Program, information processing method, and information processing system

Abstract

To provide a program, an information processing method, and an information processing system which can prevent user experience from being lowered by determining, in advance, whether or not predetermined settlement means can be used.SOLUTION: The present invention is directed to provision of a program which causes a computer to execute an acquisition step, a determination step, and a display control step. In the acquisition step, data on a claimed amount to be claimed by a transaction is acquired. In the determination step, it is determined based on an available amount of predetermined settlement means and the claimed amount whether or not the settlement means can be used. In the display control step, the result of the determination is displayed.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] Patent Document 1 discloses an information processing system in which a wallet server provisionally settles the payment amount for the transaction object using a first payment method, which is a credit payment available to a user seeking payment for the transaction object, and then allocates part or all of the payment amount provisionally settled using the first payment method to a second payment method different from the first payment method based on the balance of a debit account associated with the first payment method or the available amount for the first payment method and the usage history of the first payment method, and actually settles part or all of the payment amount provisionally settled using the first payment method using the allocated second payment method. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2017-156860 Summary of the Invention [Problem to be solved by the invention]

[0004] When paying by credit card, authorization is first performed, and if there are no problems, the payment process is carried out. However, if the card's available balance exceeds the billing amount, for example, the authorization is not approved and the payment fails. In this case, the buyer has to go through the trouble of selecting a different card, and the seller has to pay an additional authorization fee. Even with payment methods other than credit cards, payment failures can degrade the user experience.

[0005] In view of the above circumstances, the present invention provides a program, an information processing method, an information processing system, etc. that can prevent a degradation of the user experience by determining in advance whether a specified payment method can be used. [Means for solving the problem]

[0006] According to one aspect of the present invention, there is provided a program. The program is configured to cause a computer to execute an acquisition step, a determination step, and a display control step. In the acquisition step, data on the amount charged for the transaction is acquired. In the determination step, whether or not a payment method can be used is determined based on the available balance for the specified payment method and the amount charged. In the display control step, the result of the determination is controlled to be displayed.

[0007] According to this aspect, by determining in advance whether a predetermined payment method can be used, it is possible to prevent a deterioration in the user experience. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a configuration diagram illustrating an information processing system 100. [Figure 2] FIG. 2 is a block diagram showing the hardware configuration of an information processing device 200. [Figure 3] FIG. 2 is a block diagram showing the hardware configuration of the terminal 300. [Figure 4] FIG. 2 is a block diagram showing functions realized by an information processing device 200 (control unit 210). [Figure 5] 1 is an activity diagram showing the flow of an information processing method (1) executed by an information processing device 200. FIG. [Figure 6] FIG. 10 is a diagram showing a completion screen for the registration procedure for the bill payment agency service. [Figure 7] 10 is an activity diagram showing the flow of an information processing method (2) executed by the information processing device 200. FIG. [Figure 8] FIG. 10 is a diagram showing an example of a card selection screen in activity A230. [Figure 9] FIG. 10 is a diagram showing an example of a display of a determination result in activity A300. DETAILED DESCRIPTION OF THE INVENTION

[0009] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below with reference to the accompanying drawings. Various features shown in the following embodiments can be combined with each other.

[0010] Incidentally, the program for realizing the software appearing in one embodiment may be provided as a non-transitory computer-readable medium, or may be provided so that it can be downloaded from an external server, or may be provided so that the program is started on an external computer and its functions are realized on a client terminal (so-called cloud computing).

[0011] Furthermore, various information processing according to an embodiment may realize input and output corresponding to the input. Here, the form of information referenced in such information processing (hereinafter referred to as reference information) is not limited as long as an output is obtained as a result of the input. The reference information may be, for example, rule-based information such as a database, a lookup table, or a predetermined function (including a decision formula such as a regression formula constructed using a statistical method), a trained model that has previously trained the correlation between input and output, or a large-scale language model that can output a desired result by inputting a prompt.

[0012] In one embodiment, a "unit" may include, for example, a combination of hardware resources implemented by a circuit in the broad sense and software information processing that can be specifically realized by these hardware resources. In one embodiment, various information is handled, and this information is represented, for example, by physical values ​​of signal values ​​representing voltage and current, high and low signal values ​​as a binary bit set consisting of 0 or 1, or quantum superposition (so-called quantum bits), and communication and calculations can be performed on a circuit in the broad sense.

