Settlement processing program, settlement processing system, and settlement processing method

Abstract

To improve the convenience for a payment using the balance.SOLUTION: A settlement processing program causes a computer to implement: a balance acquisition unit which acquires balance information related to the balance available to a user for payment; and a calculation unit which calculates the amount available to the user for a payment in a predetermined payment recipient using at least a part of the balance, based on the balance information and adjustment information on adjustment of the amount available for a payment using the balance, which is set for each predetermined payment recipient.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] 2. Description of the Related Art Conventionally, payments have been made using balances of value information such as electronic money.

[0003] For example, the electronic money exchanger described in Patent Document 1 is an electronic money exchanger for transferring electronic money balances between a first electronic money and a second electronic money different from the first electronic money. The device includes two insertion units into which storage media can be inserted, a reader / writer provided in each insertion unit and capable of reading data stored in the storage medium inserted into the insertion unit and writing data to the storage medium, an input unit into which the amount of electronic money balance to be transferred can be input, and a control unit that controls the processing of the electronic money exchanger related to the transfer of electronic money balances. The device can also calculate an exchange rate for transferring an electronic money balance from the first electronic money balance to the second electronic money balance, depending on the type of the first electronic money and the second electronic money. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2010-140332 Summary of the Invention [Problem to be solved by the invention]

[0005] Conventionally, the available amount available for payments using balances of value information such as electronic money has been calculated based on a rate fixed for each type of value information. That is, in conventional payments using balances, the available amount has been fixed according to the balance. Therefore, the convenience of payments using balances has been limited. For example, even in the electronic money exchanger described in Patent Document 1, only the exchange rate when transferring the electronic money balance from a first electronic money balance to a second electronic money balance is taken into consideration, and the rate at the time of payment using the electronic money balance is not taken into consideration.

[0006] Therefore, an object of the present invention is to improve the convenience of payments using balances. [Means for solving the problem]

[0007] A payment processing program according to one embodiment of the present invention causes a computer to implement a balance acquisition unit that acquires balance information regarding the balance available for a user to make a payment, and a calculation unit that calculates the available amount available for a user to use at least a portion of the balance at a specified payment destination based on the balance information and adjustment information regarding the adjustment of the available amount when making a payment using the balance, which is set for each specified payment destination. [Effects of the Invention]

[0008] According to the present invention, it is possible to improve the convenience of payments using balances. [Brief explanation of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram showing an overview of processing in a payment processing system 100 according to an embodiment of the present invention. [Figure 2] 1 is a diagram showing a configuration of a payment processing system 100 according to an embodiment of the present invention. [Figure 3] 10 is a diagram showing an example of adjustment information stored in a storage unit 110. FIG. [Figure 4] 10 is a diagram showing an example of balance information stored in the storage unit 110. FIG. [Figure 5] An example of available amount information stored in the storage unit 110 is shown below. [Figure 6] 10 is a flowchart showing an example of processing in payment processing system 100. DETAILED DESCRIPTION OF THE INVENTION

[0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of the present invention will now be described with reference to the accompanying drawings, in which: Figure 1 is a diagram showing an overview of processing in a payment processing system 100 according to one embodiment of the present invention.

[0011] The payment processing system 100 is an information processing system implemented by a payment processing program. The payment processing system 100 performs payment processing using an available amount available to a predetermined payment destination, which is calculated based on the balance available for payment by the user and adjustment information.

[0012] First, the payment processing system 100 receives a payment processing request from the user device 200 or the payment destination device 300, using at least a portion of the user's account balance (S101a or S101b). The payment processing system 100 obtains the user's account balance (S102). The payment processing system 100 calculates the available amount based on the balance and adjustment information (S103). Then, based on the available amount, the payment processing system 100 performs payment processing for a specified payment amount between the user and the payment destination, within the available amount (S104).

[0013] Here, the adjustment information may be, for example, information indicating a predetermined multiplier or a predetermined addition amount. That is, if the adjustment information is a predetermined multiplier, the payment processing system 100 can calculate the available amount by multiplying the balance by the predetermined multiplier. Also, if the adjustment information is a predetermined addition amount, the payment processing system 100 can calculate the available amount by adding the predetermined addition amount to the balance.

