit that outputs the information created by the creation unit 108, and an acquisition unit 105 that acquires information indicating the usage history of the financing service associated with the user identification information. The creation unit 108 creates application history screen information representing the usage history of the financing service acquired by the acquisition unit 105. By configuring in this way, the information processing system 100 can immediately cause the user U who intends to receive the provision of funds to input the usage amount by displaying the application list information on the terminal device 10. Therefore, the convenience of the financing service that provides funds based on the usage status of the payment service can be improved.

[0135] (7-2) In the information processing system 100, the creation unit 108 includes a button AHBU as a first tag selected when displaying the history during the use of the financing service and the history after the use is completed, a button UHBU as a second tag selected when displaying the history during the use of the financing service, and a button FHBU as a third tag selected when displaying the history after the use of the financing service is completed, and creates application history screen information including the history during the use of the financing service and the history after the use is completed. By configuring in this way, the information processing system 100 can cause the terminal device 10 to display an application history screen in a state where the first tag is pressed. Further, on the application history screen, when the user U presses the second tag or the third tag, the history of using the financing service or the history of the end of using the financing service can be displayed.

[0136] (7-3) In the information processing system 100, the creation unit 108 creates the history of being in use and the history of the end of use in different colors. By configuring in this way, the information processing system 100 can cause the terminal device 10 to display the history of being in use and the history of the end of use in different colors. Therefore, the user U can be visually distinguished between the history of being in use and the history of the end of use.

[0137] (7-4) In the information processing system 100, the reception unit 104 receives a history request including the user identification information of the user and the information instructing the display of the history of being in use input by the user pressing the second tag on the application history screen displayed by processing the application history screen information, the acquisition unit 105 acquires the information indicating the history of being in use of the financing service associated with the user identification information included in the history request received by the reception unit 104, and the creation unit 108 creates the application history screen information representing the history of being in use of the financing service acquired by the acquisition unit 105. By configuring in this way, the information processing system 100 can cause the terminal device 10 to display the history of being in use of the financing service on the application history screen when the user U presses the second tag.

[0138] (8-1) Further, the information processing system 100 includes an acquisition unit 105 that acquires the store procurement upper limit amount for each store corresponding to each of a plurality of store identification information associated with user identification information, information indicating the store procurement available amount for each store corresponding to each of the plurality of store identification information acquired by the acquisition unit 105, and a creation unit 108 that creates plan notification information for notifying a subscribable plan including information indicating one or a plurality of store identification information for which financing is possible, and a communication unit 102 as an output unit that outputs the plan notification information created by the creation unit 108. By configuring in this way, since the information processing system 100 can propose a subscribable plan to the user U, the convenience of the financing service that provides funds based on the usage status of the payment service can be improved.

[0139] (8-2) In the information processing system 100, the acquisition unit 105 acquires the store procurement available amount for each store corresponding to each of a plurality of store identification information associated with the user identification information of the user who has terminated the use of the financing service, and the creation unit 108 creates plan notification information for notifying a subscribable plan including information indicating the store procurement available amount for each store corresponding to each of the plurality of store identification information acquired by the acquisition unit 105 and information indicating one or a plurality of stores that can provide funds. By configuring in this way, since the information processing system 100 can propose a subscribable plan to the user U who has terminated the use of the financing service, the convenience when the user wishes to continue receiving the provision of funds can be improved.

[0140] As described above, the embodiments and modifications of the present invention have been described in detail with reference to the drawings. However, the specific configuration is not limited to this embodiment, and design changes and the like within the scope not departing from the gist of the present invention are also included. For example, a computer program for realizing the functions of each of the above-described devices may be recorded on a computer-readable recording medium, and the program recorded on this recording medium may be read into a computer system and executed. Here, the "computer system" may include hardware such as an OS and peripheral devices.

[0141] Further, the "computer-readable recording medium" refers to a writable non-volatile memory such as a flexible disk, a magneto-optical disk, a ROM, a flash memory, etc., a portable medium such as a DVD (Digital Versatile Disc), and a storage device such as a hard disk incorporated in a computer system. Furthermore, the "computer-readable recording medium" also includes a volatile memory (e.g., DRAM (Dynamic Random Access Memory)) inside a computer system that becomes a server or a client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line, which holds the program for a certain period of time.

