Information processing system, information processing method, and program

Abstract

To provide an information processing system that allows users to easily grasp the available amount exceeding the credit limit.SOLUTION: According to one aspect of the present invention, an information processing system including at least one processor is provided. In this information processing system, in an acquisition step, the processor acquires the credit limit of a credit card registered in the user's name, the unsettled amount of the credit card usage that has not yet been debited, and the wallet balance registered in the user's name. In a display control step, the acquired credit limit, unsettled amount, and wallet balance are displayed together with the available amount. The available amount is the amount obtained by subtracting the unsettled amount from the sum of the credit limit and the wallet balance. At the time corresponding to the debit of the credit card, the display of the wallet balance is switched to show the amount obtained by subtracting the confirmed portion of the unsettled amount from the wallet balance.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] Patent Document 1 discloses a technology in which, in non-face-to-face sales such as e-commerce, an institution that manages a purchaser's assets sets a credit limit by setting a deposit on the assets in advance based on the purchaser's request or approval. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2002-24727 Summary of the Invention [Problem to be solved by the invention]

[0004] Some credit cards allow you to spend more than the credit limit, but if you don't know how much you can actually spend, it can be difficult to decide whether or not to pay with a credit card.

[0005] In view of the above circumstances, the present invention provides an information processing system and the like that can easily grasp the available credit amount that exceeds the credit limit. [Means for solving the problem]

[0006] According to one aspect of the present invention, there is provided an information processing system including at least one processor. In this information processing system, the processor acquires the credit limit of a credit card in the user's name, the remaining unsettled amount of credit card usage, and the wallet balance in the user's name in an acquisition step. In a display control step, the acquired credit limit, remaining amount, and wallet balance are displayed together with an available balance. The available balance is the sum of the credit limit and the wallet balance minus the remaining amount. At a timing corresponding to the credit card withdrawal, the display of the wallet balance is switched to a display of the amount obtained by subtracting the confirmed amount of the remaining amount from the wallet balance.

[0007] According to this embodiment, the available amount exceeding the credit limit can be easily grasped. [Brief explanation of the drawings]

[0008] [Figure 1] 1 is a diagram showing an example of the overall configuration of a payment agency service system 1. FIG. [Figure 2] 2 is a diagram illustrating an example of a hardware configuration of a server device 10. FIG. [Figure 3] FIG. 2 is a diagram illustrating an example of a hardware configuration of a user terminal 20. [Figure 4] FIG. 10 is an activity diagram illustrating an example of a usage status display process. [Figure 5] FIG. 10 is a diagram illustrating an example of a login screen. [Figure 6] FIG. 10 is a diagram illustrating an example of a main screen. [Figure 7] FIG. 10 is a diagram showing another example of the main screen. [Figure 8] FIG. 10 is a diagram showing an example of a displayed breakdown image. [Figure 9] FIG. 10 is a diagram showing another example of the main screen. [Figure 10] FIG. 10 is an activity diagram showing an example of a credit check process. [Figure 11] FIG. 10 is a diagram illustrating an example of a credit examination screen. [Figure 12] FIG. 10 is a diagram illustrating an example of an application information input screen. [Figure 13] FIG. 10 is a diagram illustrating an example of an application completion screen. [Figure 14] FIG. 10 is a diagram showing an example of an examination result screen. [Figure 15] FIG. 10 is a diagram showing an example of a wallet balance history displayed using the first display method. [Figure 16] FIG. 10 is a diagram showing an example of a wallet balance history displayed using the second display method. [Figure 17] FIG. 10 is a diagram illustrating an example of a list of usage histories. [Figure 18] FIG. 10 is a diagram showing another example of the main screen. [Figure 19] FIG. 10 is a diagram showing another example of the main screen. [Figure 20] FIG. 10 is a diagram showing an example of a graph of displayed usage history. [Figure 21] FIG. 10 is a diagram showing another example of a credit examination screen. [Figure 22] FIG. 10 is a diagram showing another example of the main screen. [Figure 23] FIG. 10 is a diagram showing another example of the main screen. 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 the broad sense is a circuit realized by at least an appropriate combination of a circuit, circuitry, processor, memory, etc. The processor may be a general-purpose processor or a dedicated circuit. 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] <Embodiment> 1. System Configuration The system configuration according to the embodiment will be described below. Figure 1 is a diagram showing an example of the overall configuration of payment agency service system 1. Figure 1 shows an overview of each device provided in payment agency service system 1 and the users who use those devices. Each overview will be explained as needed, with reference to other figures.

[0015] The payment agency service system 1 is an information processing system that processes information related to payment agency services. A payment agency service is a service that handles payments resulting from the purchase of goods, services, etc. The payment agency service system 1 is managed and operated by a service provider that provides payment agency services.

[0016] Payment agency services include credit card payment services and wallet payment services. Credit card payment services are services that first process payments based on the user's creditworthiness and debit the credit card account registered by the user in advance. Wallet payment services are services that process payments within the amount deposited in a pre-designated wallet account and debit the wallet account. Credit card payment services are what is known as a deferred payment agency service, while wallet payment services are what is known as a pre-payment agency service.

[0017] In the example of Figure 1, the service provider also provides other services to users of the payment agency service. The service provider also provides other services to users, including an accounting management service and an asset management service. The accounting management service is a service that supports users' accounting management. The asset management service is a service that supports users' asset management. In the following example, we will explain a user who uses all of the credit payment service, wallet payment service, accounting management service, and asset management service.

[0018] The payment agency service system 1 comprises a communication line 2, an accounting management server device 3, an asset management server device 4, a server device 10, and a user terminal 20. The communication line 2 is not particularly limited, but may be configured, for example, by the Internet. The communication line 2 may also include a local area network, a mobile communication network, a VPN (Virtual Private Network), etc. The communication line 2 mediates the exchange of data between devices connected to the line. In the example of FIG. 1, the server device 10 is connected to the communication line 2 via a wired connection, and the user terminal 20 is connected wirelessly. Note that the connection of each device to the communication line 2 may be wired or wireless.

[0019] The server device 10 is an information processing device that executes information processing related to the credit payment service, wallet payment service, etc. For example, the server device 10 executes a series of processes, from receiving credit payment information from a member store of the credit payment service, to acting as an agent for the settlement, and debiting the credit account. The server device 10 also executes a series of processes, from receiving wallet payment information from a member store of the wallet payment service, to acting as an agent for the settlement, and debiting the wallet account.

[0020] The server device 10 stores a user information database DB1. The user information database DB1 stores user information about users who use the credit card payment service and the wallet payment service. The user information includes the payment object (goods or services, etc.), the payment store, the payment amount, the payment date and time, the debit amount, the debit date and time, etc.

[0021] The accounting management server device 3 is an information processing device that processes information related to accounting management services. The accounting management server device 3 stores various information related to the user's accounting (financial statements, transaction records, deposit and withdrawal records, etc.). The asset management server device 4 is an information processing device that processes information related to asset management services. The asset management server device 4 stores various information related to the user's assets (asset information, asset maintenance information, asset evaluation information, etc.).

[0022] The user terminal 20 is a terminal for users of services provided by a service provider, and is, for example, a personal computer, a smartphone, or a tablet terminal. The user terminal 20 is an information processing device that executes information processing such as displaying a service usage screen and accepting operations by users. The server device 10 executes a display process for displaying images on the user terminal 20 and an authentication process for authenticating users who use the user terminal 20.

[0023] The server device 10 performs processes such as generating and transmitting an HTML (Hyper Text Markup Language) file as display processing, and causes the user terminal 20 to display a web page showing a system screen using a browser function. Note that the user terminal 20 may install an application program for using the payment agency service system 1, and the server device 10 may perform processes such as generating and transmitting display data in that application as display processing. The server device 10 controls the display of the user terminal 20 by performing these display processes.

