Information processing program, information processing system, and information processing method

Abstract

To provide a settlement service capable of suppressing an increase in transaction details and improving user convenience.SOLUTION: An information processing device includes: a management unit configured to manage information related to a first account and information related to a second account that can be used within an upper limit amount set for the first account in association with each other; a settlement control unit configured to control execution of settlement using the second account in a predetermined period of time based on a difference between the upper limit amount and a total amount of use of the second account in the predetermined period of time; a billing processing unit configured to execute a process of billing a sum of usage amounts of the second account as one usage detail of the first account with an apparatus of a provider providing the first account; and an output unit configured to output first detail information indicating each usage detail of the first account, the first detail information including a sum of usage amounts of the second account as one usage detail of the first account.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] Conventionally, small-amount payments (e.g., relatively small payments of around several hundred yen) using credit cards or debit cards have been used at convenience stores, vending machines, etc. For example, Non-Patent Document 1 describes that by making small-amount payments using a credit card at a convenience store, payment procedures can be completed quickly without having to search for coins.

[0003] In addition to the small-amount payments using credit cards and debit cards, small-amount payments using pre-charged electronic money (for example, various electronic money such as those for transportation, retail, credit cards, or QR code payments) are also in use. For example, Non-Patent Document 1 describes that small-amount payments using pre-charged electronic money with a credit card can be completed more quickly than small-amount payments using a credit card because signatures are not required regardless of the payment amount. [Prior art documents] [Non-patent literature]

[0004] [Non-Patent Document 1] “A thorough analysis of the advantages and disadvantages of small-amount credit card payments”, [online], December 19, 2023, [Retrieved March 22, 2024], Internet, <URL: https: / / www.a-tm.co.jp / top / creditcard / creditcard-hajimete / creditcard-how-to-pay / small-sum / > Summary of the Invention [Problem to be solved by the invention]

[0005] However, when small-amount payments are made using credit cards or debit cards, the number of small-amount transactions in a given period tends to be larger than the number of large-amount transactions (e.g., relatively large payments of several thousand to several tens of thousands of yen). This results in a large number of credit card or debit card statements, making it difficult for users to grasp the actual status of their own transactions.

[0006] Furthermore, when making small payments using pre-charged electronic money, it is possible to prevent the increase in credit card bills, but the need to pre-charge the electronic money reduces user convenience.

[0007] The present disclosure has been made in consideration of such circumstances, and one of its objectives is to provide a payment service that can prevent the increase in usage details due to small payments and improve user convenience. [Means for solving the problem]

[0008] An information processing program according to one embodiment of the present disclosure causes one or more computers to function as: a management unit that associates and manages information regarding a first account with information regarding a second account that can be used within a maximum amount set for the first account; a payment control unit that controls the execution of payments using the second account during a specified period based on the difference between the maximum amount and the total amount of usage for the second account during the specified period; a billing processing unit that executes a process between a device of a business operator that provides the first account and the first account to bill the total amount of usage for the second account as one usage statement for the first account; and an output unit that outputs first statement information showing each usage statement for the first account, the first statement information including the total amount of usage for the second account as one usage statement for the first account.

[0009] An information processing system according to another aspect of the present disclosure includes a management unit that associates and manages information regarding a first account and information regarding a second account that can be used within a maximum amount set for the first account; a payment control unit that controls the execution of payments using the second account during a specified period based on the difference between the maximum amount and the total amount of usage for the second account during the specified period; a billing processing unit that executes a process between an apparatus of a business operator that provides the first account and the first account to bill the total amount of usage for the second account as one usage statement for the first account; and an output unit that outputs first statement information showing each usage statement for the first account, the first statement information including the total amount of usage for the second account as one usage statement for the first account.