[0013] Furthermore, a circuit in a broad sense is a circuit realized by at least an appropriate combination of a circuit, circuitry, a processor, a memory, etc. That is, it includes an application specific integrated circuit (ASIC), a programmable logic device (e.g., a simple programmable logic device (SPLD), a complex programmable logic device (CPLD), and a field programmable gate array (FPGA)), etc.

[0014] 1. Hardware Configuration In Section 1, the hardware configuration of this embodiment will be described.

[0015] 1-1. Information Processing System 100 FIG. 1 is a configuration diagram showing an information processing system 100. The information processing system 100 includes an information processing device 200 and a terminal 300, which are connected via a network. These components will be further described. Here, a system exemplified as the information processing system 100 is composed of one or more devices or components. Therefore, for example, even the information processing device 200 alone can become a system exemplified as the information processing system 100.

[0016] 1-2. Information processing device 200 2 is a block diagram showing the hardware configuration of information processing device 200. Information processing device 200 has a control unit 210, a storage unit 220, and a communication unit 250, and these components are electrically connected via a communication bus 260 inside information processing device 200. Information processing device 200 may be, for example, a server. Each component will be further described.

[0017] The control unit 210 processes and controls the overall operations related to the information processing device 200. The control unit 210 is, for example, a central processing unit (CPU) not shown. The control unit 210 realizes various functions related to the information processing device 200 by reading out predetermined programs stored in the storage unit 220. In other words, information processing by software stored in the storage unit 220 is specifically realized by the control unit 210, which is an example of hardware, and can be executed as each functional unit included in the control unit 210. This will be further explained in Section 2. Note that the control unit 210 is not limited to being a single unit, and multiple control units 210 may be provided for each function. A combination of these may also be used.

[0018] The storage unit 220 stores various information necessary for information processing by the information processing device 200. This may be implemented, for example, as a storage device such as a solid state drive (SSD) that stores various programs related to the information processing device 200 executed by the control unit 210, or as a memory such as a random access memory (RAM) that stores information (arguments, arrays, etc.) temporarily required for program calculations. Alternatively, it may be implemented as a combination of these.

[0019] The communication unit 250 is preferably a wired communication means such as USB, IEEE1394, Thunderbolt (registered trademark), wired LAN network communication, etc., but may also include wireless LAN network communication, mobile communication such as 5G / LTE / 3G, Bluetooth (registered trademark) communication, etc. as necessary. In other words, it is more preferable to implement it as a collection of multiple communication means. In other words, the information processing device 200 communicates various information with the terminal 300 via the communication unit 250 over a network.

[0020] 1-3. Terminal 300 3 is a block diagram showing the hardware configuration of terminal 300. Terminal 300 has a control unit 310, a storage unit 320, a display unit 330, an input unit 340, and a communication unit 350, and these components are electrically connected inside terminal 300 via a communication bus 360. Terminal 300 may be, for example, a desktop personal computer, a laptop computer, a tablet terminal, a smartphone, etc. Descriptions of control unit 310, storage unit 320, and communication unit 350 are omitted because they are substantially the same as the descriptions of control unit 210, storage unit 220, and communication unit 250 in information processing device 200.

[0021] The display unit 330 may be included in the housing of the terminal 300 or may be externally attached. The display unit 330 displays a screen of a graphical user interface (GUI) that can be operated by the user. This is preferably implemented by selectively using display devices such as a CRT display, a liquid crystal display, an organic EL display, and a plasma display depending on the type of terminal 300. In the following description, the display unit 330 is assumed to be included in the housing of the terminal 300.

[0022] The input unit 340 may be included in the housing of the terminal 300 or may be externally attached. For example, the input unit 340 may be implemented as a touch panel integrated with the display unit 330. A touch panel allows a user to input tapping, swiping, and the like. Of course, a switch button, a mouse, a QWERT keyboard, or the like may be used instead of a touch panel. That is, the input unit 340 accepts an operation input made by the user. The input is transferred as a command signal to the control unit 310 via the communication bus 360. The control unit 310 can then execute predetermined control and calculation as necessary.

