Information processing method, program, and information processing device

Abstract

To enhance a degree of freedom for settlement, even once a settlement method has been selected by a user.SOLUTION: An information processing method causes an information processing device to execute: acquiring settlement history information including at least one piece of settlement information of a predetermined user; specifying at least one piece of settlement information from the settlement history information; performing a process to display the amount based on a settlement amount included in the at least one piece of settlement information, as the amount to be lent to the predetermined user; and performing a process to lend the amount determined by the predetermined user.SELECTED DRAWING: Figure 6

Description

[Technical Field]

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

[0002] Traditionally, when choosing a payment method for electronic payments, there were three options: lump-sum payment, installment payment, and revolving payment. There is known a technique for selecting payment methods (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-47495 Summary of the Invention [Problem to be solved by the invention]

[0004] However, in the prior art, once a payment method is selected, it is difficult to change the payment method. For example, once a payment is completed, such as a lump sum payment, the decision In some cases, the user may not be able to make any changes to the transaction.

[0005] Therefore, the present disclosure provides a method for payment that allows users to freely select a payment method even after the user has selected the payment method. To provide an information processing method, a program, and an information processing device that can improve the The purpose is to [Means for solving the problem]

[0006] An information processing method according to an embodiment of the present disclosure includes: an information processing device; acquiring payment history information including payment information; and selecting at least one payment history information from the payment history information. Identifying one settlement information and displaying, as the amount to be lent to the predetermined user, the amount based on the settlement amount included in the at least one settlement information, and performing a process of lending the amount determined by the predetermined user. And performing a process of lending the amount determined by the predetermined user. Execute.

Brief Description of the Drawings

[0007]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Modes for Carrying Out the Invention

[0008] <Compliance with Laws and Regulations> The disclosure described in this specification is implemented while complying with the laws of each country in which the present disclosure is implemented. Also, The disclosure described in this specification is implemented with all changes, substitutions, deformations, modifications, or corrections that can be made by those skilled in the art in order to comply with the laws of each country. And modifications.

[0009] A mode for implementing an information processing method, a program, and an information processing apparatus according to the present disclosure will be described with reference to the drawings. It will be described with reference to the drawings.

[0010] <System Configuration> FIG. 1 discloses the configuration of an information processing system 1 according to an embodiment of the present disclosure. In the information processing system 1, a server 110A, a server 110B, a terminal 120A, a terminal 120B, a terminal 120C, and a server 150 that cooperates with the server 110A are connected via a network 130. For example, by cooperating with the server 150, the server 110A can obtain information related to services (for example, payment services and e-commerce services) provided by the server 150. When it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may each be represented as a server 110. Note that the number of servers 110 connected to the network 130 is not limited. When it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may each be represented as a terminal 120. Note that the number of terminals 120 connected to the network 130 is not limited. The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service is, by way of example and not limitation, a payment service, a financial service, an e-commerce service, or an SNS typified by an instant messaging service. For example, by cooperating with the server 150, the server 110A can obtain information related to services (for example, payment services and e-commerce services) provided by the server 150. It is possible to obtain.

[0011] When it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may each be represented as a server 110. Note that the number of servers 110 connected to the network 130 is not limited. When it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may each be represented as a server 110. Note that the number of servers 110 connected to the network 130 is not limited. When it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may each be represented as a server 110. Note that the number of servers 110 connected to the network 130 is not limited.

[0012] When it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may each be represented as a terminal 120. Note that the number of terminals 120 connected to the network 130 is not limited. When it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may each be represented as a terminal 120. Note that the number of terminals 120 connected to the network 130 is not limited. When it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may each be represented as a terminal 120. Note that the number of terminals 120 connected to the network 130 is not limited.

[0013] The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service is, by way of example and not limitation, a payment service, a financial service, an e-commerce service, or an SNS typified by an instant messaging service. The predetermined service is, by way of example and not limitation, a payment service, a financial service, an e-commerce service, or an SNS typified by an instant messaging service. -commerce service, or an SNS typified by an instant messaging service. including Social Networking Service, content providing services such as music, video, book, etc. For example, the server 150 constructs an e-commerce platform and provides e-commerce services and the like to the terminal 120. The servers 110 and 150 may provide one or more respective services alone, or may provide one or more respective services in plurality. By the servers 110 and 150 providing their respective services to one or more terminals 120, users can use their respective services via the terminal 120.

[0014] If necessary, the terminal used by user X is expressed as terminal 120X, and the information associated with the user in a predetermined service, which is associated with user X or terminal 120X, is expressed as user information X. The user information includes, by way of example and not limitation, information input by the user or given by a predetermined service, such as the user's name, the user's icon image, the user's age, the user's gender, the user's address, the user's hobbies and interests, information associated with the user such as the user's identifier, the balance information of the electronic value (electronic money) associated with the user and credit card information (such as credit card number) associated with the user, etc.

[0015] The network 130 connects two or more servers 110 and 150, or two or more terminals 120. After the terminal 120 connects to the servers 110 and 150, the network 130 provides a connection path so that data can be transmitted and received.

[0016] One or more parts of the network 130 are a wired network or a wireless network ​​​​​​​​This is also possible. The network 130 can be, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (WLAN), a wide area network (WAN), a wireless WAN (WWAN), a metropolitan area network (MAN), a part of the Internet, a part of the public switched telephone network (PSTN), a cellular phone network, ISDNs, wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (registered trademark), satellite communication, etc., or any combination thereof. The network 130 can include one or more networks 130. oc Network), an intranet, an extranet, a virtual private network (Virtual Private Network: VPN), a local area network (Local Area Ne twork: LAN), a wireless LAN (Wireless LAN: WLAN), a wide area network (W ide Area Network: WAN), a wireless WAN (Wireless WAN: WWAN), a metropolitan area network (Metropolitan Area Network: MAN), a part of the Internet, a public switched telephone network (Public Switched Telephone Network: PSTN), a cellular phone network, IS DNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term E volution), CDMA (Code Division Multiple Access), Bluetooth (registered trademark)), satellite communication, etc., or any combination thereof. The network 130 can include one or more networks 130. The servers 110, 150, and the terminal 120 can be any information processing device capable of implementing the processes, functions, or methods described in the present disclosure.

[0017]

[0018] The servers 110, 150, and the terminal 120 can be, by way of example and not limitation, a smartphone, a cellular phone (feature phone), a computer (e.g., a desktop, a laptop, a tablet, etc.), a server device, a media computer platform By way of example and not limitation, a cable, a satellite set-top box, a digital video recorder, etc., a handheld computer device (by way of example and not limitation, a PDA (Personal Digital Assistant), an email client, etc.), a wearable terminal (by way of example and not limitation, a glasses-type device, a watch-type device, etc.), other types of computers, or a communication platform, etc. may be used, and these may be combined. By way of example and not limitation, a cable, a satellite set-top box, a digital video recorder, etc., a handheld computer device (by way of example and not limitation, a PDA (Personal Digital Assistant), an email client, etc.), a wearable terminal (by way of example and not limitation, a glasses-type device, a watch-type device, etc.), other types of computers, or a communication platform, etc. may be used, and these may be combined. By way of example and not limitation, a cable, a satellite set-top box, a digital video recorder, etc., a handheld computer device (by way of example and not limitation, a PDA (Personal Digital Assistant), an email client, etc.), a wearable terminal (by way of example and not limitation, a glasses-type device, a watch-type device, etc.), other types of computers, or a communication platform, etc. may be used, and these may be combined. By way of example and not limitation, a cable, a satellite set-top box, a digital video recorder, etc., a handheld computer device (by way of example and not limitation, a PDA (Personal Digital Assistant), an email client, etc.), a wearable terminal (by way of example and not limitation, a glasses-type device, a watch-type device, etc.), other types of computers, or a communication platform, etc. may be used, and these may be combined. By way of example and not limitation, a cable, a satellite set-top box, a digital video recorder, etc., a handheld computer device (by way of example and not limitation, a PDA (Personal Digital Assistant), an email client, etc.), a wearable terminal (by way of example and not limitation, a glasses-type device, a watch-type device, etc.), other types of computers, or a communication platform, etc. may be used, and these may be combined.

[0019] <Hardware Configuration of Each Information Processing Device> (1) Hardware Configuration of Server The hardware configuration of server 110 included in information processing system 1 will be described with reference to FIG. 1. will be described with reference to FIG. 1.