[0014] Conventionally, payment destinations, such as stores selling goods, experience fluctuations in business hours and sales volume depending on the day of the week, time of day, and other factors. Dynamic pricing utilizing information processing technology and special sales measures at the payment destination may be used to mitigate fluctuations in business hours and sales volume or stimulate users' purchasing desire. However, dynamic pricing utilizing information processing technology may not be suitable depending on the type of transaction object (e.g., product) and the nature of the payment destination. In particular, for example, when daily necessities are traded, frequent price fluctuations of the daily necessities could cause social unrest. Furthermore, special sales measures at payment destinations are implemented manually by store staff, which places a burden on the payment destination. Therefore, a payment processing system improves the convenience of balance-based payments by fluctuating the balance of a user's account based on adjustment information, regardless of the type of transaction object (e.g., product) and the nature of the payment destination, thereby achieving, for example, substantial dynamic pricing. This allows the payment recipient to suppress fluctuations in busyness and sales volume depending on the day of the week, time of day, etc., thereby leveling out the number of customers and sales, thereby improving the efficiency of the payment recipient's business operations. Furthermore, the payment recipient can utilize the adjustment information settings as part of sales promotion support for users. Furthermore, users can give priority to payment recipients with higher economic value.

[0015] Figure 2 is a diagram showing the configuration of a payment processing system 100 according to one embodiment of the present invention. The payment processing system 100 is communicably connected to a user device 200 and a payment destination device 300 via a network such as the Internet. Details of the payment processing system 100 will be described later.

[0016] The user device 200 is an information processing device used by a user, such as a computer, a smartphone, a tablet terminal, or a personal computer.

[0017] A user can access the payment processing system 100 through the user device 200. A user can access the payment processing system 100 to view the balance of the user's account, adjustment information, and available amount for a specified payment destination.

[0018] Additionally, the user can receive notification from the payment processing system 100 of changes to information related to the available amount or adjustment information.

[0019] The payment destination device 300 is an information processing device used by a predetermined payment destination, and is, for example, a computer, a smartphone, a tablet terminal, a personal computer, or the like.

[0020] The payment destination can provide reference information for setting adjustment information to the payment processing system 100 via the payment destination device 300. In addition, the payment destination can set adjustment information in the payment processing system 100 via the payment destination device 300.

[0021] 2, one user device 200 and one payment destination device 300 are shown, but there may be a plurality of user devices 200 and a plurality of payment destination devices 300. Furthermore, the payment between the user and the payment destination may be face-to-face payment or online payment.

[0022] Next, details of the payment processing system 100 will be described. The payment processing system 100 includes a memory unit 110, a reference information acquisition unit 120, an adjustment information setting unit 130, a balance acquisition unit 140, a calculation unit 150, a notification unit 160, and a payment processing unit 170. Each unit shown in Fig. 2 can be realized, for example, by using a memory area or by a processor executing a program stored in the memory area.

[0023] The storage unit 110 stores information processed in the payment processing system 100. The storage unit 110 can store, for example, reference information, adjustment information, balance information, and available amount information, which will be described later.

[0024] The reference information acquisition unit 120 acquires reference information for setting adjustment information and stores the acquired reference information in the storage unit 110. The reference information is, for example, information that the adjustment information setting unit 130, which will be described later, refers to when determining whether or not the setting conditions are satisfied.

[0025] The reference information acquiring unit 120 can acquire the reference information from, for example, the user device 200 or the payment destination device 300. The reference information acquiring unit 120 may also acquire the reference information from other information processing devices.

[0026] The reference information may be, for example, information relating to the business status of the payment destination, which may include, for example, at least one of the following information: the payment destination's sales amount, the items sold, the number of customers, and fluctuations in the number of customers.

[0027] The reference information may also be information about a transaction object (e.g., a commodity) to be traded between the user and the settlement destination. The information about the transaction object may include, for example, at least one of information for identifying the transaction object, information about the number of the transaction object, and information about the price of the transaction object.

[0028] The reference information may also be information about the user or information about the relationship between the user and the payment destination. Information about the user may be, for example, information about the user's attributes (name, address, email address, contact information, gender, age, etc.). Information about the relationship between the user and the payment destination may include, for example, at least one of the number of visits to the store, the cumulative time spent in or around the store, and information about payment history.

[0029] The reference information may also include information about current or predicted weather or temperature, and / or information about a date.