[0023] 2. Functional configuration The functional configuration of this embodiment will be described in Section 2. As described above, information processing by software stored in the storage unit 220 is specifically realized by the control unit 210, which is an example of hardware, and can be executed as each functional unit included in the control unit 210.

[0024] 4 is a block diagram showing functions realized by the information processing device 200 (control unit 210). As described above, the information processing device 200 (information processing system 100) includes the control unit 210. Specifically, the information processing device 200 (control unit 210) is configured to execute each step of the program of this embodiment. The information processing device 200 (control unit 210) includes an acquisition unit 211, a determination unit 212, a display control unit 213, and a reception unit 214, corresponding to each step of the program of this embodiment. Here, the program of this embodiment is configured to cause a computer such as the information processing device 200 to execute an acquisition step, a determination step, a display control step, and a reception step.

[0025] The acquisition unit 211 is configured to acquire various information. The acquisition unit 211 is configured to execute an acquisition step. For example, the acquisition unit 211 acquires data on the amount to be charged for the transaction from the terminal 300.

[0026] The determination unit 212 is configured to determine various information. The determination unit 212 is configured to execute a determination step. For example, the determination unit 212 determines whether a predetermined payment method can be used based on the available balance of the payment method and the acquired billing amount. Here, the predetermined payment method may be the payment method selected at the time of payment, multiple payment methods, a single preset payment method, etc.

[0027] The display control unit 213 is configured to control various pieces of display information. The display control unit 213 is configured to execute a display control step. For example, the display control unit 213 controls the display of the determination result.

[0028] The reception unit 214 is configured to receive various types of information. The reception unit 214 is configured to execute a reception step. For example, the reception unit 214 is configured to be able to receive an application for a bill payment agency service from the terminal 300. Here, the bill payment agency service is a service that places an intermediary between a buyer who wishes to make a cashless payment and a seller, and acts as an agent to make an advance payment to the seller and receive the payment amount. Bill payment agency services are provided under the names BPSP (Business Payment Solution Provider), BPAP (Business Payment Aggregator Program), and BBPS (Business Payment Service).

[0029] 3. Information Processing Method (1) In Section 3, we will explain the flow of the information processing method (1) of the information processing device 200. This information processing method (1) is executed when registering a payment method in the information processing device 200. In this embodiment, we will explain using a credit card as an example of the payment method.

[0030] 5 is an activity diagram showing the flow of information processing method (1) executed by information processing device 200. The following will explain each activity in this activity diagram. Here, information processing device 200 plays the role of an intermediary in the bill payment agency service.

[0031] First, the control unit 310 in the terminal 300 sends registration information for the bill payment agency service to the information processing device 200 (activity A110). The registration information for the bill payment agency service includes information about credit card A (card number, expiration date, name, etc.). In activity A110, for example, the following two-stage information processing is executed: (1) The input unit 340 accepts input of registration information for the bill payment agency service. (2) The control unit 310 sends the registration information for the bill payment agency service to the information processing device 200 via the communication unit 350.

[0032] Next, the control unit 210 in the information processing device 200 receives registration information for the bill payment agency service from the terminal 300 (activity A120). In other words, the reception step is configured to be able to accept application of the bill payment agency service. In activity A120, for example, the following two-stage information processing is executed: (1) The communication unit 250 receives registration information for the bill payment agency service from the terminal 300. (2) The control unit 210 stores the received registration information for the bill payment agency service in the storage unit 220. Activity A120 allows the processing of this embodiment to be applied regardless of the payment method used by the seller.

[0033] Next, the control unit 210 in the information processing device 200 registers credit card A with the bill payment agency service (activity A130). In activity A130, for example, the following three stages of information processing are executed: (1) The control unit 210 reads registration information for the bill payment agency service from the storage unit 220. (2) The control unit 210 executes registration processing and registers credit card A with the bill payment agency service. (3) The control unit 210 stores information that credit card A has been registered with the bill payment agency service in the storage unit 220.

[0034] Next, the control unit 310 in the terminal 300 transmits the login information (ID / PASSWORD) for credit card A to the information processing device 200 (activity A140). In activity A140, for example, the following two-stage information processing is executed: (1) The input unit 340 accepts input of the login information for credit card A. (2) The control unit 310 transmits the login information for credit card A to the information processing device 200 via the communication unit 350.