[0020] Server 110 includes a processor 111, a memory 112, a storage 113, an input / output interface (input / output I / F) 114, an input device 115, an output device 116, and a transceiver unit 117. Each component of the hardware of server 110 is interconnected via a bus B by way of example and not limitation. Server 110 includes a processor 111, a memory 112, a storage 113, an input / output interface (input / output I / F) 114, an input device 115, an output device 116, and a transceiver unit 117. Each component of the hardware of server 110 is interconnected via a bus B by way of example and not limitation. Server 110 includes a processor 111, a memory 112, a storage 113, an input / output interface (input / output I / F) 114, an input device 115, an output device 116, and a transceiver unit 117. Each component of the hardware of server 110 is interconnected via a bus B by way of example and not limitation. Server 110 includes a processor 111, a memory 112, a storage 113, an input / output interface (input / output I / F) 114, an input device 115, an output device 116, and a transceiver unit 117. Each component of the hardware of server 110 is interconnected via a bus B by way of example and not limitation.

[0021] Server 110 realizes the processes, functions, or methods described in the present disclosure through the cooperation of the processor 111, the memory 112, the storage 113, the input / output I / F 114, and the transceiver unit 117. Server 110 realizes the processes, functions, or methods described in the present disclosure through the cooperation of the processor 111, the memory 112, the storage 113, the input / output I / F 114, and the transceiver unit 117. Server 110 realizes the processes, functions, or methods described in the present disclosure through the cooperation of the processor 111, the memory 112, the storage 113, the input / output I / F 114, and the transceiver unit 117.

[0022] Processor 111 executes the processes, functions, or methods realized by the code included in the program stored in storage 113 or by the instructions. Processor 111 is, by way of example and not limitation, one or more central processing units (CPUs), MPU (Micro Processor Processor 111 executes the processes, functions, or methods realized by the code included in the program stored in storage 113 or by the instructions. Processor 111 is, by way of example and not limitation, one or more central processing units (CPUs), MPU (Micro Processor Processor 111 executes the processes, functions, or methods realized by the code included in the program stored in storage 113 or by the instructions. Processor 111 is, by way of example and not limitation, one or more central processing units (CPUs), MPU (Micro Processor NG Unit), GPU (Graphics Processing Unit), microprocessor, processor core, multiprocessor, AS IC (Application-Specific Integrated Circuit), FPGA (Field Programmable Ga te Array), etc., and may be implemented by a logic circuit (hardware) or a dedicated circuit formed on an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Sc ale Integration)), etc. Each process, function, or method disclosed in each embodiment may be realized. Also, these circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. Also, LSI may be referred to as VLSI, Super LSI, Ultra LSI, etc. depending on the difference in integration density. The memory 112 temporarily stores the program 1121 loaded from the storage 113 and provides a working area for the processor 111. Various data generated while the processor 11 1 executes the program are also temporarily stored in the memory 112. The memory 112 may be, by way of example and not limitation, RAM (Random Access Memory), ROM (Read Only Memory), etc., and these may be combined. The storage 113 stores programs and various data. The storage 113 may be, by way of example and not limitation, HDD (

[0023] Hard Disk Drive), SSD (Solid State Drive), flash memory, etc. The memory 112 temporarily stores the program 1121 loaded from the storage 113 and provides a working area for the processor 111. Various data generated while the processor 11 1 executes the program are also temporarily stored in the memory 112. The memory 112 may be, by way of example and not limitation, RAM (Random Access Memory), ROM (Read Only Memory), etc., and these may be combined. The storage 113 stores programs and various data. The storage 113 may be, by way of example and not limitation, HDD ( Hard Disk Drive), SSD (Solid State Drive), flash memory, etc. Hard Disk Drive), SSD (Solid State Drive), flash memory, etc. These may be combined.

[0024] The input / output I / F 114 is connected to an input device 115 that inputs various operations to the server 110 and an output device 116 that outputs the processing results processed by the server 110. and an output device 116 that outputs the processing results processed by the server 110.

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

[0026] The output device 116 is any one of all types of devices that can output the processing results processed by the processor 111 via the input / output I / F 114, or is realized by a combination thereof. When outputting the processing results as a video or a moving image, the output device 116 is realized by any one of all types of devices that can display the display data according to the display data written in the frame buffer or a combination thereof. The output device 116 is realized by any one of all types of devices that can display the display data according to the display data written in the frame buffer or a combination thereof. When outputting the processing results as a video or a moving image, the output device 116 is realized by any one of all types of devices that can display the display data according to the display data written in the frame buffer or a combination thereof. The output device 116 is, by way of example and not limitation, a touch panel, a touch display, a monitor (by way of example and not limitation, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head-mounted display (HMD), a projection mapping, a hologram, in the air, etc. (it may be in a vacuum) for images, text information, etc. mapping, a hologram, in the air, etc. (it may be in a vacuum) for images, text information, etc. mapping, a hologram, in the air, etc. (it may be in a vacuum) for images, text information, etc. It may be a possible device, a speaker (audio output), a printer, etc., and these may be combined together. In addition, these output devices may be able to display display data in 3D .

[0027] Note that the input device 115 and the output device 116 may be integrated, or the input device 115 and the output device 116 may be separated.

[0028] The transmission / reception unit 117 transmits and receives various data via the network 130. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as mutual communication can be executed. The transmission / reception unit 117 has a function of communicating with other information processing devices via the network 130. The transmission / reception unit 117 transmits various data to other information processing devices according to instructions from the processor 111. Also, the transmission / reception unit 1 17 receives various data transmitted from other information processing devices and transmits them to the processor 111. Note that since the server 150 has the same devices as the server 110, the description thereof is omitted .

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

[0030] The terminal 120 includes a processor 121, a memory 122, a storage 123, an input / output I / F 124, an input device 125, an output device 126, a transmission / reception unit 127, and a reading unit 128 . Each component of the hardware of the terminal 120 is interconnected via a bus B by way of example, not limitation.

[0031] ​​ The terminal 120 realizes the processes, functions, or methods described in the present disclosure in cooperation with a processor 121, a memory 122, a storage 123, an input / output I / F 124, an input device 125, an output device 126, a transceiver 127, and a reader 128 The processor 121 executes the processes, functions, or methods realized by codes or

[0032] instructions included in a program stored in the storage 123. The processor 121 includes, by way of non-limiting example, a central processing unit (CPU), a micro processing unit (MPU), a G raphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), etc., and may realize each of the processes, functions, or methods disclosed in the embodiments by a logic circuit (hardware) formed in an integrated circuit (IC (Integrated Circuit) chip, large scale integration (LSI), etc.) or a dedicated circuit. Further, these circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. Further, depending on the degree of integration, LSI may also be referred to as very large scale integration (VLSI), super LSI, ultra LSI, etc. The memory 122 temporarily stores the program 1221 loaded from the storage 123.

[0033] ​​​​​​​​​​Then, a working area is provided for the processor 121. In the memory 122, various data generated while the processor 12 1 executes the program 1221 are also temporarily stored . The memory 122 may be, by way of non-limiting example, a RAM (Random Access Memory), a ROM (Re ad Only Memory), etc., or a combination thereof.

[0034] The storage 123 stores programs and various data. The storage 123 may be, by way of non-limiting example, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, etc., or a combination thereof.

[0035] The input / output I / F 124 is connected to an input device 125 that inputs various operations to the terminal 120, and an output device 126 that outputs the processing results processed by the terminal 120.

[0036] The input device 125 receives an input from the user and can be realized by any one of all types of devices that can transmit information related to the input to the processor 121, or a combination thereof. The input device may be, by way of non-limiting example, a touch panel, a touch display, a keyboard hardware keys such as a board, a pointing device such as a mouse, a camera (operation input via an image) , a microphone (operation input by voice), etc., or a combination thereof.

[0037] The output device 126 can be realized by any one of all types of devices that can output the processing results processed by the processor 121, or a combination thereof. The processing results ​​​When outputting as an image or a moving image, the output device can be realized by any one or a combination of all types of devices that can display the display data according to the display data written in the frame buffer. The output device can be realized by any one or a combination of all types of devices that can display the display data according to the display data written in the frame buffer. As a non-limiting example, the output device may be a touch panel, a touch display, a monitor (as a non-limiting example, a liquid crystal display, an OELD ( Organic Electroluminescence Display), etc.), a head-mounted display (HMD : Head Mounted Display), projection mapping, a hologram, a device that can display image, text information, etc. in the air ( even in the air), a speaker (for audio output), a printer, etc., or a combination thereof. Note that these output devices may also be able to display the display data in 3D.