[0030] The reference information acquisition unit 120 may acquire reference information in response to a request for payment processing using at least a portion of the balance of the user's account, which is received from the user device 200 or the payment destination device 300. This allows the reference information acquisition unit 120 to acquire reference information in response to the request for payment processing, particularly, for example, reference information in response to the user or transaction target in response to the request for payment processing.

[0031] The adjustment information setting unit 130 sets adjustment information relating to adjustment of the available amount when making a payment using the balance, and stores the set adjustment information in the storage unit 110.

[0032] Here, the adjustment information is set for each payment destination, for example. This allows the payment processing system 100 to calculate a different available amount for each payment destination, allowing users and payment destinations to receive payment processing based on flexible available amounts.

[0033] The adjustment information may be changed based on at least one of the sales status of the payment destination and the busyness status evaluated based on the number of customers or fluctuations in the number of customers.

[0034] The adjustment information setting unit 130 may be changed, for example, based on an instruction received from the payment destination device 300. In this case, the payment destination accesses the payment processing system 100 through the payment destination device 300, and inputs adjustment information (for example, a predetermined multiplier or a predetermined addition amount). The adjustment information setting unit 130 sets the input adjustment information as the payment destination's adjustment information. This allows the payment destination to set the adjustment information as desired by the payment destination.

[0035] Furthermore, the instruction received from the payment destination device 300 may be an instruction to specify setting conditions for setting the adjustment information by the adjustment information setting unit 130. That is, in this case, the adjustment information setting unit 130 can set the adjustment information based on the setting conditions set by the payment destination device 300, for example.

[0036] The set condition may be, for example, a condition based on the reference information. That is, for example, the set condition may be at least one of a condition related to the business status of the settlement destination, a condition based on the user or the relationship between the user and the settlement destination, a condition related to the transaction object (e.g., a product) to be traded between the user and the settlement destination, a meteorological condition related to the current or predicted weather or temperature, and a time condition related to the date.

[0037] Specifically, if the set conditions relate to the business status of the payment recipient, the adjustment information setting unit 130 may set adjustment information that is more advantageous to the user when, for example, the sales status or business status of the payment recipient is determined to be in a predetermined state (e.g., poor or thriving). Here, the sales status or business status of the payment recipient may be evaluated using a predetermined algorithm based on, for example, the sales amount or the number of customers. This allows the payment recipient to utilize payment processing through the payment processing system 100, for example, as part of sales promotion support.

[0038] Furthermore, if the set conditions are based on the relationship between the user or the user and the payment recipient, the adjustment information setting unit 130 may set adjustment information that is more advantageous to the user if the user has a strong relationship with the payment recipient (for example, a high number of store visits, a long cumulative time spent in the store or its surrounding area, or an extensive payment history). Alternatively, if the user has a weak relationship with the payment recipient (for example, a low number of store visits, a short cumulative time spent in the store or its surrounding area, or a limited payment history), the adjustment information setting unit 130 may set adjustment information that is more advantageous to the user. This allows the payment recipient to utilize payment processing through the payment processing system 100, for example, as part of sales promotion support.

[0039] Furthermore, if the set conditions relate to a transaction object (e.g., a product) to be traded between the user and the settlement destination, the adjustment information setting unit 130 may set adjustment information that is more advantageous to the user, for example, when the transaction object is a predetermined product. This allows the settlement destination to set adjustment information according to, for example, the sales of the product, and the settlement processing through the settlement processing system 100 can be used as part of sales promotion support, so to speak.

[0040] Furthermore, if the set conditions are weather conditions, the adjustment information setting unit 130 may set adjustment information that is more advantageous to the user, for example, in the case of predetermined weather (sunny, rainy, snowy, low temperature, extremely hot, etc.). Furthermore, the adjustment information setting unit 130 may set adjustment information that is more advantageous to the user, for example, in the case of predicted predetermined weather (sunny, rainy, snowy, low temperature, extremely hot, etc.). This allows the payment recipient to utilize payment processing through the payment processing system 100, for example, as part of sales promotion support.

[0041] Furthermore, if the set condition is a time condition, the adjustment information setting unit 130 can set predetermined adjustment information, for example, when the payment timing is a predetermined period or a predetermined time period. Here, the payment timing may be, for example, when the payment timing is during a predetermined event period. This allows the payment recipient to utilize payment processing through the payment processing system 100, for example, as part of sales promotion support in response to the event.