[0024] The server device 10 stores authentication information (such as a user ID and password) for authenticating users who use the payment agency service system 1, and authenticates users who input the authentication information. By authenticating users, the server device 10 can restrict access to data and assign identification information to data input by users to make the data identifiable.

[0025] 2. Hardware Configuration The hardware configuration according to the first embodiment will be described below. 2 is a diagram showing an example of the hardware configuration of server device 10. Server device 10 includes a control unit 11, a storage unit 12, a communication unit 13, and a bus 14. Bus 14 electrically connects the various units included in server device 10.

[0026] (Control unit 11) The control unit 11 has at least one processor. The at least one processor may be configured by, for example, a central processing unit (CPU), a micro processing unit (MPU), a graphics processing unit (GPU), one or more integrated circuits, one or more discrete circuits, or a combination thereof (not shown).

[0027] Control unit 11 is a computer that realizes various functions related to payment agency service system 1 by reading out predetermined programs stored in memory unit 12. In other words, information processing by software stored in memory unit 12 is specifically realized by control unit 11, which is an example of hardware, and can be executed as each functional unit included in control unit 11. Note that control unit 11 is not limited to being single, and multiple control units 11 may be provided for each function. A combination of these may also be used.

[0028] (Storage unit 12) Memory unit 12 stores various information defined above. This may be implemented, for example, as a storage device such as a solid state drive (SSD) or hard disk drive (HDD) that stores various programs related to payment agency service system 1 executed by control unit 11, or as a memory such as random access memory (RAM) that stores temporarily required information (arguments, arrays, etc.) related to program calculations. Memory unit 12 stores various programs, variables, etc. related to payment agency service system 1 executed by control unit 11.

[0029] (Communications Department 13) The communication unit 13 is configured by a communication module. The communication module may be a wireless communication module conforming to standards such as IEEE802.11a / b / g / n / ac / ax, LTE, 5G, or 6G, or may be a wired communication module conforming to standards such as IEEE802.3. The communication unit 13 is configured to be able to transmit various electrical signals from the server device 10 to external components. The communication unit 13 is also configured to be able to receive various electrical signals from the external components to the server device 10. More preferably, the communication unit 13 has a network communication function, which allows various information to be communicated between the server device 10 and external devices via the communication line 2.

[0030] 3 is a diagram showing an example of the hardware configuration of the user terminal 20. The user terminal 20 includes a control unit 21, a storage unit 22, a communication unit 23, an input unit 24, an output unit 25, and a bus 26. The bus 26 electrically connects the various units included in the user terminal 20. The control unit 21, the storage unit 22, and the communication unit 23 are similar hardware to the control unit 11, the storage unit 12, and the communication unit 13 shown in FIG. 2, although their specifications, models, etc. may be different.

[0031] (Input unit 24) The input unit 24 has keys, buttons, a touch screen, a mouse, etc., and receives input from the user. The input unit 24 may also have a microphone and have the function of receiving voice input from the user.

[0032] (Output section 25) The output unit 25 has a display, a speaker, etc., and displays visual information generated in a manner that is visible to the user, such as a screen, an image, an icon, or text, on the display surface of the display, and outputs sound including voice.

[0033] 3. Information Processing The information processing according to the embodiment will be described below. In the following description, the server device 10 and the user terminal 20 are described as the subjects of each information processing, but this information processing is executed by at least one processor included in the payment agency service system 1, i.e., the processor included in the control unit of each device. The payment agency service system 1 executes, for example, a usage status display process that displays the user's usage status of the payment agency service.

[0034] 4 is an activity diagram showing an example of the usage status display process. The usage status display process is initiated when a login screen for using payment agency service system 1 is displayed on user terminal 20 and a user registered as a user of payment agency service system 1 performs a login operation.

[0035] Fig. 5 is a diagram showing an example of a login screen. The login screen C1 shown in Fig. 5 displays a character string "Please enter login information for the payment agency service system," an input field D11 for a user ID, an input field D12 for a password, and a login button B11. The user terminal 20 accepts input into the input fields D11 and D12 and an operation on the login button B11 as a login operation, and transmits login data indicating the entered user ID and password to the server device 10 (activity A11).

[0036] The server device 10 authenticates the user based on the transmitted login data (activity A12). Next, the server device 10 acquires information (amount information) regarding three amounts related to the user's payment agency service. The three amount information are the credit limit, wallet balance, and outstanding amount.

[0037] The server device 10 first obtains the user's credit limit (activity A13). The credit limit is the maximum amount that a user can use the credit payment service for a predetermined period (usually each month). The credit limit is determined by a credit examination conducted by the server device 10 or a credit business officer. The determined credit limit is stored in the user information database DB1 by the server device 10 in association with the user. The server device 10 obtains the credit limit stored in association with the authenticated user as the user's credit limit.

[0038] Next, the server device 10 acquires the user's outstanding balance (activity A14). The outstanding balance is the amount (usage amount) paid by the user using the credit payment service that has not yet been deferred payment. The outstanding balance is stored in the user information database DB1 in association with the date and time, and each time payment information is received from the affiliated store and deferred payment for the amount used in the credit payment service is made, the server device 10 stores the latest outstanding balance at that time. The server device 10 acquires the latest outstanding balance stored in association with the authenticated user as the user's outstanding balance. At this time, the server device 10 also acquires the history of past outstanding amounts.

[0039] Next, the server device 10 obtains the user's wallet balance (activity A15). The wallet balance is the amount of money remaining in the user's wallet account. The wallet balance is stored in the user information database DB1 in association with a date and time, and each time a deposit to or withdrawal from a wallet account is made, the server device 10 stores the latest amount at that time. The server device 10 obtains the wallet balance stored in association with the authenticated user as the wallet balance of that user. At this time, the server device 10 also obtains the history of past wallet balances.

[0040] The activities A13, A14, and A15 may be executed in different orders or in parallel.

[0041] Next, the server device 10 calculates the available balance based on the acquired amount information (activity A21). The available balance represents the maximum amount that the user can currently pay using the credit payment service. In a normal credit payment service, the available balance is the credit limit minus the outstanding balance. However, in the payment agency service system 1, the server device 10 calculates the available balance as the amount obtained by adding the wallet balance to the credit limit minus the outstanding balance.

[0042] Next, the server device 10 calculates the user's credit card payment service usage history (activity A22). Based on the amount information acquired as described above, the server device 10 calculates the monthly payment history using the credit card payment service as the usage history. Next, the server device 10 generates a graph of the calculated usage history (activity A23). The usage history graph will be explained in detail later with reference to the figures.

[0043] Next, the server device 10 generates a main screen for the payment agency service using the acquired credit limit, wallet balance, and outstanding amount, the calculated available amount, and the generated graph (activity A24). The server device 10 transmits screen data showing the generated main screen to the user terminal 20. The user terminal 20 displays the main screen shown in the transmitted screen data (activity A25).

[0044] In the payment agency service system 1, the amount used for the credit payment service is debited from the credit account at midnight on the 20th of each month, for example. Below, with reference to Figures 6 and 7, we will explain the main screen before the debit is made from the credit account (March 19th) and the main screen after the debit is made from the credit account (March 20th).

[0045] Fig. 6 is a diagram showing an example of the main screen. The main screen C2 shown in Fig. 6 displays a character string including the current date, "Information about your usage status (March 19th)," a display field D21 for the available balance, a display field D22 for the credit limit, a display field D23 for the wallet balance, a display field D24 for the outstanding amount, a display field D25 for a graph of usage history, a button B21 to change the credit limit, a button B22 to check the wallet balance account, a button B23 to display the monthly balance of the wallet account, and a button B24 to display a list of usage history.