[0038] Note that the input device 125 and the output device 126 may be integrated, or the input device 125 and the output device 126 may be separated.

[0039] The transceiver unit 127 transmits and receives various data via the network 130. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as mutual communication can be executed. The transceiver unit 127 has a function of communicating with other information processing devices via the network 130. The transceiver unit 127 transmits various data to other information processing devices according to instructions from the processor 121. Also, the transceiver unit 1 27 receives various data transmitted from other information processing devices and transmits them to the processor 121.

[0040] (3) Others Cloud computing composed of one or more information processing apparatuses may implement at least a part of the processing, functions, or methods in Server 110, 1 50 or Terminal 120. It may be.

[0041] Other information processing apparatuses may implement at least a part of the processing, functions, or methods in Server 110, 150 or Terminal 120. In this case, at least a part of the processing implemented by the processor of other information processing apparatuses may be implemented by at least a part of the processing implemented by Processor 111 or Processor 121.

[0042] The program for executing the processing of each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium can store the program in a "non-transitory tangible medium". The program may be, by way of example and not limitation, a software program, a computer program, or the like.

[0043] The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (by way of example and not limitation, a field-programmable gate array (FPGA), an application-specific integrated circuit (ASIC), etc.), a hard disk drive (HDD), a hybrid hard drive (HHD), an optical disk, an optical disk drive (ODD), a magneto-optical disk, a magneto-optical drive, a floppy disk, a floppy disk drive (FDD), a magnetic tape, a solid state drive (SSD), a RAM drive, a secure digital card or drive, any other suitable storage medium, etc., or a combination thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile. Okay.

[0044] In addition, the program of the present disclosure may be provided to the servers 110 and 150 or the terminal 120 via any transmission medium (such as a communication network work or a broadcast wave) capable of transmitting the program. That's fine too.

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

[0046] Note that the program of the present disclosure may be implemented using, by way of example and not limitation, scripting languages such as JavaScript (registered trademark) and Python, C language, Go language, Swift (registered trademark), Kotlin (registered trademark), J ava (registered trademark), and the like.

[0047] <Others> Unless otherwise explicitly stated, the determination configuration in the embodiments of the present disclosure is not essential, and a predetermined process may be operated when the determination condition is satisfied, or a predetermined process may be performed when the determination condition is not satisfied.

[0048] The present disclosure encompasses all changes, substitutions, variations, modifications, or amendments that can be made by those skilled in the art to the present disclosure. Also, the appended claims encompass all changes, substitutions, variations, modifications, or amendments that can be made by those skilled in the art to the claims. Furthermore, the present disclosure encompasses any combination of one or more features of the embodiments or examples in the present disclosure and one or more features of other embodiments or examples in the present disclosure that can be made by those skilled in the art.

[0049] In addition, it is adapted, arranged, and capable of performing a specific process, function, or method. A device or system having, configured with, capable of being used, operable, or operable References in the accompanying claims to a system or device or system component are , the device, system, or component is so adapted, arranged, or capable of To the extent that it is configured, enabled, made operable, or operative, A device, system, component or specific function thereof is activated, turned on, or includes any device, system or component thereof, whether locked or unlocked. .

[0050] This disclosure does not, unless expressly stated, preclude the use of any particular embodiment or example. Consent from the user may be obtained before or immediately before the implementation. , it may be comprehensive or acquired on an ad hoc basis.

[0051] <Embodiment> In an embodiment, for example, by selecting at least one payment from the payment history, If you change to a different payment method (installment payment, fixed payment, etc.) from the payment method you selected at the time (lump sum payment, etc.), In the embodiment, in a settlement that has been cleared, By lending the amount below, users can experience pseudo fixed payment, installment payment, etc. are possible embodiments.

[0052] In this embodiment, even if a payment method is selected by a user once, the payment method may be changed depending on the situation. This allows for greater flexibility in payments. In addition, in settlements that have already been settled, the amount of the loan that is less than the settlement amount can be used to This can increase the user's freedom in settlement without delaying the payment to the seller. It is possible.

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

[0054] The processes, functions, or methods that can be configured to be executed by the processor 111 may be realized by machine learning or AI (Artificial Intelligence) within the achievable range. It is also good.

[0055] The input / output I / F 114 receives various setting operations, etc. from the input device 115 or the output device 116 and from the operators who operate various services provided by the server 110.

[0056] The transceiver 117 transmits and receives data to and from the terminal 120, etc. according to the instructions of the processor 111. Note that when the user of the terminal 120, etc. is authenticated by the user ID and password included in the login request from the terminal 120, etc., the transceiver 117 connects a communication session using HTTPS, etc. with the terminal 120, etc. Then, the communication address and user ID, etc. of the terminal 120, etc. are memorized in association with the ID of the connected communication session. And data is transmitted to the terminal 120, etc. using the connected communication session.

[0057] In the embodiment, the memory 112 stores a program 1121, user information 1122, an account Deposit information 1123, payment information 1124, transaction information 1125, payment control module 112 6, lending process module 1127, transaction control module 1128 and data structure, or store those subsets. Note that the information stored in the memory 112 may be stored in other storage devices (e.g., storage 113).

[0058] As described above, the program 1121 is a program loaded from the storage 113 and includes instructions related to the processing in the embodiment. Also, the program 112 1 may include instructions for executing processing to provide an e-commerce service and / or a payment service to the user.

[0059] User information 1122 includes information of users registered in a payment service that performs electronic payments. The user information 1122 may be shared with the operator providing the e-commerce platform.

[0060] FIG. 2 shows an example of the user information 1122 according to the embodiment. In the user information, information related to each member user created by the payment operator who operates and manages the payment service is managed. The "User ID" includes user identification information (User ID: Identifier) for the server 110 to uniquely identify the user. The "email address" includes the email address registered by the user. The "name" includes the name of the user. The "occupation" includes the occupation registered by the user. Also, in addition to the above example, the user information may include annual income, address, date of birth, presence or absence of a driver's license, and if there is a driver's license, the driver's license number, etc.

[0061] ​​​​​ FIG. 3 shows an example of the account information 1123 according to the embodiment. The account information includes information regarding each user's account created by, for example, a settlement operator. The settlement operator may be, for example, a person who operates and manages an e-commerce trading platform. The "user ID" includes user identification information for the server 110 to uniquely identify the user. The "password" includes a password for user authentication. The "balance" includes the balance of the electronic money (or electronic value) of the account held by the user. Electronic money is, for example, cash converted into data and is a monetary value that can be used for settlement.

[0062] In the example shown in FIG. 3, the balance includes a charge amount, sales amount (sales revenue), point 1, point 2, etc. This is just an example and is not limited to these. The charge amount indicates, for example, the amount of money that the user has deposited from their own bank account into the account of the account created by the settlement operator. The sales amount indicates, for example, the revenue obtained by the user by listing and selling products on the linked e-commerce trading platform. Point 1 is, for example, the points obtained by the user by converting the sales amount and indicates the points used in the linked e-commerce trading platform. Point 2 is, for example, the points given by others such as the settlement operator and indicates the points used in the linked e-commerce trading platform.

[0063] The charge amount is when the user inputs the information of their own bank account within the application provided by the settlement operator, associates the user ID with the bank account, It is possible to charge any amount to the account balance. The charging amount can be made not only through a bank account but also at convenience stores and other places. In the following, if the identity verification based on the law regarding the prevention of transfer of proceeds due to crime is completed, it will be denoted as "after identity verification", and if the identity verification is not completed, it will be denoted as "before identity verification".

[0064] Point 1 is a paid point obtained by converting sales amount for the user to conduct transactions on the e-commerce platform before connecting to the bank. Point 1 may have an expiration date, for example, 6 months. After connecting to the bank, since it is possible to withdraw from the sales amount, there is no need to newly convert and hold Point 1. Therefore, Point 1 held before connecting to the bank gradually decreases with use. Note that connecting to the bank means the state where the user's account is associated with the bank account the user holds.

[0065] Point 2 is a free point distributed or granted as a privilege by the payment service provider etc. Point 2 may have an expiration date, and the expiration date of Point 2 may be set shorter than that of Point 1.

[0066] The loan amount represents, for example, the amount of money the user borrowed based on a loan contract from the payment service provider etc. The money borrowed is generally legal tender, but may also include points, virtual assets, etc.