[0042] The set condition may also be a combination of multiple conditions based on the reference information. Specifically, for example, for the purpose of supporting sales promotion of seasonal products, the adjustment information setting unit 130 may set adjustment information that is more advantageous to the user when the transaction object (e.g., product) is a predetermined product and the payment timing is within a predetermined period.

[0043] When the payment destinations include a first payment destination and a second payment destination, the adjustment information setting unit 130 can set adjustment information for each payment destination. That is, the adjustment information setting unit 130 can set first adjustment information corresponding to the first payment destination and second adjustment information corresponding to the second payment destination. This allows the payment destination to utilize payment processing through the payment processing system 100 as part of sales promotion support, for example, and also allows the user to prioritize use of payment destinations with high economic value, for example.

[0044] Furthermore, the adjustment information setting unit 130 may set adjustment information by associating it with information regarding the expiration date of the adjustment information. The expiration date of the adjustment information may be, for example, a predetermined condition such as "within 30 minutes," "until a certain date," or "X people remaining." Furthermore, the expiration date of the adjustment information may be different for each adjustment information, each user, or each payment destination to be set.

[0045] The adjustment information setting unit 130 may set the adjustment information in response to, for example, a request for payment processing using at least a portion of the balance of the user's account, received from the user device 200 or the payment destination device 300. This allows the adjustment information setting unit 130 to set adjustment information in response to the request for payment processing, particularly, for example, adjustment information in response to the user or transaction target in response to the request for payment processing.

[0046] 3 is a diagram showing an example of adjustment information stored in memory unit 110. The adjustment information stored in memory unit 110 includes, for example, a payment recipient ID and adjustment content information. The payment recipient ID is, for example, payment recipient identification information that identifies the payment recipient or payment recipient device 300. The adjustment content information is, for example, information indicating the content of the adjustment (for example, a predetermined magnification or a predetermined addition amount).

[0047] The balance acquisition unit 140 acquires balance information relating to the balance that the user can use for payment, and stores the acquired balance information in the storage unit 110.

[0048] For example, the balance obtaining unit 140 first obtains user identification information that identifies the user who uses the user device 200 from the user device 200. Next, the balance obtaining unit 140 identifies the account of the user that corresponds to the user identification information, and obtains the balance of the identified account as balance information.

[0049] The balance of the user's account may be managed by the payment processing system 100 or by an external information processing system different from the payment processing system 100.

[0050] FIG. 4 is a diagram showing an example of balance information stored in storage unit 110. The balance information stored in storage unit 110 includes, for example, a user ID and balance content information. The user ID is user identification information that identifies a user or a user's account. The balance content information is information indicating the balance (for example, the balance value). The balance unit may be currency or any other unit of value (for example, points).

[0051] The calculation unit 150 calculates the available amount that the user can use at a specified payment destination using at least a portion of the balance based on the adjustment information and balance information set for each specified payment destination, and stores available amount information regarding the calculated available amount in the memory unit 110.

[0052] When the adjustment information is information indicating a predetermined multiplier, the calculation unit 150 can calculate the available amount by multiplying the balance indicated by the balance information by the predetermined multiplier indicated by the adjustment information. Also, when the adjustment information is information indicating a predetermined addition amount, the calculation unit 150 can calculate the available amount by adding the balance indicated by the balance information to the predetermined addition amount indicated by the adjustment information.

[0053] The available amount may be greater than the balance. In this case, the adjustment information may be information indicating a positive multiplier or a positive addition amount. This allows the user to at least enjoy the economic benefit of being able to use payment processing system 100 to allocate an amount greater than the balance to a payment.

[0054] Furthermore, when the payment destinations include a first payment destination and a second payment destination, the calculation unit 150 can calculate the available amount for each payment destination. That is, the calculation unit 150 can calculate a first available amount available to the first payment destination based on the first adjustment information, and can calculate a second available amount available to the second payment destination based on the second adjustment information. In this case, the first available amount and the second available amount may be different amounts. This allows the payment destination to utilize payment processing through the payment processing system 100 as part of a sales promotion support, for example, and also allows the user to prioritize use of payment destinations with high economic value, for example.

[0055] 5 shows an example of available amount information stored in storage unit 110. The available amount information stored in storage unit 110 includes, for example, a user ID and available amount content information. The available amount content information is, for example, information indicating the available amount (for example, the value of the available amount). The available amount may be in currency or any value unit (for example, points available at the payment destination).