[0046] Display columns D21, D22, D23, D24, and D25 are all rectangular display areas. The server device 10 displays display column D21 at the top of the main screen C2, spanning the entire width, and display column D25, which has the same width, at the bottom. The server device 10 displays display columns D22, D23, and D24 between display columns D21 and D25, each with half the width of the main screen C2. The server device 10 displays display columns D22 and D23 side by side in the left half of the main screen C2, and displays display column D24 in the right half of the main screen C2. The vertical size of display column D24 is the same as the combined vertical size of display columns D22 and D23.

[0047] In the example of FIG. 6, the credit limit is "2,000,000 yen," the wallet balance is "400,000 yen," and the outstanding amount is "200,000 yen." As described above, the server device 10 calculates the available amount based on this amount information. Specifically, the server device 10 calculates the available amount using the formula "credit limit" + "wallet balance" - "unsettled amount" = "available amount." In the example of FIG. 6, the server device 10 calculates the available amount as follows: credit limit (2,000,000 yen) + wallet balance (400,000 yen) - unsettled amount (200,000 yen) = 2,200,000 yen, and displays this in the display field D21.

[0048] In this way, the payment agency service system 1 calculates the available amount by assuming the user's payment ability for the credit payment service to be "2,400,000 yen," which is the sum of the credit limit and the wallet balance. The wallet balance displayed in display field D23 is used to represent the payment ability for the credit payment service, and also represents the amount available for using the wallet payment service (in the example of Figure 6, a wallet payment service of 400,000 yen is available).

[0049] Display field D24 displays the breakdown of the outstanding amount, including the unsettled outstanding amount and the settled outstanding amount. The settled outstanding amount is the amount of the outstanding amount that has been settled and will be debited from the credit account in the current month ("100,000 yen" displayed in association with "February amount (settled)" in the example of FIG. 6). The unsettled outstanding amount is the amount of the outstanding amount other than the settled outstanding amount, that is, the amount that has not been debited from the credit account in the current month ("100,000 yen" displayed in association with "March amount (settled)" in the example of FIG. 6).

[0050] FIG. 7 is a diagram showing another example of the main screen. FIG. 7 shows the main screen C2 immediately after a withdrawal from the credit account (March 20th). In the example of FIG. 7, the confirmed unsettled amount has been withdrawn from the credit account, so it becomes "0 yen," and the total unsettled amount has decreased by "100,000 yen" from the state before the withdrawal, to "100,000 yen." The server device 10 calculates the available balance using the formula explained in the example of FIG. 6.

[0051] 7, the credit limit and wallet balance remain unchanged from before the withdrawal, but the outstanding amount has decreased by 100,000 yen, so the available balance is displayed as "2,300,000 yen," which is an increase of 100,000 yen from before the withdrawal. In this way, when a withdrawal is made from a credit account, the server device 10 adds an amount equal to the amount of the withdrawal to the available balance before the withdrawal, and therefore displays the available balance after the withdrawal as the available balance.

[0052] In the payment agency service system 1, the amount used for the credit payment service is debited from the wallet account on the last day of the month of each month (for example, at midnight on March 31st in March). The changes in the display of the main screen C2 after the debit from the wallet account will be explained in detail later.

[0053] Display field D25 displays a bar graph showing usage history for a specified period of time in the past (12 months in the example of FIG. 6). The bar image for each month of usage represents the amount (usage amount) used for the credit card payment service in that month. Note that in the example of FIG. 6, the usage history in display field D25 does not include amounts paid using the wallet payment service.

[0054] The graph displayed in display field D25 has bar images showing the history of each usage month as images for selecting the usage month. When an operation to select a bar image of one of the usage months in the graph is performed, user terminal 20 accepts this as a selection operation for the usage month and transmits selection data indicating the selected usage month to server device 10 (activity A31). Server device 10 calculates the breakdown of usage amounts for the usage month indicated by the transmitted selection data (activity A32).

[0055] The usage amount of the credit payment service is the total amount settled using the credit payment service in that month of use, and is debited from either or both of the credit account and the wallet account. Of the usage amount, the server device 10 calculates it by breaking down the amount debited from the credit account (hereinafter referred to as the "first amount") and the amount debited from the wallet account (hereinafter referred to as the "second amount").

[0056] Next, the server device 10 generates a breakdown image showing the calculated breakdown and transmits it to the user terminal 20 (activity A33). The user terminal 20 displays the transmitted breakdown image (activity A34).

[0057] Fig. 8 is a diagram showing an example of a displayed breakdown image. On the main screen C2 shown in Fig. 8, breakdown images E21, E22, and E23 are displayed in a display field D25 for the usage history graph. In breakdown image E21, the usage amount is displayed as "Usage amount: 250,000 yen," the first amount is displayed as "Withdrawal account: 100,000 yen" (here, "withdrawal account" means a credit account), and the second amount is displayed as "Wallet: 150,000 yen."

[0058] In addition, in the breakdown image E22, the usage amount is displayed as "Usage amount: 200,000 yen," the first amount is displayed as "Withdrawal account: 0 yen," and the second amount is displayed as "Wallet: 200,000 yen." In this way, even if the breakdown is 0 yen, it is displayed in the breakdown image. In the example of FIG. 8, if the wallet account has an amount equal to or greater than the usage amount, the server device 10 debits the usage amount from the wallet account first. Therefore, as shown in the breakdown image E22, there are cases where the usage amount and the second amount are the same and the first amount is 0 yen.

[0059] Furthermore, breakdown image E23 shows the usage amount for the most recent month as "Total: 150,000 yen." For the most recent month, even though the outstanding amount has been determined, the withdrawal has not yet been made, so it is not yet determined how much will be withdrawn from each of the credit account and wallet account. This is because the balance in the wallet account fluctuates depending on deposits or use of the wallet payment service, and it is not determined until the end of the month whether the full amount of the outstanding amount can be withdrawn from the wallet account. Therefore, server device 10 displays only the usage amount for the month before the full amount of the usage has been withdrawn.

[0060] In the example of Figure 8, the server device 10 simultaneously displays three breakdown images, but when a different breakdown image is displayed, the display of the breakdown image that was being displayed up until then may be terminated and only one breakdown image may be displayed, or the breakdown image for the month of the bar image may be displayed only while the bar image is being pointed at, such as by hovering the mouse over it.

[0061] The credit limit is periodically reviewed based on the usage status of the credit payment service and the status of transactions with other financial institutions. Therefore, some users may have a certain credit limit when they start using the credit payment service, but the credit limit may become zero as they continue to use the service, or the credit payment service may start with a zero credit limit from the beginning. The server device 10 also displays the main screen on the user terminal 20 of such users.

[0062] Fig. 9 is a diagram showing another example of the main screen. In the main screen C2 shown in Fig. 9, the credit limit of "0 yen" is displayed in display field D22. Meanwhile, the wallet balance of "400,000 yen" is displayed in display field D23, and the outstanding amount of "200,000 yen" is displayed in display field D24. In this case, even though the credit limit is 0 yen, the server device 10 calculates the available amount as "credit limit" + "wallet balance" - "unsettled amount," and displays the calculated available amount ("200,000 yen" in the example of Fig. 9) in display field D21.

[0063] In this way, in the payment agency service system 1, a user can use the credit payment service even if the credit limit is 0 yen, but a larger credit limit increases the opportunities to use the credit payment service, so there are cases where the user wants to increase the credit limit. In such cases, the user operates the credit limit change button B21 shown in Figure 6, etc. The credit review process that is performed when the change button B21 is operated will be described with reference to Figure 10 onwards.

[0064] FIG. 10 is an activity diagram showing an example of the credit check process. The credit check process is initiated when the above-mentioned Change button B21 is operated. The user terminal 20 accepts the operation of the Change button B21 as an operation to apply for a credit check, and transmits application data indicating the user's application for a credit check to the server device 10 (activity A41). The server device 10 generates a credit check screen requesting the user to permit collaboration with a system that can collaborate with the payment agency service system 1 (activity A42).