[0067] Settlement information 1124 includes information regarding settlements such as payments that have been completed (cleared) or payments in progress such as deferred payments for goods etc. at stores or on the e-commerce platform. Also, the settlement ​ The settlement information 1124 may include only those for which the settlement has been completed, and transactions in progress may be managed as separate data.

[0068] FIG. 4 shows an example of the settlement information 1124 according to the embodiment. The settlement information may be any information related to the settlement. For example, the settlement information is information generated by the settlement terminal when the user purchases a product and transmitted to the server 110. The "settlement ID" includes identification information (settlement ID) for identifying the settlement. The "date and time" includes the date and time when the electronic settlement was completed. The electronic settlement may include, for example, settlement using a two-dimensional code, credit card settlement, etc. The "store ID" includes store information (also referred to as store ID) of the store where the electronic settlement was made. Note that the store ID may be the ID of the POS terminal if there are multiple POS terminals in the store. The "payment amount" includes the payment amount when the electronic settlement was made. The "settlement method" includes information on the settlement method used for the settlement. The settlement method may be, for example, lump sum payment, deferred payment after the next month, fixed amount deferred payment with settlement in the next month or later, convenience store payment, credit payment, balance payment, bonus payment, or any one of them. Also, multiple settlement methods may be selected for one settlement. The "status" includes information indicating "completed" if the settlement (clearing) has been completed, and information indicating "uncompleted" if the settlement has not been completed. Note that the settlement information may include debit information, remittance information, clearing information, etc.

[0069] The server 110 is connected to the e-commerce service provided by the e-commerce platform. When carried, the transaction information 1125 includes transaction information related to the buying and selling of goods on the e-commerce platform. It includes transaction information related to the buying and selling of goods on the e-commerce platform.

[0070] Figure 5 shows an example of the transaction information 1125 according to the embodiment. The "seller ID" includes the user ID of the seller. The "product name" includes the name of the product. The "description" includes the description of the product. The "amount" includes the selling price of the product. Note that the "product name", "description", and "amount" are included in the product listing information, and the listing information may include other information. The "listing time" includes the time when the product was listed. The " status" includes the status of the transaction in the e-commerce transaction. The status may include "in transaction" indicating that the transaction is currently in progress, "negotiating" indicating that it is negotiating with the user who is the buyer, "completed" indicating that the sale has been completed, etc. The "purchaser ID" includes the user ID of the user who purchased the product. The "payment method" includes the payment method used by the purchaser for product purchase. Returning to Figure 1, the payment control module 1126 stored in the memory 112, when executed by the processor 1 11, executes payment processing when each user purchases products at each franchise store and payment processing when purchasing products on the e-commerce platform. For example, the payment processing in the store is managed by the payment information shown in Figure 4, and the payment processing on the e-commerce platform is managed by the transaction information shown in Figure 5.

[0071] Returning to Figure 1, the lending processing module 1127 stored in the memory 112 executes a process of lending a predetermined amount to the user based on a lending contract in response to a request from the user. For example, the payment processing in the store is managed by the payment information shown in Figure 4, and the payment processing on the e-commerce platform is managed by the transaction information shown in Figure 5. The payment processing in the store is managed by the payment information shown in Figure 4, and the payment processing on the e-commerce platform is managed by the transaction information shown in Figure 5.

[0072] Also, the lending processing module 1127 stored in the memory 112 executes a process of lending a predetermined amount to the user based on a lending contract in response to a request from the user. For example, Then, the lending process module 1127 executes processes such as acquisition processing of information necessary for lending, screening processing, and lending processing. Note that at least a part of the acquisition processing of information necessary for lending, screening processing, and lending processing may be executed on a server of another operator (for example, server 150).

[0073] Also, when an e-commerce platform is provided by a settlement operator, the transaction control module 1128 stored in the memory 112 is executed by the processor 1111 to control buying and selling transactions on the e-commerce platform. For example, the transaction control module 1128 controls user registration, listing processing, buying and selling transaction processing, evaluation processing, electronic value management processing, etc. on the e-commerce platform. Note that the transaction control module 1128 may be provided on a server of another operator (for example, server 150).

[0074] Hereinafter, a process in which a user can experience installment payment or fixed-amount payment by lending a predetermined amount even after settlement (clearing) is completed by batch settlement or the like for a settlement method specified when a product is purchased at a store or on an e-commerce platform will be described.

[0075] The settlement control module 1126 acquires settlement history information including one or more settlement information of a predetermined user in response to an acquisition request for the settlement history from the predetermined user. For example, the settlement control module 1126 may include an acquisition unit that acquires the settlement history information of the predetermined user from the transmission / reception unit 117 or the memory 112. As a specific example, the settlement control module 1126 filters the settlement information (see, for example, FIG. 4) stored in the memory 112 by the predetermined user. Ring and obtain settlement history information including the settlement information of one or more predetermined users.

[0076] When the settlement control module 1126 obtains the settlement history information of a predetermined user, it transmits the settlement history information to the terminal 120 used by the predetermined user via the transceiver 1 17. At this time, The predetermined user operates using the terminal 120. For example, assume that at least one piece of settlement information is selected from the settlement history information displayed on the screen and a loan is requested. In this case, the settlement control module 1126 obtains the loan request

[0077] transmitted by the terminal 120 and the settlement identification information indicating the selected settlement information. When the settlement control module 11 26 obtains the loan request, it uses the settlement identification information to identify at least one piece of settlement information from the settlement history information. For example, the settlement control module 1126 may constitute a specifying unit that specifies the settlement information corresponding to the settlement identification information from the settlement history information. The lending processing module 1127 performs a process of lending a predetermined user an amount (for example, an amount equal to or less than the settlement amount, an amount equal to or less than the lending upper limit amount and equal to or less than the settlement amount, an amount obtained by rounding down the fractional part of the settlement amount, etc.) based on the settlement amount included in at least one piece of settlement information specified by the settlement control module 1126. Note that the lending amount may be determined by the user.

[0078] For example, after the lending processing module 1127 performs a process of displaying an amount based on the settlement amount on the terminal 120 (after proposing to the user), it may be configured such that the user can freely determine the amount. For example, the lending processing module 1127 specifies the user information of the predetermined user from the user information 1122 (see FIG. 2 for example) stored in the memory 112 and lends For example, after the lending processing module 1127 performs a process of displaying an amount based on the settlement amount on the terminal 120 (after proposing to the user), it may be configured such that the user can freely determine the amount. For example, the lending processing module 1127 specifies the user information of the predetermined user from the user information 1122 (see FIG. 2 for example) stored in the memory 112 and lends For example, after the lending processing module 1127 performs a process of displaying an amount based on the settlement amount on the terminal 120 (after proposing to the user), it may be configured such that the user can freely determine the amount. For example, the lending processing module 1127 specifies the user information of the predetermined user from the user information 1122 (see FIG. 2 for example) stored in the memory 112 and lends For example, after the lending processing module 1127 performs a process of displaying an amount based on the settlement amount on the terminal 120 (after proposing to the user), it may be configured such that the user can freely determine the amount. For example, the lending processing module 1127 specifies the user information of the predetermined user from the user information 1122 (see FIG. 2 for example) stored in the memory 112 and lends For example, after the lending processing module 1127 performs a process of displaying an amount based on the settlement amount on the terminal 120 (after proposing to the user), it may be configured such that the user can freely determine the amount. For example, the lending processing module 1127 specifies the user information of the predetermined user from the user information 1122 (see FIG. 2 for example) stored in the memory 112 and lends For example, after the lending processing module 1127 performs a process of displaying an amount based on the settlement amount on the terminal 120 (after proposing to the user), it may be configured such that the user can freely determine the amount. For example, the lending processing module 1127 specifies the user information of the predetermined user from the user information 1122 (see FIG. 2 for example) stored in the memory 112 and lends For example, after the lending processing module 1127 performs a process of displaying an amount based on the settlement amount on the terminal 120 (after proposing to the user), it may be configured such that the user can freely determine the amount. For example, the lending processing module 1127 specifies the user information of the predetermined user from the user information 1122 (see FIG. 2 for example) stored in the memory 112 and lends For example, the lending processing module 1127 specifies the user information of the predetermined user from the user information 1122 (see FIG. 2 for example) stored in the memory 112 and lends Obtain the necessary information. The information necessary for the loan may be preset based on the regulations of the lending business. That's all right.

