Information processing device, information processing method, and program

Abstract

We will propose an appropriate amount of funding using a simple method. [Solution] An information processing device comprising a preset maximum amount of funds to be provided and related to the customer. Based on the information provided, it includes a section that displays the necessary amount of funding that the customer can choose from. ru.

Description

Technical Field

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

Background Art

[0002] In a credit card company or the like, a usage limit is set to avoid the risk of not being able to collect the usage amount from customers. However, if the usage limit is set too low, the company's revenue will also not increase.

[0003] For example, Patent Document 1 describes a method of determining the usage limit so that the expected profit is maximized based on the usage amount of a customer over a predetermined period.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] In the method described in Patent Document 1, a usage probability distribution is obtained from the past usage amounts of customers, and the expected profit is calculated using the obtained usage probability distribution. A certain amount of past data accumulation and complex calculation processing are required. Therefore, it is a method that is difficult to apply when quickly providing funds to a retail store or the like.

[0006] The present invention has been made in view of the above-described circumstances, and one of its objects is to present an appropriate amount of funds provided by a simple method.

Means for Solving the Problems

[0007] An information processing device according to one embodiment of the present invention has a pre-set maximum amount of funds to be provided, A funding plan that displays the amount of money the customer can choose based on information about the customer. It is equipped with a display unit.

[0008] An information processing method according to one embodiment of the present invention involves a pre-set maximum amount of funds to be provided, A process that includes displaying the amount of money that the customer can choose based on information about the customer. That is the case.

[0009] A program according to one embodiment of the present invention controls a computer to a pre-set maximum Based on the amount of funding provided and information about the customer, the system displays the amount of the customer can choose from. It will function as a department for presenting funding plans. [Effects of the Invention]

[0010] According to the present invention, an appropriate amount of funding can be presented in a simple manner. [Brief explanation of the drawing]

[0011] [Figure 1] A diagram showing a schematic configuration of a funding system 1 according to an embodiment of the present invention. [Figure 2] A diagram showing the functional configuration of the fund provision management server 10 in a fund provision system 1 according to an embodiment of the present invention. [Figure 3] A flowchart showing an example of the process for acquiring customer information in a funding system 1 according to an embodiment of the present invention. [Figure 4] A flowchart showing an example of the process for setting a funding plan in a funding system 1 according to an embodiment of the present invention. [Figure 5] A diagram illustrating a funding service screen displayed on a customer terminal 20 in a funding system 1 according to an embodiment of the present invention. [Figure 6] A flowchart showing an example of the necessary amount setting process in the fund provision system 1 according to an embodiment of the present invention. [Figure 7] A diagram illustrating a display method of the necessary amount in the fund provision system 1 according to an embodiment of the present invention. [Figure 8] A flowchart showing an example of the deduction rate / deduction completion period setting process in the fund provision system 1 according to an embodiment of the present invention. [Figure 9] A diagram illustrating a display method of the deduction rate / deduction completion period in the fund provision system 1 according to an embodiment of the present invention. [Figure 10] A flowchart showing an example of the display process of the deduction amount on the fund provision service screen in the fund provision system 1 according to an embodiment of the present invention. [Figure 11] A diagram illustrating a display method of the deduction amount in the fund provision system 1 according to an embodiment of the present invention. [Figure 12] A flowchart showing an example of the flow of fund provision to customers in the fund provision system 1 according to an embodiment of the present invention. [Figure 13] A flowchart showing an example of the flow of the deduction process for customers who have received fund provision in the fund provision system 1 according to an embodiment of the present invention.

Embodiments for Carrying Out the Invention

[0012] Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Note that the same elements are denoted by the same reference numerals, and redundant explanations are omitted.

[0013] FIG. 1 is a diagram showing the configuration of the fund provision system 1 according to the present embodiment. As shown in FIG. 1 , the fund provision system 1 includes a fund provision management server (information processing device) 10, a customer terminal 20 , and a settlement agency service management server 30. The fund provision management server 10, the customer terminal 20, and the settlement agency service management server 30 are connected via a communication network N The communication network N includes, for example, the internet, LAN, telephone lines, and corporate networks. Network, mobile communication network, Bluetooth (registered trademark), WiFi (Wireless WiFi) y) any other communication line, or any combination thereof, and whether it is wired or not. It does not matter whether it is wireless or not. Also, there may be multiple customer terminals 20.