[0035] Next, the control unit 210 in the information processing device 200 receives login information for credit card A from the terminal 300 (activity A150). In activity A150, for example, the following two-stage information processing is executed: (1) The communication unit 250 receives login information for credit card A from the terminal 300. (2) The control unit 210 stores the login information for credit card A in the memory unit 220.

[0036] Next, the control unit 210 in the information processing device 200 performs account aggregation using the login information for credit card A to obtain information on the available credit limit, available balance, and usage amount for credit card A (activity A160). In other words, in the acquisition step, the available balance is obtained through account aggregation. In activity A160, for example, the following three-stage information processing is performed: (1) The control unit 210 reads out the login information for credit card A from the storage unit 220. (2) The control unit 210 performs account aggregation to obtain information on the available credit limit, available balance, and usage amount for credit card A. (3) The control unit 210 stores the obtained information on the available credit limit, available balance, and usage amount for credit card A in the storage unit 220. According to an aspect of activity A160, it is possible to automatically obtain information about the payment method that can be confirmed by the user.

[0037] Next, the control unit 210 in the information processing device 200 transmits information on the available credit limit, available balance, and usage amount of credit card A to the terminal 300 (activity A170). In activity A170, for example, the following two-stage information processing is executed: (1) The control unit 210 reads out information on the available credit limit, available balance, and usage amount of credit card A from the storage unit 220. (2) The control unit 210 transmits information on the available credit limit, available balance, and usage amount of credit card A to the terminal 300 via the communication unit 250.

[0038] Next, the control unit 310 in the terminal 300 receives information on the available credit limit, available balance, and usage amount of credit card A from the information processing device 200 (activity A180). In activity A180, for example, the following two-stage information processing is executed: (1) The communication unit 350 receives information on the available credit limit, available balance, and usage amount of credit card A from the information processing device 200. (2) The control unit 310 stores the received information on the available credit limit, available balance, and usage amount of credit card A in the memory unit 320.

[0039] Next, the control unit 310 in the terminal 300 causes the display unit 330 to display information on the available credit limit, available balance, and amount used of credit card A (activity A190). In activity A190, for example, the following two-stage information processing is executed: (1) The control unit 310 reads information on the available credit limit, available balance, and amount used of credit card A from the storage unit 320. (2) The control unit 310 executes a display process and causes the display unit 330 to display information on the available credit limit, available balance, and amount used of credit card A.

[0040] Figure 6 is a diagram showing the completion screen for the registration procedure for the bill payment agency service. Display unit 330 displays that credit card A has been registered with the bill payment agency service. Display unit 330 also displays the card information for credit card A at the time of registration. Here, it is assumed that the time of registration was 2:30 PM on February 3, 2024. Therefore, display unit 330 displays credit card A's available credit limit, usage amount, and available balance for February 2024.

[0041] 4. Information Processing Method (2) In Section 4, the flow of the information processing method (2) of the information processing device 200 described above will be explained. This information processing method (2) comprises the steps of the program of this embodiment. This information processing method (2) comprises an acquisition step, a determination step, and a display control step. In the acquisition step, data on the billing amount to be charged for the transaction is acquired. In the determination step, it is determined whether or not the specified payment method can be used based on the available balance for the payment method and the acquired billing amount. In the display control step, control is performed to display the result of the determination.

[0042] FIG. 7 is an activity diagram showing the flow of information processing method (2) executed by information processing device 200. The following explanation will follow each activity in this activity diagram. In FIG. 7, it is assumed that a transaction with a seller has been concluded and invoice data has been sent to a user who is the buyer. It is assumed that this user has registered a credit card with the above-mentioned invoice payment agency service. Therefore, in this embodiment, the predetermined payment method is selected from the registered credit cards.

[0043] First, the control unit 310 in the terminal 300 transmits invoice data (hereinafter also referred to as "invoice data") indicating the amount to be charged for the transaction to the information processing device 200 (activity A210). In activity A210, for example, the following two-stage information processing is executed: (1) The control unit 310 reads out the invoice data from the storage unit 320. (2) The control unit 310 transmits the invoice data to the information processing device 200 via the communication unit 350.