[0010] An information processing method according to another aspect of the present disclosure comprises one or more information processing devices that associate and manage information regarding a first account and information regarding a second account that can be used within a maximum amount set for the first account, control the execution of payments using the second account during a specified period based on the difference between the maximum amount and the total amount of usage for the second account during the specified period, execute a process between the device of a business providing the first account and the device to bill the total amount of usage for the second account as a single usage statement for the first account, and output first statement information showing each usage statement for the first account, the first statement information including the total amount of usage for the second account as a single usage statement for the first account. [Effects of the Invention]

[0011] According to one aspect of the present disclosure, a payment service can be provided that can prevent an increase in usage details due to small payments and improve user convenience. [Brief explanation of the drawings]

[0012] [Figure 1] FIG. 1 is a conceptual diagram of a payment service according to an embodiment of the present invention. [Figure 2]1 is a diagram illustrating an example of a schematic configuration of an information processing system 1 according to the present embodiment. [Figure 3] 1 is a diagram illustrating an example of a hardware configuration of each device in an information processing system 1 according to the present embodiment. [Figure 4] 1 is a diagram illustrating an example of a functional configuration of an information processing system 1 according to the present embodiment. [Figure 5] 10A and 10B are diagrams illustrating an example of user account information and auxiliary account information according to the embodiment. [Figure 6] FIG. 10 is a diagram showing an example of usage history information of an auxiliary account according to the embodiment. [Figure 7] FIG. 2 is a diagram illustrating an example of an operation of the information processing system 1 according to the present embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0013] An information processing system according to an embodiment of the present invention will be described in detail below with reference to the drawings. In the following description of the drawings, the same or similar parts are denoted by the same or similar reference numerals.

[0014] Fig. 1 is a conceptual diagram of an example of a payment service according to this embodiment. As shown in Fig. 1, in the information processing system according to this embodiment, a user's first account (hereinafter referred to as a "user account") is associated with a second account (hereinafter referred to as an "auxiliary account") that can be used within a limit set for the user account. For example, in Fig. 1, a user account "UA1" is associated with an auxiliary account "AA1."

[0015] The user account may be provided to the user by a payment service provider and has a settlement function. On the other hand, the auxiliary account itself does not have a settlement function, and the settlement function of the user account is used to settle payments made using the auxiliary account. The settlement function, for example, settles the total amount used in the auxiliary account over a specified period after the fact.

[0016] For example, as shown in Figure 1, a user uses auxiliary account "AA1" for payment within the upper limit set for user account "UA1." Payments using auxiliary account "AA1" are expected to be smaller than payments using user account "UA1," but are not limited to this.

[0017] In Fig. 1, a process (hereinafter referred to as "billing process") is executed between the service provider device (not shown) that provides the user account "UA1" to bill the total amount of usage of auxiliary account "AA1" for "29,000 yen" for a predetermined period (here, the month of February) as one of the usage amounts for user account "UA1." This limits usage of auxiliary account "AA1" to the upper limit set for user account "UA1" even without pre-charging auxiliary account "AA1," making it possible to provide a post-pay payment service that can prevent payments from increasing due to the accumulation of small payments.

[0018] Also, as shown in FIG. 1, first statement information showing each transaction detail for user account "UA1" is output. Here, each transaction detail may include, for example, at least one of the date of use, the amount used, and the content of the use for the user account. For example, the first statement information includes, as one transaction detail for user account "UA1," the total transaction amount for auxiliary account "AA1" for a predetermined period (here, the month of February), which is "29,000 yen." By outputting first statement information in which the total transaction amount for auxiliary accounts for the predetermined period is listed as a single transaction amount for user account "UA1" in one line of the transaction detail, it is possible to prevent an increase in the number of transaction details due to small payments, and to prevent users from having difficulty understanding the actual state of their transactions.

[0019] Furthermore, as shown in FIG. 1, in response to an inquiry request from a user of auxiliary account "AA1" or user account "UA1," second statement information showing each usage detail of auxiliary account "AA1" for a predetermined period (here, the month of February) is output. Here, each usage detail may include, for example, at least one of the usage date, usage amount, and usage content of the auxiliary account. In this way, by outputting second statement information showing each usage detail of auxiliary account "AA1" in response to a user's inquiry request, it is possible to grasp in detail the usage status of the auxiliary account that cannot be grasped from the first statement information.