[0079] Also, when making a loan, the loan processing module 1127 needs to obtain information that needs to be obtained each time (for example, annual income, purpose of use, amount borrowed from other companies, etc.). For both the items of information that need to be obtained, a request for acquisition is sent to the terminal 120. Among the information necessary for the loan, if there is information that is insufficient among the information registered in the user information of a predetermined user, the items of insufficient information are also sent together with the acquisition request. (For example, annual income, purpose of use, amount borrowed from other companies, etc.) When the necessary information is input or set by a predetermined user operating the terminal 120, the loan processing module 1127 obtains the necessary information sent from the terminal 120 via the transmission / reception unit 117. The loan processing module 1127 uses the information necessary for the loan to examine whether the loan is possible. For example, the loan processing module 1127 sends the information necessary for the loan to an institution that examines the user's credit information, such as the CIC (Credit Information Center), which is a designated credit information institution, and asks for the credit information of the predetermined user to be returned. If there is information that is insufficient among the information registered in the user information of a predetermined user, the items of insufficient information are also sent together with the acquisition request. That's all right.

[0080] When the necessary information is input or set by a predetermined user operating the terminal 120, the loan processing module 1127 obtains the necessary information sent from the terminal 120 via the transmission / reception unit 117. The loan processing module 1127 uses the information necessary for the loan to examine whether the loan is possible. For example, the loan processing module 1127 sends the information necessary for the loan to an institution that examines the user's credit information, such as the CIC (Credit Information Center), which is a designated credit information institution, and asks for the credit information of the predetermined user to be returned. The loan processing module 1127 obtains the necessary information sent from the terminal 120 via the transmission / reception unit 117. The loan processing module 1127 uses the information necessary for the loan to examine whether the loan is possible. For example, the loan processing module 1127 examines the credit information of the user. For example, it is sent to an institution that examines the user's credit information, such as the CIC (Credit Information Center), which is a designated credit information institution. Send the information necessary for the loan and ask for the credit information of the predetermined user to be returned.

[0081] If there are no particular problems with the credit information, the loan processing module 1127 determines that the loan is possible and lends the predetermined amount to the predetermined user. Regarding the repayment method, the repayment method sent together with the loan request may be applied. For example, the repayment method may include installment payments or fixed amount payments for the total amount obtained by adding the loan processing fee to the predetermined amount. Also, when the loan amount (predetermined amount) is determined, the loan processing module 1127 associates it with the account information of the predetermined user (see, for example, Figure 3). If there are no particular problems with the credit information, the loan processing module 1127 determines that the loan is possible and lends the predetermined amount to the predetermined user. Regarding the repayment method, the repayment method sent together with the loan request may be applied. For example, the repayment method may include installment payments or fixed amount payments for the total amount obtained by adding the loan processing fee to the predetermined amount. Also, when the loan amount (predetermined amount) is determined, the loan processing module 1127 associates it with the account information of the predetermined user (see, for example, Figure 3). Reference). That's all right.

[0082] By the above process, even if the user selects a payment method once, the payment method can be changed depending on the situation. This allows for greater flexibility in payments. According to the process, even if the payment has been completed (settlement completed), By lending a specified amount to a user, the user can experience installment payments or fixed payments. It becomes possible to do this.

[0083] In addition, a predetermined user can easily select at least one payment from the payment history. This makes it possible to easily receive a loan. For users, there are cases where they need money later after completing electronic payment. In this case, by selecting a specific payment from the payment history, you can You will be able to receive the following amounts:

[0084] The server 110 also provides predetermined services including electronic commerce services or payment services. For example, the program 1121 stored in the memory 112 may be executed. E-commerce or payment services may be provided.

[0085] Through the above process, the business operator provides electronic commerce services or electronic payment services. This will enable the company to develop a money lending business for designated users.

[0086] As mentioned above, the payment history information is used for electronic commerce services or electronic payment services. from a storage device (e.g., memory 112) that stores information about a predetermined service, including From another information processing device (for example, server 150) that executes a service in cooperation with server 110 may also be obtained.

[0087] By the above processing, it becomes possible to easily use the settlement history information regarding the e-commerce service or e-payment service managed by the own device. Also, it becomes possible to obtain and use the settlement history information from other information processing devices that provide the linked services.

[0088] Further, when the commodity information is included in the settlement information, the settlement control module 1126 may include the commodity information in the settlement history information. Also, the settlement control module 1126 may set the settlement information including the commodity information as selectable settlement information.

[0089] Note that when the commodity information is not included in the settlement information, the settlement control module 1126 may prompt the reading of the receipt and / or the registration of the commodity information. For example, when the settlement control module 1126 identifies that there is a settlement of 100,000 yen at AAA Electric from the settlement information, it may propose to the user's terminal 120 to add the commodity information through OCR (Optical Character Reader) processing via receipt photographing or manual input, such as by displaying a pop-up screen.

[0090] Also, when the commodity purchased by e-payment satisfies a predetermined condition regarding commodity registration, the settlement control module 1126 may prompt the user to register the commodity information. Examples of the predetermined condition regarding commodity registration are as follows. · When the commodity is in a category with a high possibility of being listed from the past listing history in the user's e-commerce service · When the commodity is a commodity that has been frequently purchased based on the past purchase situation in the user's e-commerce service In the case of the category · In the case where the product is in a category where transactions are permitted in the e-commerce service · When the product matches the specified category, amount, and purchase store

[0091] Also, the settlement control module 1126 may enable a predetermined user to select settlement information that satisfies predetermined conditions related to lending. The settlement control module 1126 may, for example, enable the selection of settlement information below the upper limit of the lending amount available to the predetermined user. As an example of the predetermined conditions it may include enabling the selection of settlement information below the upper limit of the lending amount available to the predetermined user. For example, when the upper limit of the lending amount is set based on the credit information of the predetermined user, etc., the settlement control module 1126 may not include, or may make it non-selectable, settlement information including a settlement amount above the upper limit of the lending amount in the settlement history information

[0092] Through the above processing, it becomes possible to prevent the system from lending an amount exceeding the repayment ability to a predetermined user, and it becomes possible to provide a sound financial environment for the predetermined user

[0093] Also, as an example of the predetermined conditions, the settlement control module 1126 may enable the selection of settlement information during a predetermined period from the settlement date, settlement information below a predetermined number, or settlement information where the settlement amount is below a predetermined amount For example, the settlement control module 1126 may not include, or may make it non-selectable, settlements more than 3 months ago or settlements of 5 or more, or settlements of 50,000 yen or more in the settlement history information. Note that a plurality of predetermined conditions may be combined. For example, settlement information of less than 50,000 yen settled within 3 months may be included in, or may be made selectable as, the settlement history information

[0094] ​​​​​​​By the above processing, by imposing restrictions on the available settlements for a predetermined user, it becomes possible for the system to prevent lending more than necessary than that to the predetermined user, and it becomes possible to provide a sound financial environment.

[0095] Also, as an example of predetermined conditions, the settlement control module 1126 may include making it possible to select settlement information for goods purchased using an associated e-commerce service. For example, the settlement control module 1126 may not include, or may make non-selectable, settlement information other than the settlement information for goods purchased using the associated e-commerce service in the settlement history information. For example, for settlement information other than the settlement information for goods purchased using the associated e-commerce service, the settlement control module 1126 may not include it in the settlement history information or may make it non-selectable.

[0096] By the above processing, by making it possible to settle for goods purchased by a predetermined user using an e-commerce service, the predetermined user can use the proceeds from selling those goods to repay the amount lent.

[0097] Also, as an example of predetermined conditions, the settlement control module 1126 may include making it possible to select settlement information for goods that can be listed on an e-commerce platform. For example, the settlement control module 1126 may determine whether a good can be listed in the e-commerce service based on the product information included in the settlement information, and for the settlement of goods that cannot be listed, the settlement control module 1126 may not include it in the settlement history information or may make it non-selectable. The determination of whether a good can be listed in the e-commerce service may be made based on the category or amount of the good. For example, based on the product information included in the settlement information, the settlement control module 1126 may determine whether a good can be listed in the e-commerce service, and for the settlement of goods that cannot be listed, the settlement control module 1126 may not include it in the settlement history information or may make it non-selectable.

[0098] By the above processing, for the settlement of goods that can be listed on an e-commerce service for a predetermined user, ​​​​​​​​By making it possible to lend, a predetermined user can list the products that can be listed and use the proceeds to repay the amount borrowed.