[0044] Next, the control unit 210 in the information processing device 200 receives the bill data from the information processing device 200 (activity A220). In other words, in the acquisition step, data on the bill amount to be charged for the transaction is acquired. In activity A220, for example, the following three stages of information processing are executed: (1) The communication unit 250 receives the bill data from the information processing device 200. (2) The control unit 210 stores the received bill data in the memory unit 220. (3) The control unit 210 transmits selection information to the terminal 300 via the communication unit 250, prompting the terminal 300 to select a credit card to be used for payment.

[0045] Next, the control unit 310 in the terminal 300 selects the credit card to be used for payment (activity A230). In activity A230, for example, the following four stages of information processing are executed: (1) The communication unit 350 receives selection information from the information processing device 200. (2) The control unit 310 reads information related to the card selection screen from the storage unit 320. (3) The control unit 310 executes display processing and causes the card selection screen to be displayed on the display unit 330. (4) The control unit 310 accepts input of the selected credit card from the input unit 340. (5) The control unit 310 stores information related to the type of selected credit card in the storage unit 320.

[0046] 8 is a diagram showing an example of a card selection screen for activity A230. Display unit 330 displays the types of cards registered with the bill payment agency service. Display unit 330 also displays the available credit limit, the amount used, and the available balance as the selected card information (here, information about credit card A). When the update button is tapped, the latest card information is displayed on display unit 330.

[0047] The card information update process involves the following five stages of information processing: (1) The control unit 310 in the terminal 300 transmits a request signal to the information processing device 200 via the communication unit 350, requesting an update of the card information. (2) The control unit 210 in the information processing device 200 performs account aggregation and acquires the latest card information. (3) The control unit 210 in the information processing device 200 transmits the latest card information to the terminal 300 via the communication unit 250. (4) The communication unit 350 in the terminal 300 receives the latest card information. (5) The control unit 310 in the terminal 300 displays the latest card information on the display unit 330. In other words, in the acquisition step, when a payment method is selected, the available balance of the selected payment method is acquired. According to this aspect, it is possible to determine whether or not payment is possible based on the latest information.

[0048] Next, the control unit 310 in the terminal 300 transmits information related to the selected credit card type to the information processing device 200 (activity A240). In activity A240, for example, the following two-stage information processing is executed: (1) The control unit 310 reads out information related to the selected credit card type from the storage unit 320. (2) The control unit 310 transmits the information related to the selected credit card type to the information processing device 200 via the communication unit 350.

[0049] Next, the control unit 210 in the information processing device 200 receives information related to the selected type of credit card from the terminal 300 (activity A250). In activity A250, for example, the following two-stage information processing is executed: (1) The communication unit 250 receives information related to the selected type of credit card from the terminal 300. (2) The control unit 210 stores the information related to the selected type of credit card in the storage unit 220.

[0050] Next, the control unit 210 in the information processing device 200 determines whether the selected credit card can be used (activity A260). In other words, in the determination step, it determines whether the payment method can be used based on the available balance of the specified payment method and the billed amount. In activity A260, for example, the following four-stage information processing is executed: (1) The control unit 210 reads information related to the type of selected credit card from the storage unit 220. (2) The control unit 210 reads the available balance of the selected credit card, credit card A, and the billed amount in the bill data from the storage unit 220. (3) The control unit 210 executes a determination process to determine whether credit card A can be used. (4) The control unit 210 stores the determination result of whether the credit card can be used in the storage unit 220.

[0051] Next, the control unit 210 in the information processing device 200 converts the usability determination result into display information (activity A270). In activity A270, for example, the following three-stage information processing is executed: (1) The control unit 210 reads out the determination result from the storage unit 220. (2) The control unit 210 executes a conversion process to convert the usability determination result into display information to be displayed on the display screen. (3) The control unit 210 stores the display information in the storage unit 220.

[0052] Next, the control unit 210 in the information processing device 200 transmits the display information to the terminal 300 (activity A280). If activities A270 to A280 are rephrased as steps, the display control step controls to display the determination result. In activity A280, for example, the following two-stage information processing is executed: (1) The control unit 210 reads the display information from the storage unit 220. (2) The control unit 210 transmits the display information to the terminal 300 via the communication unit 250.