[0020] 1, the user account "UA1" and the auxiliary account "AA1" are used by the same user, but this is not limited to this and they may be used by different users. For example, a parent may use the user account "UA1" with a settlement function, and a child may use the auxiliary account "AA1" without a settlement function.

[0021] (composition) <Outline configuration> Fig. 2 is a diagram showing a schematic configuration of an information processing system according to this embodiment. As shown in Fig. 2, the information processing system 1 includes an information processing device 10, a user terminal 20, a business operator device 30, and a payment device 40, at least two of which are connected via a network 50. Note that the information processing device 10 may include one or more information processing devices. Also, Fig. 2 is merely an example, and a plurality of user terminals 20, a plurality of business operator devices 30, and a plurality of payment devices 40 may be connected to the network 50.

[0022] The information processing device 10 manages a user account provided to a user by a payment service provider in association with an auxiliary account that can be used within a limit set for the user account. The limit can be referred to as a credit limit if the user account is associated with a credit card, or as a deposit limit if the user account is associated with a debit card.

[0023] The user terminal 20 is a terminal used by a user of at least one of the user account and the auxiliary account, and may be, for example, a smartphone, a tablet, a personal computer, etc. An application for using at least one of the user account and the auxiliary account may be installed in the user terminal 20. Note that the user account and the auxiliary account may be used on the same user terminal 20, or may be used on different user terminals 20.

[0024] The business device 30 is a device of a business that provides a user account, and is composed of one or more information processing devices. The business may be, for example, a financial institution (e.g., a bank, a securities company, a credit card company, etc.), a fund transfer service provider, etc., but is not limited to these, and may be any business that provides a user account. Note that the auxiliary account need only be associated with the user account and does not necessarily have to be provided by the business device. The business device 30 performs processing related to billing for the amount used for the user account.

[0025] The payment device 40 is a device that performs payment using an auxiliary account, and may be, for example, a store cash register terminal, a tablet, a smartphone, etc. For example, the payment device 40 may execute payment using the auxiliary account with a user terminal 20 that uses the auxiliary account.

[0026] The network 50 is a wireless and / or wired network, and connects at least two of the information processing device 10, the user terminal 20, the business operator device 30, and the payment device 40.

[0027] <Hardware configuration> 3 is a diagram showing an example of the hardware configuration of each device according to this embodiment. Each device (e.g., information processing device 10, user terminal 20, business operator device 30, payment device 40, etc.) has a processor 11 such as a CPU (Central Processing Unit) equivalent to a computing device, a storage unit 12, a transmission / reception unit 13, and an input / output unit 14. These components are connected via a bus so that they can transmit and receive data to and from each other.

[0028] The processor 11 is, for example, a CPU (Central Processing Unit) and controls each device in the information processing system 1. The processor 11 may execute various processes described in this embodiment by reading and executing a program from the storage unit 12. Each device in the information processing system 1 may be configured with one or more processors 11. Furthermore, each device may be called a computer.

[0029] The storage unit 12 is configured with, for example, storage such as a memory, a hard disk drive (HDD), and / or a solid state drive (SSD), etc. The storage unit 12 may store various information necessary for the processor 11 to execute processing (for example, a program executed by the processor 11, etc.).

[0030] The transceiver 13 is a device that communicates via the network 50 and may include, for example, a network card, a communication module, a chip, an antenna, etc. The transceiver 13 may include a transmitter that transmits various types of information via the network 50 and / or a receiver that receives various types of information via the network 50.

[0031] The input / output unit 14 includes an input unit such as a keyboard, a touch panel, a mouse, and / or a microphone, and an output unit such as a display and / or a speaker. The input unit accepts input of various information from a user. The output unit may also include a display unit that displays various information to the user.

[0032] The physical configuration described above is merely an example. Each device in the information processing system 1 may omit some of the hardware shown in Fig. 3, or may include hardware not shown in Fig. 3. Furthermore, the hardware shown in Fig. 3 may be configured using one or more chips.