[0099] In addition, as an example of a predetermined condition, the settlement control module 1126 may include making it impossible to select a single settlement information more than twice. For example, the settlement control module 1 126 may flag the settlement information for which a lending request has been made, and for settlement information for which lending has been performed once or more, not include it in the settlement history information or make it unselectable.

[0100] Through the above processing, it becomes possible to prevent a situation where the same settlement is lent to a predetermined user multiple times, and it becomes possible to provide a sound financial environment for the predetermined user.

[0101] In addition, as an example of a predetermined condition, the settlement control module 1126 may include obtaining settlement history information including settlement information before settlement completion. In the example described above, not only settlements after settlement completion but also settlements before settlement completion can be targets of settlement change. For example, the settlement control module 1126 may make the settlement information before settlement completion selectable and permit a change in the settlement method. As a specific example, the settlement control module 1126 changes a lump-sum payment before settlement completion to an installment payment. In this case, the lending processing module 1127 does not need to perform lending if it is before settlement completion, and may simply change it to an installment payment.

[0102] Through the above processing, even if a user has selected a settlement method once, it is possible to change the settlement method according to the situation, and the degree of freedom with respect to settlement can be increased. ​​​​​​​​​​​​

[0103] In addition, the settlement control module 1126 transmits settlement history information including settlement information whose settlement method can be changed to the terminal 120 at a predetermined timing, and may propose to the user to display the settlement history. For example, settlement information satisfying a predetermined condition regarding the proposal is included in the settlement history information. Examples of the predetermined condition regarding the proposal are as follows. · A combination of a plurality of settlement information whose total settlement amount is closest to the upper limit amount with the loan upper limit amount as the upper limit. · Settlement information of products in a category in which the user has listed or purchased a predetermined number of times or more on the e-commerce platform. · A predetermined number of settlement information in descending order of settlement amount. The settlement control module 1126 may have a sorting and filtering function. By proposing settlement information with a high possibility of selling the product, it may be possible to make the debit date and the deposit date closer in the future.

[0104] In addition, the lending processing module 1127 may lend a specified amount to a specified user by a specified method. For example, the lending processing module 1127 may set the lending amount to the settlement amount included in the selected settlement information or an amount based on the settlement amount. Also, the lending processing module 1127 may set the amount selected by the user up to the available lending amount or the settlement amount as the lending amount. For example, when the settlement amount is 10,010 yen, the user may be allowed to select lending amounts such as 10,000 yen, 5,000 yen, 20,000 yen, etc., or the user may be allowed to freely determine the lending amount. Note that the lending processing module 1127 controls so as not to make a new loan when the repayment of one loan is not completed. ​​​​​​​​​​​​It may also be possible.

[0105] In addition, the lending processing module 1127 may set a repayment date and a repayment method for the repayment of the loan amount. For example, as a method for determining the repayment date, there are cases where it is calculated from the date of lending to a predetermined user, and cases where it is calculated from the settlement date included in the selected settlement information. The lending processing module 1127 may allow the user to select the repayment date or set one of them as the default. Also, as repayment methods, there are lump-sum payment, installment payment, fixed-amount payment, etc. The lending processing module 1127 may allow the user to select the repayment method or set one of them as the default. For example, as a method for determining the repayment date, there are cases where it is calculated from the date of lending to a predetermined user, and cases where it is calculated from the settlement date included in the selected settlement information. etc. The lending processing module 1127 may allow the user to select the repayment date or set one of them as the default. In addition, the lending processing module 1127 may allow the user to select the repayment date or set one of them as the default. Also, as repayment methods, there are lump-sum payment, installment payment, fixed-amount payment, etc. The lending processing module 1127 may allow the user to select the repayment method or set one of them as the default. In addition, the lending processing module 1127 may allow the user to select the repayment method or set one of them as the default.

[0106] In the case of fixed-amount repayment, the monthly upper limit amount or the minimum amount may be determined according to the loan amount. Also, in the case of fixed-amount repayment, the lending processing module 1127 may automatically set the repayment amount or allow a predetermined user to select the repayment amount within a predetermined range. In the case of fixed-amount repayment, the monthly upper limit amount or the minimum amount may be determined according to the loan amount. Also, in the case of fixed-amount repayment, the lending processing module 1127 may automatically set the repayment amount or allow a predetermined user to select the repayment amount within a predetermined range.

[0107] In addition, when the settlement control module 1126 satisfies a predetermined condition regarding timing, it may instruct the terminal 120 to execute a display function of settlement history information including settlement information that can be lent. Examples of the predetermined condition regarding timing are as follows. In addition, when the settlement control module 1126 satisfies a predetermined condition regarding timing, it may instruct the terminal 120 to execute a display function of settlement history information including settlement information that can be lent. Examples of the predetermined condition regarding timing are as follows. · When the remaining balance of the user's count is below a predetermined amount · When a settlement of a predetermined amount or more has occurred within a predetermined period The predetermined amount may be determined by the user or based on the user's behavior history. The user's behavior history may include actions related to settlement such as the user's settlement history and financing status. For example, if the average settlement amount in the past month was ¥5,000, but the total settlement amount in a certain month was For example, if the average settlement amount in the past month was ¥5,000, but the total settlement amount in a certain month was If the amount exceeds 50,000 yen, it may be determined that a predetermined condition regarding timing is met.

[0108] In addition, the loan processing module 1127 determines the repayment amount and period for the loan. Simulation information of the completed plan may be transmitted to the terminal 120 of a predetermined user.

[0109] The one or more processors 111 described above may read data from the memory 112 as needed. For example, one or more processors 111 may execute a payment A control module 1126, a loan processing module 1127, and a transaction control module 1128 By executing these, a settlement control unit, a loan processing unit, and a transaction control unit may be configured, respectively.

[0110] (2) Configuration of terminal 120 The terminal 120 includes a processor 121, a memory 122, a storage 123, and an input / output I / F 124, an input device 125, an output device 126, a transmitting / receiving unit 127, and a reading unit 128 and

[0111] The processes, functions, or methods executed by the processor 121 may, to the extent feasible, This may be achieved by machine learning or AI (Artificial Intelligence), etc.

[0112] The input device 125 accepts various operations from the user of the terminal 120 .

[0113] The transmitting / receiving unit 127 transmits and receives data to and from the server 110 etc. in accordance with instructions from the processor 121. For example, when logging in to the server 110, the transmitting / receiving unit 127 10 and establish a communication session using HTTPS etc. Associate with the ID of the session and store the communication address of Server 110 and the like. Then, use the connected communication session to send data to Server 110.

[0114] Processor 121 performs processing to utilize a predetermined service provided by Server 110. Perform.

[0115] In a certain embodiment, Memory 122 stores the following Program 1221, Payment Processing Module 1222, Transaction Processing Module 1223, Display Control Module 1224, and Data Structure , or a subset thereof. Note that the information stored in Memory 122 may be stored in other storage devices (such as Storage 123).

[0116] As described above, Program 1221 is a program loaded from Storage 123 and includes instructions and the like related to each embodiment.

[0117] Payment Processing Module 1222 executes processing related to electronic payment. For example, the payment processing module 1222 encodes the user's information and causes the code to be read by the store terminal, such as a store scan type, or executes a user scan type payment that reads a code including store information. And so on.

[0118] Transaction Processing Module 1223 executes processing for conducting buying and selling transactions of goods in an e-commerce platform. For example, Transaction Processing Module 1223 executes processing for listing goods or purchasing goods on the e-commerce platform. Transaction Processing Module 1223 is not necessarily a necessary module.

[0119] ​​The display control module 1224 controls the output device 126 to display screen data related to the electronic payment service or the e-commerce platform. For example, the display control module 1224 controls the display of a screen for listing products for sale, or controls the display of a screen for purchasing products. Further, the display control module 1224 may control the display of a two-dimensional code including user information on the screen during payment at the store. For example, the display control module 1224 controls the display of a screen for listing products for sale, or controls the display of a screen for purchasing products. Further, the display control module 1224 may control the display of a two-dimensional code including user information on the screen during payment at the store. For example, the display control module 1224 controls the display of a screen for listing products for sale, or controls the display of a screen for purchasing products. Further, the display control module 1224 may control the display of a two-dimensional code including user information on the screen during payment at the store. For example, the display control module 1224 controls the display of a screen for listing products for sale, or controls the display of a screen for purchasing products. Further, the display control module 1224 may control the display of a two-dimensional code including user information on the screen during payment at the store. For example, the display control module 1224 controls the display of a screen for listing products for sale, or controls the display of a screen for purchasing products. Further, the display control module 1224 may control the display of a two-dimensional code including user information on the screen during payment at the store. For example, the display control module 1224 controls the display of a screen for listing products for sale, or controls the display of a screen for purchasing products. Further, the display control module 1224 may control the display of a two-dimensional code including user information on the screen during payment at the store.