[0065] 10, the services that can be linked with the payment agency service system 1 are the accounting management service and asset management service provided by the service provider of the payment agency service described above. The server device 10 transmits screen data showing the generated credit review screen to the user terminal 20. The user terminal 20 displays the credit review screen shown in the transmitted screen data (activity A43).

[0066] Figure 11 is a diagram showing an example of a credit review screen. The credit review screen C3 shown in Figure 11 displays the text "Linking with other systems will make it easier to pass the credit review," a progress image D31 showing the progress of the procedure, a Start Using the Accounting Management System button B31, a Start Linking with the Accounting Management System button B32, a Start Using the Asset Management System button B33, a Start Linking with the Asset Management System button B34, a Display Terms of Use button B35, a confirmation check box B36, and an Agree button B37.

[0067] The progress image D31 shows four stages of progress: "Linkage with Other Systems," "Application Procedure," "Account Transfer Procedure," and "Credit Limit Granting," and the example in FIG. 11 shows the "Linkage with Other Systems" stage. The payment agency service system 1 can perform a more detailed credit assessment of the user by linking with the systems of other services used by the user and obtaining user information held by those systems. In credit assessment, the less user information there is, the more risk needs to be considered, and the more likely the credit limit is to be kept low. Conversely, the more user information there is, the more accurately risk can be assessed; in other words, unnecessary risks do not need to be considered, and the more likely the credit limit is to be set high.

[0068] When a user decides to start using the accounting management service to make it easier to pass a higher credit check, they press the Start Use button B31. The user terminal 20 accepts the operation of the Start Use button B31 as an operation to start using the accounting management service, and sends request data to the accounting management server device 3 requesting the display of a new user registration screen (activity A51). Upon receiving the request data, the accounting management server device 3 displays the new user registration screen on the user terminal 20 and executes processing to start using the accounting management service, such as obtaining user information (activity A52). This allows the user to begin using the accounting management service.

[0069] Furthermore, when the user wishes to start using the asset management service in a similar manner, the user operates the start use button B33, which causes a similar exchange to occur between the user terminal 20 and the asset management server device 4, and the user begins using the asset management service.

[0070] If the user begins using another service, or was already using another service, the user then performs an operation to link the systems that provide those services with the payment agency service system 1. For example, when the user terminal 20 receives an operation on the Start Linking button B32, it sends linking request data to the server device 10 requesting linking with a system that provides accounting management services (hereafter referred to as the "accounting management system") (activity A53). When the server device 10 receives the linking request data, it executes service linking processing to link with the accounting management system (activity A54).

[0071] The server device 10 performs service linkage processing, such as exchanging user information (such as account information) required for linkage with the accounting management server device 3 that constitutes the accounting management system. The account management server device 3 also performs service linkage processing (activity A55), such as exchanging user information (financial statements, transaction records, deposit and withdrawal records, etc.) required for linkage with the server device 10. Furthermore, when the linkage start button B34 is pressed, service linkage processing is similarly performed to link with a system that provides asset management services (hereinafter referred to as the "asset management system").

[0072] After performing the operation to link the services, the user operates the display button B35 to display the terms of use, and if there are no problems, checks the confirmation checkbox B36 and operates the agreement button B37. When the user terminal 20 accepts these operations as an agreement to the terms of use (activity A56), it displays an application information input screen as the second stage of the credit check.

[0073] Figure 12 is a diagram showing an example of an application information input screen. The credit review screen C4 shown in Figure 12 displays the text "Please enter your credit review application information," a progress image D41 showing the progress of the procedure, an application information input field D42, an input field D43 for the address to which the account transfer request form should be sent, and an application button B41. In the example of Figure 12, the progress image D41 indicates that the user is at the second stage, "application procedure."

[0074] The input field D42 is a field for inputting the desired amount, debit account information, and telephone number. The input field D43 is a field for inputting the address to which the account transfer request form is to be sent. The user terminal 20 accepts the input into the input fields D42 and D43 and the operation of the application button B41 as operations for the application procedure, and sends application data indicating the input application information to the server device 10 (activity A61). In the example of FIG. 12, a credit limit of "1,000,000 yen" has been applied for. After sending the application data, the user terminal 20 displays a credit screening application completion screen (activity A62).

[0075] Figure 13 is a diagram showing an example of an application completion screen. The credit review screen C5 shown in Figure 13 displays the text "Your credit review has been accepted. We will notify you of the review results by email. After the credit review, you will need to complete the account transfer procedure.", a progress image D51 showing the progress of the procedure, and a main screen display button B51. In the example of Figure 13, the progress image D51 indicates that you are at the third stage, "Account Transfer Procedure."

[0076] The credit review screen C4 informs the user that the application has been completed and asks them to transfer the debit account entered on the credit review screen C3 until the credit review is completed. When the display button B51 is operated, the main screen C2 shown in Figure 6 or 9 is displayed again. When the server device 10 receives the application data at A61, it executes a credit review process to review the user's credit based on the application information indicated in the received application data (activity A63).

[0077] There are two types of credit examination processing: an automatic processing in which the server device 10 automatically determines the credit limit, and a support processing in which the credit examination staff member supports the credit limit determination. The server device 10 executes the automatic credit examination processing by determining the credit limit in accordance with predetermined rules based on, for example, application information and user information of other systems linked through service linkage processing. The server device 10 also executes the support processing for credit examination by, for example, displaying the application information and user information of other systems on a business terminal used by the credit examination staff member and requesting the determination of the credit limit.

[0078] Furthermore, when a user newly starts using a service of another system, the server device 10 may wait until sufficient user information of that system is accumulated before executing the credit check process. Furthermore, the server device 10 may execute an automatic credit check process when there is sufficient user information of the other system, and may execute a credit check support process when there is insufficient user information of the other system.

[0079] When the credit examination process is completed and the credit limit is determined, the server device 10 generates an examination result screen (activity A64). The server device 10 transmits result screen data showing the generated examination result screen to the user terminal 20. When the result screen data is transmitted, the user terminal 20 notifies the user, for example, of the transmission, and when the notified user performs an operation to display the result screen, the user terminal 20 displays the examination result screen shown in the transmitted screen data (activity A65).

[0080] Figure 14 is a diagram showing an example of an examination result screen. The credit examination screen C6 shown in Figure 14 displays the text "Credit examination passed. A credit limit has been granted." A progress image D61 showing the progress of the procedure, a display field D62 for the granted credit limit, a credit limit change button B61, and a main screen display button B62. In the example of Figure 14, the progress image D61 indicates that the fourth stage, "Credit limit granted," is reached.

[0081] In the example of Fig. 14, the display field D62 shows the full credit limit of "1,000,000 yen" applied for in the example of Fig. 12. If the full credit limit is not granted and the user wishes to apply for a credit review again, the user can operate the change button B61, and the server device 10 can, for example, redisplay the credit review screen C3 shown in Fig. 11, allowing the user to apply for a credit review again. In this case, for example, a user who only linked an accounting management service in their first application can also link an asset management service in their second application, attempting to be granted a higher credit limit.

[0082] Returning to Figure 6, when the user operates the wallet balance account confirmation button B22, the server device 10 displays an image showing the user's wallet account (an image showing the account number, etc.). When the user operates the wallet balance monthly balance display button B23, the server device 10 displays a list of monthly wallet account balances (wallet balance history). There are two methods for displaying the wallet balance history: a first display method and a second display method.

[0083] Fig. 15 is a diagram showing an example of a wallet balance history displayed in the first display method. A system screen C7 shown in Fig. 15 displays a character string saying "We will inform you of your wallet balance history," a display field D71 showing the monthly wallet balance history, a balance certificate display button B71, a button B72 to switch to the display in the second display method, and a main screen display button B73.

[0084] In the display field D71, the amount remaining in the wallet account at the end of each month is displayed as the wallet balance history for that month. Note that for the current month (March 2024 in the example of FIG. 15), the end of the month has not yet arrived, so the amount remaining in the wallet account at the current time is displayed as the wallet balance history. This amount is the same as the wallet balance displayed in the display field D23 of the main screen C2 shown in FIG. 6. By looking at the display field D71, it is possible to see how much cash is left in the wallet account at the end of each month.