[0033] The hardware configuration described above is merely an example. Each information processing device may omit some of the hardware shown in FIG. 3, or may include hardware not shown in FIG. 3. The hardware shown in FIG. 3 may be configured with one or more chips. When an information processing device is configured with multiple devices, each device may include at least some of the hardware.

[0034] <Functional configuration> Fig. 4 is a diagram showing an example of the functional configuration of the information processing device 10 according to this embodiment. As shown in Fig. 4, the information processing device 10 includes an acquisition unit 101, a management unit 102, a payment control unit 103, a billing processing unit 104, and an output unit 105. The management unit 102 may be realized by a program executed by the storage unit 12 and processor 11 of the information processing device 10. The payment control unit 103 and billing processing unit 104 may be realized by a program executed by the processor 11. The acquisition unit 101 and the output unit 105 may be realized by at least a part of the program executed by the transmission / reception unit 13, input / output unit 14, and processor 11 of the information processing device 10.

[0035] The acquisition unit 101 acquires various information from the user terminal 20, the business operator device 30, or the payment device 40. For example, the acquisition unit 101 may acquire the information received from the user terminal 20, the business operator device 30, or the payment device 40 via the transmission / reception unit 13 of the information processing device 10.

[0036] Specifically, the acquisition unit 101 may acquire payment information related to payment using the auxiliary account from the payment device 40. Furthermore, the acquisition unit 101 may acquire from the user terminal 20 a registration request requesting registration of information related to the user account (hereinafter referred to as "user account information") and information related to the auxiliary account (hereinafter referred to as "auxiliary account information").

[0037] The acquisition unit 101 may also acquire, from a user terminal 20 using the user account, a request for inquiry about information indicating each usage detail of the auxiliary account (hereinafter referred to as "first detailed information"). The acquisition unit 101 may also acquire, from a user terminal 20 using the auxiliary account or the user account, a request for inquiry about information indicating each usage detail of the auxiliary account (hereinafter referred to as "second detailed information"). The acquisition unit 101 may also acquire, from a user terminal 20 using the auxiliary account, a request for increasing the upper limit amount of the auxiliary account set for the user account.

[0038] The management unit 102 manages user account information related to a user account and auxiliary account information related to an auxiliary account that can be used within the upper limit amount set for the user account in association with each other.

[0039] The user account information may include, for example, at least one of identification information of the user account (hereinafter referred to as user account identification information), the type of payment using the user account (hereinafter referred to as "payment type information"), information about the business that provides the user account (hereinafter referred to as "business information"), and information about the user of the user account (hereinafter referred to as "user information").

[0040] The auxiliary account information may include, for example, at least one of identification information of the auxiliary user account (hereinafter referred to as "auxiliary account identification information"), information indicating the maximum amount of usage of the auxiliary account (hereinafter referred to as "maximum amount information"), information regarding the period for executing the process of billing the user account for the total amount of usage of the auxiliary account (hereinafter referred to as "billing cycle information"), information indicating whether the maximum amount can be increased (hereinafter referred to as "increase possibility information"), and information indicating the amount by which the maximum amount can be increased if an increase in the maximum amount is possible (hereinafter referred to as "increase amount information").

[0041] Fig. 5 is a diagram showing an example of user account information and auxiliary account information according to this embodiment. For example, as shown in Fig. 5, the management unit 102 manages user account information, such as user account identification information, payment type information, business operator information, and user information, as well as auxiliary account information, such as auxiliary account identification information, billing cycle information, upper limit amount information, increase possibility information, and increase amount information, in association with each other.

[0042] 5 is merely an example, and the distinction between user account information and auxiliary account information is merely for convenience. For example, at least one of the upper limit amount information, billing cycle information, increase possibility information, and increase amount information relates to the user account in the sense of the upper limit amount of the auxiliary account set for the user account, and therefore may of course be managed as user account information.