[0120] In addition, the display control module 1224 controls the output device 126 to output settlement history information including one or more settlement information of a predetermined user on the screen. For example, when the display control module 1224 receives a proposal to display settlement history information from the server 110, it proposes to the user the display of settlement history information in a pop-up screen or the like. Further, when the display control module 1224 receives a display operation of settlement history information by the user, it outputs the settlement history information to the screen of the output device 126. In addition, the display control module 1224 controls the output device 126 to output settlement history information including one or more settlement information of a predetermined user on the screen. For example, when the display control module 1224 receives a proposal to display settlement history information from the server 110, it proposes to the user the display of settlement history information in a pop-up screen or the like. Further, when the display control module 1224 receives a display operation of settlement history information by the user, it outputs the settlement history information to the screen of the output device 126. In addition, the display control module 1224 controls the output device 126 to output settlement history information including one or more settlement information of a predetermined user on the screen. For example, when the display control module 1224 receives a proposal to display settlement history information from the server 110, it proposes to the user the display of settlement history information in a pop-up screen or the like. Further, when the display control module 1224 receives a display operation of settlement history information by the user, it outputs the settlement history information to the screen of the output device 126. In addition, the display control module 1224 controls the output device 126 to output settlement history information including one or more settlement information of a predetermined user on the screen. For example, when the display control module 1224 receives a proposal to display settlement history information from the server 110, it proposes to the user the display of settlement history information in a pop-up screen or the like. Further, when the display control module 1224 receives a display operation of settlement history information by the user, it outputs the settlement history information to the screen of the output device 126. In addition, the display control module 1224 controls the output device 126 to output settlement history information including one or more settlement information of a predetermined user on the screen. For example, when the display control module 1224 receives a proposal to display settlement history information from the server 110, it proposes to the user the display of settlement history information in a pop-up screen or the like. Further, when the display control module 1224 receives a display operation of settlement history information by the user, it outputs the settlement history information to the screen of the output device 126. In addition, the display control module 1224 controls the output device 126 to output settlement history information including one or more settlement information of a predetermined user on the screen. For example, when the display control module 1224 receives a proposal to display settlement history information from the server 110, it proposes to the user the display of settlement history information in a pop-up screen or the like. Further, when the display control module 1224 receives a display operation of settlement history information by the user, it outputs the settlement history information to the screen of the output device 126.

[0121] In response to an operation of a predetermined user, the payment processing module 1222 selects at least one payment information from the payment history information displayed on the screen. For example, the payment processing module 1222 receives a user operation on the input device 125, and selects the payment information on which the operation has been performed from the payment history information. In response to an operation of a predetermined user, the payment processing module 1222 selects at least one payment information from the payment history information displayed on the screen. For example, the payment processing module 1222 receives a user operation on the input device 125, and selects the payment information on which the operation has been performed from the payment history information. In response to an operation of a predetermined user, the payment processing module 1222 selects at least one payment information from the payment history information displayed on the screen. For example, the payment processing module 1222 receives a user operation on the input device 125, and selects the payment information on which the operation has been performed from the payment history information. In response to an operation of a predetermined user, the payment processing module 1222 selects at least one payment information from the payment history information displayed on the screen. For example, the payment processing module 1222 receives a user operation on the input device 125, and selects the payment information on which the operation has been performed from the payment history information.

[0122] The payment processing module 1222 instructs the display control module 1224 to display on the screen of the output device 126 an amount based on the payment amount included in at least one payment information selected by the user as the amount for receiving a loan. Also, the payment processing module 1222 The payment processing module 1222 instructs the display control module 1224 to display on the screen of the output device 126 an amount based on the payment amount included in at least one payment information selected by the user as the amount for receiving a loan. Also, the payment processing module 1222 The payment processing module 1222 instructs the display control module 1224 to display on the screen of the output device 126 an amount based on the payment amount included in at least one payment information selected by the user as the amount for receiving a loan. Also, the payment processing module 1222 22 requests a loan at an amount determined in response to an operation by a predetermined user from another information processing device ( for example, server 110). For example, the settlement processing module 1222 includes user identification information, identification information indicating at least one selected settlement information, the determined amount, and a loan request, and transmits them to server 110 via the transmission / reception unit 127.

[0123] The settlement processing module 1222 acquires, from another information processing device that has transmitted a loan request, a processing result related to the loan via the transmission / reception unit 127. The display control module 12 24 controls to display the acquired processing result on the screen of the output device 126.

[0124] Through the above processing, the user can easily receive a loan by selecting settlement information from the settlement history information. In addition, the user can similarly experience post-payment such as fixed amount payment and installment payment.

[0125] Note that one or more of the above-described processors 121 reads out and executes each module from the memory 122 as needed. For example, one or more processors 121 may constitute a settlement processing unit, a transaction processing unit, and a display control unit by executing the settlement processing module 1222, the transaction processing module 1223, and the display control module 1224 respectively.

[0126] <Operation Processing of Embodiment> Referring to FIG. 6, the processing of the information processing system 1 according to the embodiment will be described. FIG. 6 shows an example of a sequence of processing of the information processing system 1 according to the embodiment. Note that the processing shown in FIG. 6 is processing showing, for example, a case where a user performs a display operation of the settlement history on the terminal 120. ​​​

[0127] (Step S102) The settlement processing module 1222 of the user's terminal 120 receives a display operation of the settlement history from the user and requests the server 110 to obtain settlement history information.

[0128] (Step S104) When the settlement control module 1126 of the server 110 receives a request for settlement history information, it extracts settlement information regarding the specified user who made the request and obtains settlement history information including the extracted settlement information.

[0129] (Step S106) The settlement control module 1126 of the server 110 transmits the settlement history information to the terminal 120 that requested the settlement history information via the transmission / reception unit 117.

[0130] (Step S108) The display control module 1224 of the user's terminal 120 outputs the obtained settlement history information and displays it on the screen of the output device 126.

[0131] (Step S110) The settlement processing module 1222 of the user's terminal 120 receives a user operation for selecting at least one settlement information from the settlement history information from the input device 125.

[0132] (Step S112) The settlement processing module 1222 of the user's terminal 120 transmits the user's identification information, the identification information of the selected settlement information, and a request for lending processing to the server 110 via the transmission / reception unit 127. At this time, when the user determines a predetermined amount as the lending amount, the determined predetermined amount is also transmitted.

[0133] ​​​​​​​​​ (Step S114) When the lending processing module 1127 of the server 110 receives a request for lending processing , it starts the lending process.

[0134] (Step S116) The lending processing module 1127 of the server 110 requests, for example, information necessary for lending to the terminal 12 0. At this time, as the necessary information, what can be obtained from the user information may be obtained , but in addition to the information required every time of lending (for example, purpose of use, annual income, borrowing from other companies, etc. ), information insufficient from the user information is also requested.

[0135] (Step S118) The settlement processing module 1222 of the terminal 120 obtains the necessary information selected or set by the user and transmits it to the server 110 via the transmission / reception unit 127.

[0136] (Step S120) The lending processing module 1127 of the server 110 executes a review process to determine whether lending can be made to the user who requested the lending . Regarding the review process, for example, the lending processing module 1127 transmits the information of the user scheduled for lending to a third-party institution such as CIC, and obtains the credit information of this user. The lending processing module 1127 uses the credit information obtained from the third-party institution to determine whether lending can be made to the user. For example, if the credit information contains information on a predetermined item such as a credit settlement delay, the lending processing module 1127 determines that lending cannot be made. Note that the lending processing module 1127 of the server 110 may obtain the review result reviewed using the credit information obtained from the third-party institution . ​

[0137] (Step S122) If the loan is approved, the loan processing module 1127 of the server 110 For example, the loan processing module 1127 executes a process of lending the returned Set the due date and repayment method, add the specified amount to the user's account, and process the loan of the specified amount. Execute.

[0138] (Step S124) The loan processing module 1127 of the server 110 transmits the loan approval / disapproval information via the transmitting / receiving unit 117. The processing result including the above is notified to the user's terminal 120.