[0014] The fund provision management server 10 is a server that manages fund provision services to customers (stores, etc.). Yes. The fund management server 10 is a general-purpose computer, and it is a single computer. It may be configured as such, or it may be composed of multiple computers distributed on a communication network N. It may also be done. The fund management server 10 includes a control device 11 and a storage device 12. The control device 11 includes, as hardware, a CPU, memory such as ROM and RAM, and input inputs. Equipped with a tactile interface, output interface, communication interface, and bus connecting them. The control device 11 is configured so that the CPU executes a program stored in ROM or the like. It implements various functions. The storage device 12 is a hard disk drive, etc.

[0015] Figure 2 shows that the CPU of the control device 11 executes a program stored in ROM, etc. This is a block diagram showing the functional modules that are implemented. As shown in Figure 2, the functional modules The unit includes a customer information acquisition unit 111, a funding plan presentation unit 112, and a funding processing unit 113. It includes.

[0016] The storage device 12 has a customer information database 121 implemented in it. -121 contains the customer name (store name), account information (such as the account number for transfers when providing funds), etc. ), information such as the maximum available amount, and payment information obtained from the payment processing service management server 30. Information is stored. The maximum funding amount is predetermined for each customer. This is the maximum amount, calculated considering the likelihood of recovery. For example, in the past 12 months It can be determined based on the average monthly settlement amount.

[0017] Customer terminal 20 is a terminal used by customers to access funding services. User 20 This includes tablet devices, smartphones, laptops (personal computers), and PCs. It is a terminal that can communicate with the fund management server 10 via the communication network N. Customers can access the funding service site by operating the customer terminal 20, or by using a dedicated app. By launching the application and logging in using the previously obtained user ID and passcode, funds can be accessed. You can use the services provided.

[0018] The payment processing service management server 30 is a server that provides payment processing services for the customer's business. This is a credit card. Specifically, when a customer makes a purchase or dine at a store, the customer uses their credit card. When paying with cards, electronic money, QR codes (registered trademark), etc., a dedicated card reader is used. Payment processing is carried out through this system, and the sales amount collected from users is distributed over a certain period (for example, every month). The service provides a transfer service to the customer's account.

[0019] Next, the funding system 1 according to this embodiment provides to the customer (in this case, restaurant A) The funding process will be explained using flowcharts and screen diagrams.

[0020] First, the fund provision management server 10 receives information about the target customer from the payment processing service management server 30. Obtain the information. Figure 3 shows the process of obtaining customer information from the payment processing service management server 30. Here is an example flowchart.

[0021] First, the customer information acquisition unit 111 receives the target customer (drink) from the payment processing service management server 30. Obtain past payment information for restaurant A) (Step S101). Payment information includes, for example, recent The total amount of payments made over a certain period (for example, one year) from the payment processing service management server 30 to the customer. This is information regarding the transfer amount.

[0022] The customer information acquisition unit 111, based on the acquired payment information, will determine the next period (for example, one year) Predicting the amount to be transferred from the payment processing service management server 30 to restaurant A during the period ( (Tep S102).

[0023] Furthermore, the customer information acquisition unit 111 will determine if restaurant A has a certain period of time (for example, one year) Next, predict the probability of discontinuing the use of the payment processing service (Step S103). Probability prediction For example, decisions are made based on past data, such as the trend in settlement volume over the past year. You can do that.

[0024] The customer information acquisition unit 111 determines if the probability of the customer discontinuing the service exceeds a predetermined standard. (Step S104: YES) Decide not to provide funding to Restaurant A. Step S105). Even if the probability does not exceed the threshold (Step S104: NO), If restaurant A has stopped using the payment processing service at that time (Step S106: YES), decide not to provide funding to restaurant A (Step S107).

[0025] If the probability does not exceed the threshold and restaurant A is still using the service, then (step S106:NO), obtain information on restaurant A (basic customer information, past payment information, etc.) (S Step S108) Register the information in the customer information database 121 (Step S109).

[0026] Next, the fund provision management server 10 determines the contents of the fund provision plan to be presented to restaurant A. Figure 4 is a flowchart showing an example of the process for setting up a funding plan.

[0027] The funding plan presentation unit 112 retrieves information on restaurant A from the customer information database 121. In addition, the monthly payment processing service management server 30 for a certain period (in this case, 12 months) Then, calculate the estimated transfer amount to the customer (information about the customer) (Step S201).