[0085] The balance certificate display button B71 is displayed in association with each month, and when operated, a certificate certifying the wallet balance for that month is displayed. When the display button B73 is operated, the main screen C2 shown in Fig. 6 is displayed again. When the switch button B72 is operated, the server device 10 switches to a screen that displays the wallet balance history using the second display method.

[0086] Fig. 16 is a diagram showing an example of a wallet balance history displayed in the second display method. System screen C8 shown in Fig. 16 displays a character string saying "We will inform you of your wallet balance history," a display field D81 showing the monthly wallet balance history, a balance certificate display button B81, a switch button B82 to display in the first display method, and a main screen display button B83. Operating the switch button B82 switches the display to system screen C7 shown in Fig. 15, and operating the display button B83 redisplays main screen C2 shown in Fig. 6.

[0087] The display field D81 displays the total deposits, total withdrawals, total outstanding amounts, and wallet balance for each month of use. All of these show the amounts as of the end of the month of each month of use. Note that in the example of Figure 16, for ease of explanation, it is assumed that no payments were made using the wallet payment service in any month, and the example explains a case where the amount used differs from the examples shown in Figures 6 and 15 (the same applies to subsequent figures).

[0088] The amount displayed in the display field D81 is the same as the amount handled in accounting. For example, the total deposits shows the total amount deposited into the wallet account in that month. The total withdrawals shows the total amount paid using the credit payment service in that month. The total unsettled amount includes the settled unsettled amount for the credit payment service and the unsettled unsettled amount.

[0089] The confirmed unsettled amount is the amount of the total withdrawal that was not enough to be debited from the wallet account at the end of that month, and will be debited from the credit account the following month. On the other hand, the unsettled unsettled amount is the amount that will be confirmed at some point, but there is still a possibility that it will be refunded (also known as a "preliminary value"). Since it takes several days for the unsettled amount to be confirmed after the credit payment service is used at an affiliated store, for example, an amount used near the end of the month will be displayed as an unsettled unsettled amount (preliminary value).

[0090] The wallet balance shows the amount remaining in your wallet account at the end of the month. Not all of this wallet balance can be used for credit card payment services from the following month onwards; the portion of the wallet balance that corresponds to the unsettled, unsettled amount will be debited from your wallet account at the end of the following month if the unsettled, unsettled amount is not refunded and is confirmed. Therefore, the amount obtained by subtracting the unsettled, unsettled amount from the wallet balance shows the actual amount available for payments with credit card payment services from the following month onwards.

[0091] For example, in "January 2024," a total deposit of "500,000 yen" is deposited into the wallet account, and "150,000 yen," calculated by subtracting the unsettled unsettled amount of "50,000 yen" from the total withdrawal of "200,000 yen," is deducted from the wallet account at the end of the month, leaving a wallet balance of "350,000 yen." Of that wallet balance, the unsettled unsettled amount of "50,000 yen" is scheduled to be deducted from the wallet account the following month, so the actual amount of the wallet balance that can be used for new payments using the credit payment service from the following month onwards will be "300,000 yen."

[0092] Additionally, for "February 2024," the total withdrawal amount is "450,000 yen." The wallet balance at the end of the previous month is "350,000 yen," but there is a payment of "50,000 yen" for the unsettled unsettled amount from the previous month, so "300,000 yen" of that is used for payment. Therefore, the full amount of "350,000 yen" is deducted from the wallet account at the end of the month, so the wallet balance at the end of the month is "0 yen." Of the total withdrawal amount of "450,000 yen," "150,000 yen," which is the amount that could not be deducted from the wallet account, is determined as the amount to be deducted from the credit account the following month, and is displayed in the column for the determined unsettled amount.

[0093] In each of the above examples, if the wallet payment service is also used, the corresponding amount will be deducted from the wallet account each time it is used, and the wallet balance will decrease accordingly. Also, although the balance certificate display button is not displayed in the example of Figure 16, it is possible to display a balance certificate of the wallet balance for each month by displaying the balance certificate button, as in the example of Figure 15.

[0094] Returning to Fig. 6, when the user operates the display button B24 displayed in D25, the server device 10 displays a list of the user's credit card payment service usage history. Fig. 17 is a diagram showing an example of a usage history list. The system screen C9 shown in Fig. 17 displays the character string "This is a list of credit payment service usage history," a display field D91 for the list of credit payment service usage history, a button B91 for displaying details of the usage amount for each month, and a button B92 for displaying the main screen.

[0095] Display field D91 displays the month of credit payment service usage, usage amount, amount deducted from wallet account, amount deducted from credit account, deduct date, and status. The usage amount is the total amount deducted from wallet account and credit account. In the example of Figure 17, deducting from wallet account is prioritized, and in the month when the entire usage amount is deducted from wallet account, the amount deducted from credit account is "0 yen."

[0096] For example, the status will be "Payment Completed" for the month in which the full amount has been debited. Also, the status will be "Withdrawal Scheduled" for the month in which the withdrawal date has not yet arrived (March 2024 in the example of Figure 17). If the full amount cannot be withdrawn, the status will be "Withdrawal Failed." When the statement display button B91 is operated, a statement of the amount used for that month will be displayed. When the display button B92 is operated, the main screen C2 shown in Figure 6 will be displayed again.

[0097] As described above, the server device 10 functions as an example of an acquisition unit that acquires the credit limit of a credit card in the user's name, the unsettled amount of credit card usage that has not yet been debited, and the wallet balance in the user's name. For example, the server device 10 acquires the credit limit, the unsettled amount, and the wallet balance at A13, A14, and A15 shown in Fig. 4, respectively.

[0098] The server device 10 functions as an example of a display control unit that displays the acquired credit limit, outstanding amount, and wallet balance together with the available amount. As described above, the available amount is the sum of the credit limit and wallet balance minus the outstanding amount. The server device 10 displays the credit limit, outstanding amount, and wallet balance together with the available amount calculated from these amounts on the main screen C2 shown in FIG. 6 etc.

[0099] As mentioned above, in the payment agency service system 1, the credit payment service is debited from the wallet account at midnight on the last day of the month. For the usage amount of a certain usage month, the server device 10 first performs the debit process from the wallet account if there is a balance in the wallet account at the end of that month. Below, with reference to Figures 18 and 19, we will explain the main screen before the wallet account is debited (March 31st) and the main screen after the wallet account is debited (April 1st).

[0100] FIG. 18 is a diagram showing another example of the main screen. The main screen C2 shown in FIG. 18 displays the text "Information about your usage status (March 31st)." In the example of FIG. 18, 50,000 yen of the credit payment service has been used since March 20th shown in FIG. 7, and the pending unsettled amount has increased to "150,000 yen." Meanwhile, since the credit limit and wallet balance have not changed, the server device 10 displays "2,250,000 yen," which is the amount subtracted by 50,000 yen from the amount shown in FIG. 7, as the available balance.

[0101] Here, let us assume that 50,000 yen of the unsettled unsettled amount of "150,000 yen" is a preliminary value that may still be refunded. In this case, the server device 10 executes a process to debit the wallet account at midnight on March 31st for 100,000 yen, which is the amount obtained by subtracting the preliminary value from the unsettled unsettled amount. The main screen displayed after this debit is shown in Figure 19.

[0102] FIG. 19 is a diagram showing another example of the main screen. The main screen C2 shown in FIG. 19 displays the text "Information about your usage status (April 1st)." In the example of FIG. 19, the server device 10 updates the wallet balance, which was 400,000 yen as of March 31, to 300,000 yen, which is obtained by subtracting the aforementioned 100,000 yen (the amount obtained by subtracting the preliminary value from the unsettled unsettled amount), and displays the updated amount. In addition, the server device 10 updates the unsettled amount, which was 150,000 yen as of March 31, to "50,000 yen," which is obtained by subtracting the debited 100,000 yen, and displays the updated amount.