[0043] The management unit 102 may also manage information regarding the usage history of payments using the auxiliary account (hereinafter referred to as "usage history information") based on the payment information acquired by the acquisition unit 101. The usage history information may include, for example, auxiliary account identification information and information indicating at least one of the usage date, usage amount, usage destination, and usage details of payments using the auxiliary account.

[0044] Fig. 6 is a diagram showing an example of usage history information of an auxiliary account according to this embodiment. For example, as shown in Fig. 6, the management unit 102 may manage, as usage history information, auxiliary account identification information that identifies an auxiliary account, and information indicating the date of use, amount used, destination of use, and usage details of payments made using the auxiliary account. As shown in Fig. 6, the usage details may indicate the content of payments made using the auxiliary account.

[0045] The payment control unit 103 controls the execution of payments using the auxiliary account. Specifically, the payment control unit 103 may control the execution of payments using the auxiliary account during a predetermined period based on the difference between the upper limit indicated by the upper limit information managed by the management unit 102 and the total amount used in the auxiliary account during the predetermined period.

[0046] Specifically, if the planned amount of payment using the auxiliary account is equal to or less than the difference between the upper limit and the total amount used in the auxiliary account over a specified period, the payment control unit 103 may execute the payment and add the planned amount to the total amount used in the auxiliary account. On the other hand, if the planned amount of payment using the auxiliary account is greater than the difference, the payment control unit 103 may cancel the execution of the payment. Alternatively, if the planned amount of payment using the auxiliary account is greater than the difference, the payment control unit 103 may increase the upper limit indicated by the upper limit information managed by the management unit 102 in response to a request for an increase from the user of the auxiliary account.

[0047] For example, as shown in FIG. 5, the upper limit for usage of auxiliary account "AA1" set for user account "UA1" is "30,000 yen," and the billing cycle for user account "UA1" is monthly. Also, as shown in FIG. 1, if the total usage amount of auxiliary account "AA1" from February 1 to February 27, 2024, is "29,000 yen," the difference between the upper limit of "30,000 yen" and the total usage amount of "29,000 yen" for the specified period (February 2024) is "1,000 yen." In this case, although not shown, if the planned amount of payment using auxiliary account "AA1" on February 29, 2024, is 1,000 yen or less, the payment control unit 103 may execute the payment and add the planned amount to the total usage amount of the auxiliary account. On the other hand, if the planned amount is greater than 1,000 yen, the payment control unit 103 may cancel the execution of the payment, or may increase the upper limit amount managed by the management unit 102 so that the planned amount is greater than or equal to the difference between the upper limit amount and the total amount used during the specified period.

[0048] In Figure 1, the difference between the upper limit amount of "30,000 yen" and the total usage amount of "29,000 yen" for the specified period (February 2024) remains "1,000 yen," and no payment is made using auxiliary account "AA1" from February 28, 2024 to February 29, 2024, and the first detail information is output, including the total usage amount of the auxiliary account for the specified period (for example, February 2024) of "29,000 yen" as one usage detail for user account "UA1" on a specified date and time (here, the last day of February 2024).

[0049] The billing processor 104 executes a process of billing the total amount of usage for the auxiliary accounts for a predetermined period as one usage statement for the user account, in cooperation with the business operator device 30 of the business operator that provides the user accounts. Specifically, the billing processor 104 may derive the total amount of usage for each auxiliary account for a predetermined period based on the usage history information managed by the management unit 102, and execute a process of billing the total amount of usage for each auxiliary account as one usage statement for the user account associated with each auxiliary account, in cooperation with the business operator device 30.

[0050] For example, the billing processor 104 derives the total usage amount of "29,000 yen" for auxiliary account "AA1" for a predetermined period (February 2024) based on the usage history information shown in FIG. 6. Furthermore, as shown in FIG. 1, the billing processor 104 may execute processing with the business operator device 30 to bill the total usage amount of "29,000 yen" for the predetermined period (February 2024) as one usage statement for user account "UA1" associated with auxiliary account "AA1." In this way, in FIG. 1, each payment executed using auxiliary account "AA1" within the predetermined period is not settled by auxiliary account "AA1," but the total usage amount for auxiliary account "AA1" for the predetermined period is billed to user account "UA1" associated with auxiliary account "AA1," and billing processing with the business operator device 30 is executed as one usage statement for user account "UA1."