[0142] Also, the above program may be transmitted from a computer system storing the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the "transmission medium" for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication wire) such as a telephone line. Also, the above program may be for realizing a part of the aforementioned functions. Furthermore, it may be a so-called difference file (difference program) that can realize the aforementioned functions in combination with a program already recorded in a computer system.

Explanation of Signs

[0143] 1... Funding system, 10... Terminal device, 12... Communication unit, 14... Creation unit, 15... Storage unit, 16... Processing unit, 18... Operation unit, 19... Display unit, 20-1 to 20-n... Store terminals, 50... Settlement server, 100... Information processing system, 102... Communication unit, 104... Reception unit, 105... Acquisition unit, 106... Decision unit, 107... Judgment unit, 108... Creation unit, 109... Derivation unit, 110... Storage unit, 111... Processing unit

Claims

1. An information processing system for executing a financing service, a storage unit that stores, for one user identification information, a plurality of store identification information and a store financing upper limit amount that is the upper limit amount of funds that each store associated with the store identification information can finance; a determination unit that determines a user financing upper limit amount, which is the upper limit amount of financing for each user, based on the total amount of the store financing upper limit amounts of a plurality of stores associated with the user identification information of the user; comprising: The determination unit determines the user financing upper limit amount to be the user specified upper limit amount if the user financing upper limit amount exceeds a user specified upper limit amount set in advance. An information processing system.

2. The information processing system according to claim 1, wherein a certain store specified upper limit amount is set for the store financing upper limit amount.

3. The information processing system according to claim 2, wherein the user specified upper limit amount and the store specified upper limit amount are the same amount.

4. The information processing system according to claim 1, further comprising a reception unit that receives a fund deposit request from a user.

5. The provider of the financing service provides a cashless payment service including a credit payment service or an electronic payment service, The provider of the financing service recovers the provided funds by deducting an amount corresponding to a deduction rate specified by the user from the usage amount of the cashless payment service paid to the user. The information processing system according to claim 1.

6. The information processing system according to claim 5, wherein the user can specify the deduction rate from among one or more options presented by the provider of the financing service.

7. The information processing system according to claim 1, wherein the store procurement upper limit amount is determined based on the amount paid via the settlement service designated by the fund procurement service provider when the store receives payment from the customers of the store.

8. If within the range of the user procurement upper limit amount, the user can apply for a combined fund procurement for a plurality of stores. The information processing system The information processing system according to claim 1, further comprising a derivation unit that derives a combination of the store procurement application amounts for each store associated with the user identification information of the user, which maximizes the user procurement application amount, which is the amount of the user's fund procurement application, at the time of applying for fund procurement.

9. When the user determines the store procurement application amount for an arbitrary store, the derivation unit updates the user available amount, which is the balance obtained by subtracting the store procurement application amount from the user procurement upper limit amount of the user, and derives a combination of stores for which fund procurement is possible and the store procurement application amounts that can be applied for for those stores within the range of the updated user available amount. The information processing system according to claim 8.

10. An information processing method executed by an information processing system that executes a fund procurement service, A step of obtaining the store procurement upper limit amounts of a plurality of stores associated with user identification information from a plurality of store identification information for one user identification information and the store procurement upper limit amounts, which are the upper limit amounts of funds that each store associated with the store identification information can procure, of the fund procurement service provider; A step of determining the user procurement upper limit amount, which is the upper limit amount that can be procured for each user, based on the total amount of the store procurement upper limit amounts of the plurality of stores associated with the user identification information of the user; A step of determining the user procurement upper limit amount to the user specified upper limit amount if the user procurement upper limit amount exceeds the user specified upper limit amount set in advance to a certain amount And an information processing method.

11. In a computer of an information processing system that executes a financing service, a step of obtaining the store financing upper limit amounts of a plurality of stores associated with user identification information from a plurality of store identification information for one user identification information and the store financing upper limit amounts, which are the upper limit amounts of funds that each store associated with the store identification information can finance, by the implementer of the financing service; a step of determining a user financing upper limit amount, which is the upper limit amount of financing per user, based on the total amount of the store financing upper limit amounts of the plurality of stores associated with the user identification information of the user; a step of determining the user financing upper limit amount to be the user specified upper limit amount if the user financing upper limit amount exceeds the user specified upper limit amount set in advance to a certain amount A program for causing the above to be executed.

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