[0103] The server device 10 then calculates the available amount as follows: credit limit (2,000,000 yen) + wallet balance (300,000 yen) - unsettled amount (50,000 yen) = 2,250,000 yen, and displays this in the display field D21. This available amount does not change before or after the withdrawal from the wallet account. This is because, although the unsettled amount decreases when the wallet account is withdrawn, the wallet balance also decreases by the same amount.

[0104] Once the preliminary figure of 50,000 yen is confirmed, the 50,000 yen will be debited from the credit account on April 20. Therefore, the server device 10 displays the 50,000 yen as the confirmed unsettled amount in the display field D24 in association with the character string "March amount (confirmed)," and at the same time, updates the display by subtracting the 50,000 yen from the amount displayed in association with "April amount (unconfirmed)."

[0105] In this way, the server device 10 switches the display of the wallet balance to the amount obtained by subtracting the confirmed amount of the unsettled amount from the wallet balance at the timing corresponding to the credit card debit. Credit card debit refers to debiting the amount used for the credit payment service from an account, and the account used for debit includes both a credit account and a wallet account.

[0106] Unlike withdrawals for wallet payment services, credit card withdrawals, even when made from a wallet account, are not made every time a payment is made, but are made at a set time each month (the last day of the month in the above example) just like withdrawals from a credit account. The withdrawal dates from the wallet account and credit account may be different from the above dates, but regardless of the withdrawal date, server device 10 only needs to switch the display of the wallet balance at the time corresponding to the credit card withdrawal, i.e., the time corresponding to the withdrawal of the usage amount from the wallet account.

[0107] With the above-described embodiment, a user of the credit payment service can easily grasp not only his / her credit limit but also the available amount exceeding the credit limit, compared to when the main screen shown in Fig. 6 etc. is not displayed. Furthermore, by switching the wallet balance display at the above-described timing, the balance of the wallet account can be grasped in a more timely manner, compared to when the wallet balance display is switched at a timing unrelated to, for example, a credit card withdrawal.

[0108] The server device 10 (an example of a display control unit) also displays a history of periodic settlement amounts, which includes a first amount deducted from the credit card withdrawal account and a second amount paid from the wallet balance. The server device 10, for example, displays a graph of the usage history of the credit card payment service in the display field D25 shown in Fig. 6. As described in the explanation of Fig. 6, the bar image for each month on this graph represents the usage amount including the first amount and the second amount as a breakdown. According to this embodiment, it is possible to grasp the transition of the payment amount for each payment method (payment from the wallet account and payment from the credit account) for the usage amount.

[0109] Furthermore, the server device 10 (an example of a display control unit) displays a common screen whether the user has passed the credit limit examination or not. For example, the server device 10 displays the main screen C2 including an available balance display field D21, a credit limit display field D22, a wallet balance display field D23, an unsettled amount display field D24, and a usage history graph display field D25, whether the credit limit is "2,000,000 yen" as in the example of Fig. 6 or "0 yen" as in the example of Fig. 9.

[0110] In the payment agency service system 1, even if the credit limit screening has not been passed, the credit payment service can be used by topping up the wallet balance, so the available balance can be displayed in the display field D21 as shown in Fig. 9. According to this embodiment, it is possible to provide a screen that is the same in usability regardless of whether or not the credit limit has been approved.

[0111] The server device 10 (display control unit) also displays a permission request screen requesting permission to use related information about the user in examining the user's credit limit. For example, the credit examination screen C3 shown in Fig. 11 is an example of a permission request screen requesting permission to link with both or either of an accounting management service and an asset management service and to use information about the user (such as accounting information and asset information) held by these services as related information.

[0112] Furthermore, when the use of the related information is permitted, the server device 10 functions as an example of an examination unit that executes an examination process for conducting an examination based on the permitted related information. According to this aspect, whether the server device 10 automatically determines the credit limit or the credit limit is determined by a credit examination officer, the information used to judge the user's credit increases, thereby making it possible to increase the reliability of the credit limit compared to when the examination process is performed without using the related information.

[0113] The related information is, for example, the usage history of a system used by a user, which is maintained by the system. The systems used by a user include an accounting management system used by the user or an asset management system used by the user. Accounting information, etc., which is related information in an accounting management service, is the usage history of the accounting management system, and asset information, etc., which is related information in an asset management service, is the usage history of the asset management system. According to this aspect, since the related information is obtained from an existing system, it is easier to obtain the related information than when related information is newly generated. Furthermore, according to this aspect, credit can be examined based on accounting or asset history.

[0114] The related information described above comes in multiple types. In the example of FIG. 11 and the like, the related information comes in two types: accounting information and asset information. In this case, the server device 10 (an example of a display control unit) displays a permission request screen requesting permission for each of the multiple types. In the example of FIG. 11, the server device 10 displays two link start buttons B32 and B34 so that linkage with an accounting management service and linkage with an asset management service can be selected, respectively.

[0115] The server device 10 (an example of an examination unit) then executes the examination process based on the type of related information selected on the permission request screen. As described above, the server device 10 can execute the first examination process by linking only the accounting management service, and execute the second examination process by linking also the asset management service, depending on the user's selection. The more types of related information used in the examination process, the lower the risk and the easier it is to increase the credit limit, so this embodiment allows the user to choose the amount by which the credit limit will be increased.

[0116] The wallet balance is the balance of the wallet account, i.e., the account (wallet account) designated for the user by the credit card provider. The server device 10 (an example of a display control unit) displays, as a history of wallet balances at the end of a certain period that repeatedly occurs, a list of wallet account balances at the end of the period and a list of unsettled unsettled amounts and wallet account balances at the end of the period in a switchable manner.

[0117] The last day of a fixed period that occurs repeatedly is, for example, the last day of each month. Note that the last day of the fixed period is not limited to this, and may be, for example, the last day of each week, or the last day of every other week or every other month. A list of wallet account balances at the end of a fixed period is, for example, a list of wallet balances displayed in display field D71 shown in FIG. 15. This list shows the wallet balances displayed at the end of the month in display field D23 on the main screen C2 shown in FIG. 6. In other words, the wallet balances shown in the list in FIG. 15 match the wallet balances normally displayed on the main screen, making it easy for the user to understand.

[0118] On the other hand, the list of unsettled unsettled amounts and wallet account balances is a list including the unsettled unsettled amounts and wallet account balances displayed in, for example, display field D81 shown in Fig. 16, and represents the actual balance available for payments using the credit payment service. According to this aspect, the user can see both easy-to-understand information and the actual available amount.

[0119] The server device 10 also functions as an example of an examination unit that executes an examination process related to the examination of a user's credit limit. The server device 10 can also automatically determine the credit limit in accordance with predetermined rules. By having the server device 10 complete the examination process in this way, the examination results can be provided to the user more quickly than when the examination is performed manually.

[0120] As mentioned above, credit card withdrawals include withdrawals from a credit account and withdrawals from a wallet account. In this case, when a withdrawal is made from a credit account, the server device 10 (an example of a display control unit) adds the withdrawn amount to the available balance and displays it, and when a withdrawal is made from a wallet account, it displays the available balance without changing it.

[0121] For example, in the example of Fig. 7, the server device 10 displays the amount obtained by adding the amount deducted (100,000 yen) to the amount before deducting from the credit account (2,200,000 yen) as the available balance after deducting. Also, in the example of Fig. 19, the server device 10 displays the amount before deducting from the wallet account (2,250,000 yen) unchanged even after deducting. According to this embodiment, it is possible to notify the user of the appropriate available balance.

[0122] <Variation: Usage history graph> When displaying a graph showing usage history, the server device 10 (an example of a display control unit) may display the first amount (the amount deducted from the credit account) and the second amount (the amount deducted from the wallet account) in different ways.