[0053] Next, the control unit 310 in the terminal 300 receives the display information from the information processing device 200 (activity A290). In activity A290, for example, the following two-stage information processing is executed: (1) The communication unit 350 receives the display information from the information processing device 200. (2) The control unit 310 stores the display information in the storage unit 320.

[0054] Next, the control unit 310 in the terminal 300 causes the display unit 330 to display the determination result (activity A300). In activity A300, for example, the following two-stage information processing is executed: (1) The control unit 310 reads display information from the storage unit 320. (2) The control unit 310 causes the display unit 330 to display the determination result as to whether or not credit card A can be used.

[0055] FIG. 9 is a diagram showing an example of the display of the determination result in activity A300. The display unit 330 displays the determination result "△." The determination result "△" is displayed when the planned payment amount (billing amount) exceeds the available balance of the selected card. On the other hand, if the planned payment amount is equal to or less than the available balance of the selected card, the determination result "◯" is displayed. Furthermore, when the determination result is "△," the display unit 330 displays the option of "Proceed to payment screen," which allows the payment process to proceed as is, and the option of alternative means to substitute for the payment process with credit card A. Here, the alternative means are "Use another card" and "Use multiple cards." If an alternative means is selected, the card to be used is selected and the process proceeds to the payment screen.

[0056] This embodiment allows buyers to be notified in advance whether a payment method is acceptable or not. This saves buyers the trouble of selecting another payment method, reducing the number of times it takes to complete a payment. It also prevents sellers from incurring additional authorization fees, reducing transaction costs. Furthermore, the simplified configuration allows the saved resources to be used for other core functions.

[0057] In this embodiment, the payment method is described as a credit card. According to this aspect, it is possible to notify in advance whether or not a payment can be made with a credit card before the authorization decision is made when the credit card is used for payment. Therefore, it is possible to reduce the authorization fee incurred when the authorization decision is unsuccessful.

[0058] Although the embodiment of the present invention has been described above, the present invention is not limited to this and can be modified as appropriate within the scope of the technical idea of ​​the invention.

[0059] 5. Variations In Section 5, a modification of this embodiment will be described.

[0060] The control unit 210 performs write processing (storage processing) and read processing of various data and information to the memory unit 220, but this is not limited to this, and for example, the information processing of each activity may be performed using a register or cache memory within the control unit 210.

[0061] The predetermined payment method is not limited to a payment method registered with the bill payment agency service, but may be any payment method registered with the information processing device 200.

[0062] This embodiment can be used for online transactions in general. That is, it can be applied in situations where the bill amount is known before payment. Therefore, the payment method in this embodiment is not limited to credit cards, and can also be, for example, electronic money, prepaid cards, virtual currency, etc.

[0063] In online transactions, for example, the system may be configured to obtain the available balance of the payment method set when the desired product is selected on an EC (electronic commerce) site (the payment method previously used for payment is set). In this case, a warning screen may be displayed in a pop-up screen only if the billing amount exceeds the available balance as a result of the determination of the payment method, and a message recommending the use of another payment method may be displayed. This configuration improves payment convenience by allowing the user to pay with the same payment method for repeated payments and select a different payment method only when the available balance is insufficient.

[0064] In the obtaining step, if the available balance for a given payment method cannot be obtained directly, the available balance may be determined by subtracting the usage amount for that payment method from the available credit limit for that payment method. That is, for example, if, as a result of performing account aggregation, the available credit limit and usage amount for a payment method can be obtained but the available balance cannot be obtained, the control unit 210 in the information processing device 200 may calculate the available amount using the obtained information. This aspect allows for expanded application to various payment methods for which the available balance cannot be obtained.

[0065] The timing of obtaining the available balance of a payment method is not limited to when the payment method is registered in the information processing device 200 or when the payment method is selected, but may be any timing. The available balance of a payment method may be obtained periodically (e.g., once a day or once an hour) for each registered payment method. In this case, icons of selectable payment methods may be displayed, and a "○" or "△" may be displayed as a result of determining whether each payment method can be used for the billing amount. According to this embodiment, an available payment method can be selected from a list of payment methods, thereby avoiding the hassle of having to reselect a payment method due to insufficient available balance.

[0066] 6.Other It may be provided in the following manner.