[0051] The output unit 105 outputs first statement information indicating each usage detail of the user account. Specifically, the output unit 105 outputs first statement information including the total usage amount of the auxiliary account as one usage detail of the user account. For example, in FIG. 1, the output unit 105 outputs first statement information including the total usage amount of "29,000 yen" using the auxiliary account "AA1" during a predetermined period (February 2024) as one usage detail of the user account "UA1."

[0052] In addition, the output unit 105 may output second detailed information indicating each usage detail of the auxiliary account for a predetermined period in response to an inquiry request from the user terminal 20 that uses the user account or the auxiliary account. For example, in FIG. 1, the output unit 105 may output second detailed information indicating each usage detail of the auxiliary account "AA1" for a predetermined period (February 2024).

[0053] (operation) Next, the operation of the information processing system 1 according to this embodiment will be described. Fig. 7 is a diagram showing an example of the operation of the information processing system 1 according to this embodiment. Note that Fig. 7 is merely an example, and the order of some steps may be changed, steps not shown may be added, or some steps may be omitted.

[0054] 7, in step S101, the information processing device 10 acquires a registration request including at least one of user account information and auxiliary account information from the user terminal 20 that uses the user account. In step S102, the information processing device 10 manages the user account information and the auxiliary account information in association with each other in response to the registration request from step S101 (for example, FIG. 5). Note that steps S101 and S102 may be omitted after management of the user account information and the auxiliary account information has begun, and the management contents (for example, FIG. 5) may be updated in response to a request from the user terminal 20.

[0055] In step S103, the payment device 40 determines whether or not a payment has been made using the auxiliary account. If a payment has been made using the auxiliary account (step S103; YES), in step S104, the information processing device 10 acquires payment information related to the payment using the auxiliary account from the payment device 40. If a payment has not been made using the auxiliary account (step S103; NO), the information processing device 10 repeats step S103.

[0056] In step S105, the information processing device 10 updates the usage history information (for example, FIG. 6) of the auxiliary account based on the payment information acquired in step S104.

[0057] In step S106, the information processing device 10 determines whether a predetermined period has elapsed. If the predetermined period has not elapsed (step S106; NO), the information processing device 10 returns to step S103. If the predetermined period has elapsed (step S106; YES), the information processing device 10 derives the total amount of usage of the auxiliary account during the predetermined period in step S107. For example, the information processing device 10 derives the total amount of usage of the auxiliary account "AA1" during the predetermined period (February 2024) of "29,000 yen" based on the usage history information shown in FIG. 6.

[0058] In step S108, the information processing device 10 executes processing with the business operator device 30 of the business operator that provides the user account to bill the total amount of usage for the auxiliary account for a predetermined period as one usage statement for the user account. For example, in FIG. 1, the information processing device 10 may execute processing with the business operator device 30 to bill the total amount of usage for the predetermined period (February 2024) of "29,000 yen" as one usage statement for the user account "UA1" associated with the auxiliary account "AA1."

[0059] In step S109, the information processing device 10 outputs first statement information including the total amount of usage of the auxiliary account as one statement of usage for the user account. For example, in Fig. 1, the output unit 105 outputs first statement information including the total amount of usage using the auxiliary account "AA1" for a predetermined period (February 2024), "29,000 yen," as one statement of usage for the user account "UA1."

[0060] In addition, at a predetermined timing in Figure 7 (for example, between steps S105 and S106), the information processing device 10 may output second detail information (for example, Figure 1) showing each usage detail of the auxiliary account ``AA1'' for a predetermined period (February 2024) in response to an inquiry request from a user terminal 20 using a user account or an auxiliary account.