[0123] Fig. 20 is a diagram showing an example of a displayed graph of the usage history. In the example of Fig. 20, the server device 10 displays bar images indicating the usage amount for each month in the usage history display field D25. Of each bar image, the server device 10 displays a rectangular image with diagonal lines indicating the amount paid to the wallet account, and a rectangular image without diagonal lines indicating the amount paid to the credit account.

[0124] For example, the bar image F7 for July contains only the shaded rectangular image F71, indicating that only the wallet account was debited that month. The bar image F9 for September contains both the shaded rectangular image F91 and the unshaded rectangular image F92, indicating that both the wallet account and the credit account were debited. The length of each rectangular image indicates the amount debited. In the September example, the rectangular image F91 is longer than the rectangular image F92, indicating that a larger amount was debited from the wallet account.

[0125] In this way, by displaying the first amount and the second amount in different ways, the user can intuitively grasp the transition of the first amount and the second amount. Furthermore, some users may treat their wallet balance as a deposit and their credit account balance as an amount due, and for such users, it is easier to determine the impact of the credit payment service usage history on their company's accounting than when they cannot distinguish between the first amount and the second amount.

[0126] Furthermore, the server device 10 displays the bar image F3 for March in a different manner from the other months (in the example of FIG. 20, each side of the rectangle is displayed with a dashed line) because the first amount and the second amount have not yet been determined before the withdrawal, thereby indicating that the amount has not yet been determined. This allows the user to intuitively understand that the first amount and the second amount have not yet been determined.

[0127] The display manner of the first amount and the second amount is not limited to this. For example, the first amount and the second amount may be displayed in different colors, or may have a different pattern from that shown in FIG. 20. The display positions of the first amount and the second amount may also be changed. In short, the server device 10 may display the first amount and the second amount in any manner as long as the sizes of the first amount and the second amount are comparable. Furthermore, the server device 10 may display an image representing the currently estimated first amount and second amount for a month in which the first amount and the second amount are not yet determined.

[0128] <Variation: Credit check rules> When automatically determining the credit limit as described above, the server device 10 may, for example, determine a higher credit limit as the number of types of user related information increases. The user related information may include, for example, the usage history of the accounting management service and the asset management service described above, as well as the usage history of the invoice management service, the expense management service, the debt management service, the financial management service, etc.

[0129] Figure 21 is a diagram showing another example of a credit review screen. On the credit review screen C3a shown in Figure 21, at the "Other System Integration" stage, switch buttons B31a, B32a, B33a, B34a, B35a, and B36a are displayed to switch whether or not to integrate with the accounting management system, asset management system, invoice management system, expense management system, debt management system, and financial management system. The user can set up integration with multiple systems at once by selecting "Integration" as the switch button for the system they want to integrate with and then agreeing to the terms of use.

[0130] Note that the user related information used for credit screening is not limited to the above information, and other related information may also be used, for example, the usage history of e-commerce services, the usage history of mobile phone services, the usage history of travel services, the usage history of investment services, etc. In short, any information that reveals how the user spends money and the payment situation may be used as related information.

[0131] Furthermore, the server device 10 may add the wallet balance to the related information used in the credit check. For example, the higher the average wallet balance at the end of the month, the higher the amount the server device 10 determines as the credit limit. This is because having a remaining wallet balance at the end of the month after the withdrawal date indicates that the user has sufficient cash on hand and has a high ability to pay. Note that the wallet balance used as related information is not limited to the end of the month, and may be the wallet balance at any other time. In either case, the wallet balance contributes to both increasing the available balance and increasing the available credit, thereby motivating the user to increase the wallet balance, and as a result, more reliable credit checks can be performed.

[0132] Furthermore, the server device 10 may determine a higher credit limit for a user with a larger amount of related information. For example, even for the same accounting management service, a 10-year usage history is more reliable than a 1-year usage history. Therefore, even if the same fluctuations occur repeatedly, the latter allows for a more accurate assessment of risk, making it easier to set a higher credit limit. This configuration can motivate users to provide more related information, resulting in more reliable credit screening.

[0133] Furthermore, the server device 10 may, for example, display an image showing the degree to which the user's related information contributed to the credit limit (contribution rate). For example, the server device 10 calculates, according to a predetermined rule, both the credit limit when there is no related information (first credit amount) and the credit limit when there is related information (second credit amount), and calculates and displays the difference between the second credit amount and the first credit amount divided by the first credit amount as the contribution rate. For example, if the first credit amount is 1 million yen and the second credit amount is 1.2 million yen, the contribution rate displayed is 20%. This embodiment allows the user to realize the contribution that providing related information makes to the credit limit, thereby motivating the user to provide related information.

[0134] <Modification: Main screen> The layout of the main screen including the credit limit, outstanding balance, wallet balance, and available balance is not limited to that shown in FIG. 6, etc.

[0135] Fig. 22 is a diagram showing another example of the main screen. The main screen C2b shown in Fig. 22 displays a display field D21b for the available amount, a display field D22b for the credit limit, a display field D23b for the wallet balance, a display field D24b for the outstanding amount, and a display field D25b for a graph of the usage history. The sizes and arrangement of the display fields D22b, D23b, and D24b differ from the example in Fig. 6, and these three display fields are displayed horizontally with the same width.

[0136] Figure 23 is a diagram showing another example of the main screen. The main screen C2c shown in Figure 23 displays a display field D21c for the available balance, a display field D22c for the credit limit, a display field D23c for the wallet balance, a display field D24c for the outstanding amount, and a display field D25c for a graph of the usage history. In the example of Figure 23, display fields D21c, D22c, D23c, and D24c are each displayed vertically on the left side, each half the width of the main screen C2c. Furthermore, display field D25c is displayed on the right side, half the width of the main screen C2c.

[0137] On the main screen C2c, the vertical size of display column D25c is larger than on other screens, making it easier to grasp the differences in monthly usage amounts. On main screens C2 and C2b, the credit limit, wallet balance, and outstanding amount used to calculate the available amount are arranged side by side below the display column showing the available amount, making it easier to intuitively grasp the relationship between the available amount and other amounts than on main screen C2c. Also, on main screen C2, by dividing display columns D22 and D23 into the left half and display column D24 into the right half, it is easier to intuitively grasp that the outstanding amount is subtracted from the total of the credit limit and wallet balance than on main screen C2b.

[0138] <Example of variation: Variation of composition> The configuration (overall configuration, hardware configuration, functional configuration, etc.) shown in FIG. 1 etc. is an example, and other configurations are possible as long as they are not inconvenient for implementation. For example, the server device 10 may be distributed across two or more devices, or may be provided in the form of SaaS (Software as a Service) or a cloud computing system. Furthermore, the information processing performed by the server device 10 and the user terminal 20 may be collectively performed by a device that integrates these. In short, as long as the information processing required for the entire payment agency service system 1 is performed, the devices that perform that information processing may have any configuration.

[0139] The output destination of information or data (hereinafter referred to as "information, etc.") may be another device, a display, a memory unit (including an internal memory unit and an external memory unit), an email address, an account of another system, etc. Acquisition of information, etc. includes acquiring information, etc. generated by the device itself, as well as acquiring information, etc. transmitted from another device. The table, etc. (table, database, etc.) in which parameters are associated is not limited to the illustrated table, etc., and the number of parameters may be reduced or increased. Furthermore, information, etc. corresponding to parameters may be obtained using a mathematical formula, a conditional formula, etc., without using a table, etc.

[0140] The above-described embodiments are described as information processing devices such as the server device 10 and the user terminal 20, or information processing systems such as the payment agency service system 1 including the server device 10 and the user terminal 20. However, the embodiments may also be described as information processing methods. The information processing methods include the same steps as those executed by the information processing system. The above-described embodiments may also be described as programs. The programs cause a computer to execute the same steps as those executed by the information processing system.