[0067] (1) A program configured to cause a computer to execute an acquisition step, a determination step, and a display control step, wherein the acquisition step acquires data on the amount charged for a transaction, the determination step determines whether a specified payment method can be used based on the available amount for the payment method and the amount charged, and the display control step controls the display of the result of the determination.

[0068] According to this aspect, it is possible to notify the buyer in advance whether a payment can be made using a specific payment method. This saves the buyer the trouble of selecting another payment method, reducing the number of times it takes to complete the payment, and it prevents the seller from incurring additional authorization fees, thereby reducing transaction costs. Furthermore, because of the simple configuration, the saved resources can be used for other core functions.

[0069] (2) In the program according to (1) above, the obtaining step obtains the available amount through account aggregation.

[0070] According to this aspect, it is possible to automatically obtain information about the payment method that can be confirmed by the user.

[0071] (3) In the program according to (1) or (2) above, the obtaining step obtains the available amount when the payment method is selected.

[0072] According to this aspect, it is possible to determine whether or not payment is possible based on the latest information.

[0073] (4) In the program described in any one of (1) to (3) above, if the available amount cannot be directly obtained in the acquisition step, the available amount is obtained by subtracting the amount used by the payment method from the available limit of the payment method.

[0074] According to this embodiment, it is possible to expand the application to various payment methods that do not allow acquisition of available balance.

[0075] (5) The program according to any one of (1) to (4) above, wherein the payment method is a credit card.

[0076] According to this aspect, it is possible to notify in advance whether or not payment can be made with the card before the authorization decision is made when making a payment with the credit card.

[0077] (6) A program according to any one of (1) to (5) above, further configured to cause the computer to execute a reception step, wherein the reception step is configured to be capable of accepting application for a bill payment agency service.

[0078] According to this aspect, the processing of this embodiment can be applied without being restricted by the payment method used by the seller.

[0079] (7) An information processing method comprising the steps of the program described in any one of (1) to (6) above.

[0080] According to this aspect, it is possible to notify the buyer in advance whether a payment can be made using a specific payment method. This saves the buyer the trouble of selecting another payment method, reducing the number of times it takes to complete the payment, and it prevents the seller from incurring additional authorization fees, thereby reducing transaction costs. Furthermore, because of the simple configuration, the saved resources can be used for other core functions.

[0081] (8) An information processing system comprising a control unit, the control unit being configured to execute each step of the program described in any one of (1) to (6) above.

[0082] According to this aspect, it is possible to notify the buyer in advance whether a payment can be made using a specific payment method. This saves the buyer the trouble of selecting another payment method, reducing the number of times it takes to complete the payment, and it prevents the seller from incurring additional authorization fees, thereby reducing transaction costs. Furthermore, because of the simple configuration, the saved resources can be used for other core functions. Of course, this is not the case. [Explanation of symbols]

[0083] 100: Information Processing Systems 200: Information processing device 210: Control unit 211: Acquisition Department 212: Judgment section 213: Display control unit 214: Reception 220: Storage section 250: Communications Department 260: Communication bus 300: Terminal 310: Control unit 320: Storage section 330: Display section 340: Input section 350: Communications Department 360: Communication bus

Claims

1. A program, The method is configured to cause a computer to execute an acquisition step, a determination step, and a display control step, In the acquiring step, data on the amount to be charged for the transaction is acquired, In the determining step, it is determined whether or not the payment method can be used based on the available credit of the payment method and the billed amount; In the display control step, a control is performed to display the result of the determination. program.

2. 2. The program according to claim 1, In the obtaining step, the available amount is obtained by account aggregation. program.

3. 2. The program according to claim 1, In the obtaining step, the available amount is obtained when the payment method is selected. program.

4. 2. The program according to claim 1, In the obtaining step, if the available amount cannot be obtained directly, the available amount is obtained by subtracting the usage amount of the payment means from the available limit of the payment means. program.

5. 2. The program according to claim 1, The payment method is a credit card. program.

6. 2. The program according to claim 1, The method is further configured to cause the computer to execute a receiving step, The receiving step is configured to be able to receive application for the bill payment agency service. program.

7. An information processing method, comprising: The program comprises the steps of any one of claims 1 to 6. Information processing methods.

8. An information processing system, A control unit is provided, The control unit is configured to execute each step of the program according to any one of claims 1 to 6. Information processing system.

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