[0061] As described above, in the information processing system 1 according to this embodiment, a maximum payment amount for payments using an auxiliary account is set for a user account, and the total amount spent on the auxiliary account over a predetermined period is charged as one of the amounts spent on the user account. Therefore, even if the auxiliary account is not pre-charged, the use of the auxiliary account is limited to the maximum amount set for the user account, making it possible to provide a post-pay payment service that prevents an increase in payments due to the accumulation of small payments.

[0062] In addition, in the information processing system 1 of this embodiment, by outputting first statement information in which the total amount used in the auxiliary account over a specified period is listed as one statement of the user account (i.e., listed on one line), it is possible to prevent the increase in statement of usage due to small payments and to prevent users from having difficulty understanding the actual state of their transactions.

[0063] Furthermore, in the information processing system 1 according to this embodiment, second statement information including details of each usage of the auxiliary account over a predetermined period is displayed in response to an inquiry request from a user of the user account or auxiliary account. This prevents a user from unknowingly making large payments due to an accumulation of small payments.

[0064] The above-described embodiments are intended to facilitate understanding of the present invention and are not intended to limit the present invention. The elements of the embodiments, as well as their arrangement, materials, conditions, shapes, sizes, etc., are not limited to those illustrated and can be modified as appropriate. Furthermore, configurations shown in different embodiments can be partially substituted or combined with each other. [Explanation of symbols]

[0065] 1...information processing system, 10...information processing device, 20...user terminal, 30...business operator device, 40...payment device, 50...network, 11...processor, 12...storage unit, 13...transmission / reception unit, 14...input / output unit, 101...acquisition unit, 102...management unit, 103...payment control unit, 104...billing processing unit, 105...output unit

Claims

1. One or more computers, a management unit that manages information about a first account and information about a second account that can be used within the upper limit set for the first account in association with each other; a payment control unit that controls execution of payments using the second account during a predetermined period based on the difference between the upper limit amount and the total amount of use of the second account during the predetermined period; a billing processing unit that executes a process of billing the total amount of usage of the second account as one usage statement of the first account between the device of the business that provides the first account and the second account; an output unit that outputs first statement information showing each transaction detail of the first account, the first statement information including a total transaction amount of the second account as one transaction detail of the first account; An information processing program that functions as a

2. the output unit outputs second statement information indicating each usage statement of the second account for the predetermined period in response to an inquiry request from a user of the first account or the second account. The information processing program according to claim 1.

3. When the estimated amount of payment using the second account is equal to or less than the difference, the payment control unit executes the payment and adds the estimated amount to the total amount used in the second account.

3. The information processing program according to claim 1.

4. the payment control unit cancels execution of the payment if the planned amount of the payment using the second account is greater than the difference; 4. The information processing program according to claim 3.

5. the payment control unit increases the upper limit amount in response to an increase request from the user of the second account when the planned amount of payment using the second account is greater than the difference; 4. The information processing program according to claim 3.

6. One or more information processing devices, a management unit that manages information about a first account and information about a second account that can be used within the upper limit set for the first account in association with each other; a payment control unit that controls execution of payments using the second account during a predetermined period based on the difference between the upper limit amount and the total amount of use of the second account during the predetermined period; a billing processing unit that executes a process of billing the total amount of usage of the second account as one usage statement of the first account between the device of the business that provides the first account and the second account; an output unit that outputs first statement information showing each transaction detail of the first account, the first statement information including a total transaction amount of the second account as one transaction detail of the first account; An information processing system comprising:

7. One or more information processing devices, managing information about a first account and information about a second account that can be used within the upper limit set for the first account in association with each other; controlling execution of settlement using the second account during a predetermined period based on the difference between the upper limit amount and the total amount of use of the second account during the predetermined period; a process of billing the total amount of usage of the second account as one usage statement of the first account between the device of the business operator that provides the first account and the device of the business operator that provides the first account; outputting first statement information showing each transaction detail of the first account, the first statement information including the total amount of transaction of the second account as one transaction detail of the first account; Information processing methods.

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