[0141] <Additional Notes> Furthermore, it may be provided in the following aspects.

[0142] (1) An information processing system having at least one processor, wherein the processor, in an acquisition step, acquires the credit limit of a credit card in the name of a user, the unsettled amount of the credit card usage that has not yet been debited, and the wallet balance in the name of the user, and in a display control step, displays the acquired credit limit, the unsettled amount, and the wallet balance together with the available amount, which is the sum of the credit limit and the wallet balance minus the unsettled amount, and at the timing corresponding to the debit of the credit card, switches the display of the wallet balance to a display of the amount obtained by subtracting the confirmed amount of the unsettled amount from the wallet balance.

[0143] According to this embodiment, the available amount exceeding the credit limit can be easily grasped.

[0144] (2) In the information processing system described in (1) above, the processor, in the display control step, further displays a history of periodic settlement amounts, the history including a first amount debited from the credit card's debit account and a second amount paid from the wallet balance.

[0145] According to this aspect, it is possible to grasp the transition of the payment amount for each payment method with respect to the usage amount.

[0146] (3) In the information processing system described in (2) above, in the display control step, the processor displays a graph showing the history and displays the first amount and the second amount in different manners.

[0147] According to this embodiment, the transition of the first amount and the second amount can be intuitively grasped.

[0148] (4) In the information processing system described in any one of (1) to (3) above, in the display control step, the processor displays a common screen regardless of whether the user has passed the credit limit screening or has not passed the screening.

[0149] According to this embodiment, it is possible to provide a screen that is equally easy to use regardless of whether or not the customer has been granted credit.

[0150] (5) In the information processing system described in any one of (1) to (4) above, the processor displays the wallet balance as the balance of an account designated for the user by the credit card provider, and in the display control step, as a history of the wallet balance at the end of a certain period that recurs, switchably display a list of the balance of the account at the end of the period and a list of the unsettled unsettled amount and the balance of the account at the end of the period, and the unsettled amount is calculated based on the history of the total deposits and withdrawals to the account.

[0151] In this manner, both easy-to-understand information and the actual amount available can be viewed.

[0152] (6) In the information processing system described in any one of (1) to (5) above, in the display control step, the processor displays a permission request screen requesting permission to use related information about the user in reviewing the user's credit limit, and in the review step, if the permission is granted, executes a review process to conduct the review based on the related information.

[0153] According to this embodiment, the reliability of the credit limit can be improved.

[0154] (7) In the information processing system described in (6) above, the processor is configured such that the related information is a usage history of the system used by the user that is maintained by the system.

[0155] According to this aspect, related information can be easily acquired.

[0156] (8) In the information processing system described in (7) above, the processor includes an accounting management system used by the user or an asset management system used by the user.

[0157] According to this embodiment, an examination can be made based on accounting or asset history.

[0158] (9) In the information processing system described in (6) above, the processor has multiple types of related information, and in the display control step, displays a screen requesting permission for each of the multiple types as the permission request screen, and in the review step, performs the review process based on the related information of the type selected on the permission request screen.

[0159] According to this embodiment, the customer can choose the extent of the increase in the credit limit.

[0160] (10) In the information processing system described in (8) above, in the examination step, the processor executes an examination process for examining the user's credit limit and adds the wallet balance to the information used for the examination.

[0161] According to this embodiment, it is possible to provide an incentive to increase the wallet balance.

[0162] (11) In the information processing system described in any one of (1) to (10) above, the processor determines that the credit card withdrawals include withdrawals from a credit account and withdrawals from a wallet account, and in the display control step, when a withdrawal is made from the credit account, the amount withdrawn is added to the available balance and displayed, and when a withdrawal is made from the wallet account, the available balance is displayed without change.

[0163] According to this embodiment, it is possible to convey the appropriate available amount.

[0164] (12) An information processing method, in which a processor included in an information processing system executes each step of the information processing system described in any one of (1) to (11) above.

[0165] According to this embodiment, it is possible to promote understanding of outliers.

[0166] (13) A program that causes a computer to execute each step of the information processing system according to any one of (1) to (11) above.

[0167] According to this embodiment, it is possible to promote understanding of outliers. Of course, this is not the case. Furthermore, the above-described embodiments and modifications may be combined in any desired manner.

[0168] Finally, while various embodiments of the present invention have been described, these are presented by way of example only and are not intended to limit the scope of the invention. The novel embodiments may be embodied in various other forms, and various omissions, substitutions, and modifications may be made without departing from the spirit of the invention. The embodiments and their modifications are intended to be included within the scope and spirit of the invention, as well as within the scope of the inventions and their equivalents as defined in the appended claims. [Explanation of symbols]

[0169] 1: Payment agency service system 2: Communication line 3: Accounting management server device 4: Asset management server device 10: Server device 11: Control section 20: User terminal 21: Control unit

Claims

1. An information processing system including at least one processor, the processor: In the acquisition step, the credit limit of a credit card in the user's name, the unsettled amount of the credit card usage amount that has not been debited, and the wallet balance in the user's name are acquired; In the display control step, the acquired credit limit, the outstanding amount, and the wallet balance are displayed together with the available amount; the available amount is the sum of the credit limit and the wallet balance minus the outstanding amount, At the timing corresponding to the withdrawal of the credit card, the display of the wallet balance is switched to a display of the amount obtained by deducting the confirmed amount of the unsettled amount from the wallet balance. Information processing system.

2. 2. The information processing system according to claim 1, the processor: The display control step further displays a history of periodic settlement amounts, the history including a first amount debited from a withdrawal account of the credit card and a second amount paid from the wallet balance. Information processing system.

3. 3. The information processing system according to claim 2, the processor: In the display control step, a graph showing the history is displayed, and the first amount and the second amount are displayed in different modes. Information processing system.

4. 2. The information processing system according to claim 1, the processor: In the display control step, a common screen is displayed regardless of whether the user has passed the credit limit examination or has not passed the examination. Information processing system.

5. 2. The information processing system according to claim 1, the processor: the wallet balance is the balance of an account designated for the user by the credit card provider; In the display control step, a list of the balance of the account on the last day and a list of the unsettled unsettled amount and the balance of the account on the last day are switchably displayed as a history of the wallet balance on the last day of a certain period that repeatedly occurs, The outstanding amount is calculated based on the total amount of deposits and withdrawals made to the account. Information processing system.

6. 2. The information processing system according to claim 1, the processor: In the display control step, a permission request screen is displayed to request permission to use related information about the user in examining the user's credit limit, In the examination step, if the permission is granted, an examination process is executed to perform the examination based on the related information. Information processing system.

7. 7. The information processing system according to claim 6, the processor: The related information is a usage history of the system maintained by the system used by the user. Information processing system.

8. 8. The information processing system according to claim 7, the processor: The system includes an accounting management system used by the user or an asset management system used by the user. Information processing system.

9. 7. The information processing system according to claim 6, the processor: The related information has a plurality of types, In the display control step, a screen for requesting permission for each of the plurality of types is displayed as the permission request screen; In the examination step, the examination process is performed based on the related information of the type selected on the permission request screen. Information processing system.

10. 9. The information processing system according to claim 8, the processor: In the examination step, an examination process for examining the credit limit of the user is executed, and the wallet balance is added to information used for the examination. Information processing system.

11. 2. The information processing system according to claim 1, the processor: The debiting of the credit card includes debiting from a credit account and debiting from a wallet account, In the display control step, when a withdrawal is made from the credit account, the amount withdrawn is added to the available balance and displayed, and when a withdrawal is made from the wallet account, the available balance is displayed without being changed. Information processing system.

12. An information processing method, comprising: The processor of the information processing system Executing each step of the information processing system according to any one of claims 1 to 11. Information processing methods.

13. A program, A computer is caused to execute each step of the information processing system according to any one of claims 1 to 11. program.

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