[0139] (Step S126) The display control module 1224 of the user terminal 120 displays the acquired processing results on the screen. Control the process so that

[0140] <Screen example> Next, an example of a screen displayed on the user's terminal 120 will be described with reference to FIG. 7 is a diagram showing an example of a payment history displayed on the screen of the terminal 120 according to the embodiment. In the example shown, a screen D102 containing a list of payments made by a certain user is displayed based on the payment history information. The payment history will be displayed.

[0141] For example, on screen D102, in the payment history list, there is a payment for which the repayment method can be changed, " At the bottom of this payment column, you will see the message "This payment has been made "You can change to installment payment" will be displayed, and the user can select this payment option. When the user selects this payment method, the screen for loan processing shown in FIG. 8 is displayed.

[0142] FIG. 8 shows an example of screen transition related to lending displayed on the screen of the terminal 120 according to the embodiment. It is a figure. In the screen D202 shown in FIG. 8, the payment information selected by the user is displayed at the upper part, and the repayment amount of the loan when changing to installment payment is displayed in the middle part.

[0143] Also, on the screen D202, a UI button B10 for checking the simulation when installment payment is made according to the set installment method is displayed, and a UI button for changing the installment amount is also displayed. When the user presses the UI button B10, the screen D202 transitions to the screen D 204.

[0144] In the screen D204, a region showing the simulation result is superimposed on the screen D202. Also, the region displayed on the screen D202 may be grayed out for better visibility.

[0145] In the simulation result region of the screen D204, the scheduled repayment month, total repayment amount, total interest, borrowing amount (loan amount), monthly repayment amount, and a UI button B12 of "Check and Next" for proceeding with the borrowing (loan) are displayed. When the user presses the UI button B12, the screen D2 04 transitions to the screen D206.

[0146] It is displayed on the screen D206 that the money is being deposited. For example, through the above-described screen transition, the user can easily change the repayment method for a settlement for which the payment (clearing) has been completed. Also, for a settlement for which the payment has been completed, by lending a predetermined amount and regarding the repayment method as the changed settlement method, it becomes possible to let the user experience pseudo-installment payment or fixed-amount payment.

[0147] Note that the disclosed technology is not limited to the above-described embodiments, and can be implemented in various other forms without departing from the gist of the disclosed technology. For example, each of the above-described processing steps can be arbitrarily changed in order or executed in parallel within a range that does not cause a contradiction in the processing content. For example, in the above-described embodiments, electronic money such as prepaid and postpaid was cited as an example, but it is also applicable to credit cards that represent cash as a digitized numerical value. In the case of a credit card, it is a form of paying later in a lump sum on a predetermined date. However, even for a transaction that has been settled, at least one settlement information can be selected from a settlement statement or the like, and by performing the above-described lending process, it becomes possible to let the user experience fixed installment payments or installment payments. Note that in the above-described embodiments, the loan amount was described as an amount equal to or less than the settlement amount, but it may be an amount equal to or greater than the settlement amount and equal to or less than a predetermined amount. The predetermined amount in this case may be the upper limit of the loan for the user.

[0148] For example, in the above-described embodiments, electronic money such as prepaid and postpaid was cited as an example, but it is also applicable to credit cards that represent cash as a digitized numerical value. In the case of a credit card, it is a form of paying later in a lump sum on a predetermined date. However, even for a transaction that has been settled, at least one settlement information can be selected from a settlement statement or the like, and by performing the above-described lending process, it becomes possible to let the user experience fixed installment payments or installment payments. Note that in the above-described embodiments, the loan amount was described as an amount equal to or less than the settlement amount, but it may be an amount equal to or greater than the settlement amount and equal to or less than a predetermined amount. The predetermined amount in this case may be the upper limit of the loan for the user. For example, in the above-described embodiments, electronic money such as prepaid and postpaid was cited as an example, but it is also applicable to credit cards that represent cash as a digitized numerical value. In the case of a credit card, it is a form of paying later in a lump sum on a predetermined date. However, even for a transaction that has been settled, at least one settlement information can be selected from a settlement statement or the like, and by performing the above-described lending process, it becomes possible to let the user experience fixed installment payments or installment payments. Note that in the above-described embodiments, the loan amount was described as an amount equal to or less than the settlement amount, but it may be an amount equal to or greater than the settlement amount and equal to or less than a predetermined amount. The predetermined amount in this case may be the upper limit of the loan for the user. For example, in the above-described embodiments, electronic money such as prepaid and postpaid was cited as an example, but it is also applicable to credit cards that represent cash as a digitized numerical value. In the case of a credit card, it is a form of paying later in a lump sum on a predetermined date. However, even for a transaction that has been settled, at least one settlement information can be selected from a settlement statement or the like, and by performing the above-described lending process, it becomes possible to let the user experience fixed installment payments or installment payments.

Description of Reference Numerals

[0149] 1... Information processing system, 110... Server, 111... Processor, 112... Memory, 113 ... Storage, 114... Input / output I / F, 115... Input device, 116... Output device, 117... Transmission / reception unit, 120... Terminal, 121... Processor, 122... Memory, 123... Storage, 124... Input / output I / F, 125... Input device, 126... Output device, 127... Transmission / reception unit, 11 26... Settlement control module, 1127... Lending processing module, 1128... Transaction control module ... Rule, 1222... Settlement processing module, 1223... Transaction processing module, 1224... Display Control module

Claims

1. An information processing apparatus obtains settlement history information including settlement information of one or more for a predetermined user, identifies at least one settlement information from the settlement history information, performs a process of displaying an amount based on the settlement amount included in the at least one settlement information as an amount to be lent to the predetermined user, and performs a process of lending the amount determined by the predetermined user. An information processing method.

2. The information processing apparatus further performs providing a predetermined service including an e-commerce service or a settlement service. The information processing method according to claim 1.

3. The settlement history information includes settlement history information obtained from a storage device that stores information related to the predetermined service or from another information processing apparatus that executes a service in cooperation with the information processing apparatus. The information processing method according to claim 2.

4. The identifying includes enabling selection of settlement information equal to or less than an upper limit amount that can be lent to the predetermined user. The information processing method according to any one of claims 1 to 3.

5. The identifying includes enabling selection of settlement information during a predetermined period from the settlement date, settlement information equal to or less than a predetermined number, or settlement information with a settlement amount equal to or less than a predetermined amount. The information processing method according to any one of claims 1 to 4.

6. The identifying includes enabling selection of settlement information for a product purchased using the e-commerce service. The information processing method according to claim 2.

7. The identifying includes enabling selection of settlement information for a product that can be listed in the e-commerce service. The information processing method according to claim 2.

8. The identifying includes disabling selection of one settlement information two or more times. The information processing method according to any one of claims 1 to 7.

9. The obtaining includes obtaining settlement history information including settlement information before completion of settlement. The information processing method according to any one of claims 1 to 8.

10. An information processing apparatus obtains settlement history information including settlement information of one or more for a predetermined user, identifies at least one settlement information from the settlement history information, performs a process of displaying an amount based on the settlement amount included in the at least one settlement information as an amount to be lent to the predetermined user, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ To perform a process of lending the amount determined by the predetermined user Program **Claim 11** An information processing apparatus including one or more processors, wherein the one or more processors acquire settlement history information including one or more settlement information of a predetermined user; specify at least one settlement information from among the settlement history information; perform a process of causing an amount based on the settlement amount included in the at least one settlement information to be displayed as an amount to be lent to the predetermined user; perform a process of lending the amount determined by the predetermined user; and execute the information processing apparatus **Claim 12** On an information processing apparatus, output settlement history information including one or more settlement information of a predetermined user to a screen; select at least one settlement information from among the settlement history information in response to an operation of the predetermined user; output, to the screen, as an amount to receive a loan, an amount based on the settlement amount included in the at least one settlement information; request, to another information processing apparatus, a loan at an amount determined in response to an operation of the predetermined user; obtain a processing result related to the loan from the other information processing apparatus; and execute the program **Claim 13** On an information processing apparatus, output settlement history information including one or more settlement information of a predetermined user to a screen; select at least one settlement information from among the settlement history information in response to an operation of the predetermined user; output, to the screen, as an amount to receive a loan, an amount based on the settlement amount included in the at least one settlement information; request, to another information processing apparatus, a loan at an amount determined in response to an operation of the predetermined user; obtain a processing result related to the loan from the other information processing apparatus; and execute the information processing apparatus

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