[0056] The notification unit 160 notifies the user device 200 of at least one of the setting of the adjustment information and the information on the available amount.

[0057] When the adjustment information is set in the adjustment information setting unit 130, the notification unit 160 notifies the user device 200 that the adjustment information has been set. At this time, the notification unit 160 can notify the user device 200 of the set adjustment information, for example.

[0058] Here, the setting of adjustment information includes, for example, the setting of new adjustment information corresponding to a predetermined payment destination, and the change of the adjustment information. When the adjustment information set in the adjustment information setting unit 130 is changed, the notification unit 160 can notify the user device 200 that the adjustment information has been changed. At this time, the notification unit 160 can notify the user device 200 of, for example, the changed adjustment information. This allows the payment processing system 100 to encourage the user to make payments using the available balance.

[0059] The notification unit 160 may notify the adjustment content information as information related to the setting of the adjustment information. Furthermore, the notification unit 160 may notify information related to the expiration date of the adjustment content information in addition to the adjustment content information as information related to the setting of the adjustment information.

[0060] Furthermore, the notification unit 160 may notify the user device 200 that the adjustment information will be changed at a predetermined timing. Specifically, for example, when a condition for setting the adjustment information is satisfied, the notification unit 160 may notify the user device 200 of the condition together with a message that the adjustment information will be changed as a result of the condition being satisfied. At this time, for example, when the condition for setting the adjustment information is expected to be satisfied (for example, when fine weather or rainy weather is predicted based on the weather forecast), the notification unit 160 may notify the user device 200 of the condition together with a message that the adjustment information will be changed as a result of the condition being satisfied.

[0061] Furthermore, the notification unit 160 may notify, as the information regarding the available amount, for example, information that the available amount has been calculated. In this case, the notification unit 160 can notify the user device 200 of the information regarding the available amount when the adjustment information is changed or when the available amount is calculated. This allows the payment processing system 100 to encourage the user to make payments using the available amount.

[0062] Furthermore, the notification unit 160 may notify the user device 200 of at least one of a change in the adjustment information and information related to the available amount, based on an instruction received from the payment destination device 300. This allows the payment destination to prompt the user to make a payment with the payment destination through the payment processing system 100.

[0063] The payment processing unit 170 performs payment processing within the available amount for a predetermined payment amount between the user and a predetermined payment destination based on the available amount.

[0064] The payment processing unit 170 can perform payment processing, including subtraction processing for subtracting the usage amount calculated based on the payment amount and adjustment information from the balance.

[0065] Specifically, the payment processing unit 170 first acquires payment amount information indicating the payment amount from at least one of the user device 200 and the payment destination device 300. Next, the payment processing unit 170 calculates the usage amount necessary to pay the payment amount indicated by the payment amount information based on the payment amount information and the adjustment information. Then, the payment processing unit 170 subtracts the usage amount from the balance of the user's account.

[0066] If the adjustment information indicates a predetermined multiplier, the payment processing unit 170 can calculate the usage amount by, for example, multiplying the payment amount by the reciprocal of the predetermined multiplier. Also, if the adjustment information indicates a predetermined addition amount, the payment processing unit 170 can calculate the usage amount by, for example, subtracting the predetermined addition amount from the payment amount.

[0067] The payment processing unit 170 can perform payment processing including a transmission process for transmitting the usage amount to the payment destination. The transmission process may be a process for adding the usage amount to the balance of the payment destination's account, or a process for transferring the usage amount to the payment destination by a predetermined method.

[0068] FIG. 6 is a flowchart showing an example of processing in the payment processing system 100.

[0069] First, the reference information acquisition unit 120 acquires reference information (S601). The adjustment information setting unit 130 sets adjustment information (S602). The notification unit 160 notifies the user device 200 of the set adjustment information (S603).

[0070] Next, the balance acquisition unit 140 acquires the balance information (S604). The calculation unit 150 calculates the available balance based on the adjustment information and the balance information (S605). The payment processing unit 170 performs payment processing based on the available balance (S606).

[0071] The above describes one embodiment of the present invention. The payment processing system 100 acquires balance information and calculates the available amount for a specific payment destination based on the balance information and adjustment information set for each specific payment destination. This allows the payment processing system 100 to improve the convenience of payments using balances.

[0072] Furthermore, the payment processing system 100 can perform payment processing within the available balance for a predetermined payment amount between a user and a predetermined payment destination based on the available balance. The payment processing system 100 can also perform payment processing including a subtraction process that subtracts the usage amount calculated based on the payment amount and adjustment information from the balance. This allows the payment processing system 100 to improve the convenience of payments using the balance.

[0073] Furthermore, the payment processing system 100 can calculate an available amount that is greater than the balance, which allows the payment recipient to utilize payment processing through the payment processing system 100 as a form of sales promotion support, for example.

[0074] Furthermore, the payment processing system 100 can calculate a first available amount available at a first payment destination and a second available amount available at a second payment destination, which are different from each other. This allows the payment destination to use payment processing through the payment processing system 100 as part of a sales promotion support, for example, and allows the user to prioritize use of payment destinations with high economic value.

[0075] Furthermore, the payment processing system 100 can calculate the available amount based on adjustment information that is changed based on at least one of the busyness and sales status of a given payment recipient. This allows the payment recipient to utilize payment processing through the payment processing system 100 as part of sales promotion support, for example.

[0076] Furthermore, the payment processing system 100 can calculate the available amount based on adjustment information that is changed based on instructions received from the payment destination device of a specific payment destination. This allows the payment destination to utilize payment processing through the payment processing system 100 as part of sales promotion support, for example.

[0077] Furthermore, the payment processing system 100 can notify the user device 200 of at least one of the adjustment information setting and information regarding the available amount. This allows the user to understand at least one of the adjustment information and the available amount, and to prioritize use of payment destinations with high economic value.

[0078] It should be noted that the present embodiment is provided to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention may be modified or improved without departing from the spirit thereof, and equivalents thereof are also included in the present invention.

[0079] In addition, in the present invention, a "unit" does not simply mean a physical means, but also includes cases where the functions of the "unit" are realized by software. Furthermore, the functions of one "unit" or device may be realized by two or more physical means, devices, or software modules, and the functions of two or more "units" or devices may be realized by one physical means, device, or software module. [Explanation of symbols]

[0080] 100 payment processing system, 110 storage unit, 120 reference information acquisition unit, 130 adjustment information setting unit, 140 balance acquisition unit, 150 calculation unit, 160 notification unit, 170 payment processing unit, 200 user device, 300 payment destination device

Claims

1. On the computer, a balance acquisition unit that acquires balance information regarding a balance available for payment by a user; a calculation unit that calculates an available amount that the user can use at the specified payment destination using at least a portion of the balance based on the balance information and adjustment information related to adjustment of the available amount when making a payment using the balance, the adjustment information being set for each specified payment destination; A payment processing program that realizes this.

2. The payment processing program of claim 1 further causes the computer to realize a payment processing unit that performs payment processing within the available amount for payment of a specified payment amount between the user and the specified payment destination based on the available amount.

3. The computer-readable storage medium according to claim 2 , wherein the payment processing unit performs the payment processing, including subtracting a usage amount calculated based on the payment amount and the adjustment information from the balance.

4. 4. The payment processing program according to claim 1, wherein the available amount includes an amount greater than the balance.

5. the predetermined payment destination includes a first payment destination and a second payment destination, a first available amount available at the first payment destination and a second available amount available at the second payment destination are different amounts; The payment processing program according to any one of claims 1 to 3.

6. 4. The payment processing program according to claim 1, wherein the adjustment information is changed based on at least one of a busy state or a sales state of the predetermined payment destination.

7. 4. The payment processing program according to claim 1, wherein the adjustment information is changed based on an instruction received from the payment destination device of the predetermined payment destination.

8. 4. The payment processing program according to claim 1, further comprising a notification unit configured to notify a user device of the user of information relating to the available amount.

9. The payment processing program according to any one of claims 1 to 3, further comprising a notification unit configured to notify a user device of the user of the setting of the adjustment information.

10. a balance acquisition unit that acquires balance information regarding a balance available for payment by a user; a calculation unit that calculates an available amount that the user can use at the specified payment destination using at least a portion of the balance based on the balance information and adjustment information related to adjustment of the available amount when making a payment using the balance, the adjustment information being set for each specified payment destination; A payment processing system comprising:

11. The computer Obtain balance information regarding the balance available for payment by the user; calculating an available amount that the user can use at the specified payment destination using at least a portion of the balance based on the balance information and adjustment information related to adjustment of the available amount when making a payment using the balance, the adjustment information being set for each specified payment destination; Payment processing methods.

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