[0028] Next, the funding plan presentation unit 112 presents a funding plan to restaurant A based on the calculated estimated transfer amount. Determine the content of the funding plan to be presented (Step S202). Specifically, the following is necessary Determine the required amount (funding amount) and the withdrawal rate / withdrawal completion period (repayment plan) based on the required amount. do.

[0029] The funding plan presentation unit 112 displays the details of the decided funding plan to the customer terminal of restaurant A. Displayed on 20 (step S203). Figure 5 shows the funding service displayed on the customer terminal 20. This is a diagram illustrating a service screen. The customer performs the required operations on the funding service screen. This allows for the contracting of funding.

[0030] The customer selects the required amount P1 and the withdrawal rate / withdrawal completion period P2 on the funding service screen. By operating the confirmation button B1, the contract for funding with the selected content will be completed. Step S204).

[0031] Figure 6 shows the setting of the required amount among the funding plans displayed on the funding service screen. A flowchart illustrates one example of the principle.

[0032] The funding plan presentation unit 112, based on the projected average monthly settlement amount of restaurant A, will provide a first-period plan. The first period (here, 1 month), the second period (here, 2 months), and the third period (here The predicted transfer amount for each of the three months is calculated (step S301). For example, the predicted average If the monthly settlement volume is 200,000 yen, the predicted transfer amount for the first period is 200,000 yen, and the predicted transfer amount for the second period is... The total amount is 400,000 yen, and the projected transfer amount for the third period is 600,000 yen.

[0033] The funding plan presentation unit 112 uses the customer information database 121 to determine the maximum funding amount for restaurant A. The amount to be provided is obtained, and the predicted transfer amount for the first period (in this case, 200,000 yen) is equal to the maximum amount of funds to be provided. Determine whether it is above or below (step S302). Note that here, the maximum funds of restaurant A The amount offered will be 1 million yen.

[0034] If the projected transfer amount for the first period is equal to or greater than the maximum amount of funds provided (Step S302: Y ES), the funding plan presentation unit 112 sets the maximum funding amount for restaurant A to the required amount. (Step S303).

[0035] On the other hand, if the projected transfer amount for the first period is less than the maximum amount of funds provided (Step S30) 2: NO), if the projected transfer amount for the second period (in this case, 400,000 yen) is greater than or equal to the maximum amount of funds provided Determine whether it exists or not (step S304).

[0036] If the projected transfer amount for the second period is equal to or greater than the maximum amount of funds provided (Step S304: Y ES), the funding plan presentation unit 112 provides the projected transfer amount for the first period and the maximum funding amount. Set the required amount (Step S305).

[0037] On the other hand, if the projected transfer amount for the second period is less than the maximum amount of funds provided (Step S30) 4: NO), if the projected transfer amount for the third period (in this case, 600,000 yen) is greater than or equal to the maximum amount of funds provided Determine whether it exists or not (step S306).

[0038] If the projected transfer amount for the third period is equal to or greater than the maximum amount of funds provided (Step S306: Y ES), the funding plan presentation section 112 provides the projected transfer amount for the first period and the projected amount for the second period. Set the transfer amount and the maximum amount of funds to the required amount (Step S307).

[0039] On the other hand, if the projected transfer amount for the third period is less than the maximum amount of funds provided (Step S30) 6:NO), the funding plan presentation section 112 presents the projected transfer amount for the first period and the projected transfer amount for the second period. Set the projected transfer amount and the projected transfer amount for the third period to the required amount (step S308).

[0040] As shown in Figure 5, the funding service screen displays the funds set by the funding management server 10. The details of the money provision plan are displayed. In Figure 5, P1 is the display section that shows the options for the required amount. (Slider, etc.) In the example shown in Figure 5, the pattern corresponding to step S308, The predicted transfer amount for the first period is 200,000 yen, the predicted transfer amount for the second period is 400,000 yen, and the second period is 200,000 yen. Three options are displayed for the estimated transfer amount (600,000 yen) for period 3. When setting it up, you can set the predicted transfer amount to a round number and set it as the required amount, or predict You can leave the transfer amount as is.

[0041] Figure 7 shows the representations corresponding to the four patterns of required amounts explained in the flowchart in Figure 6. This is a diagram illustrating how to do it. In the diagram, (a) is the pattern corresponding to step S308 (3 (If the projected transfer amount for the period is less than the maximum amount of funds provided) and the first period to the third period The predicted transfer amount is displayed as an option.

[0042] Figure (b) shows the pattern corresponding to step S307 (where the predicted transfer amount for the third period is the maximum). (If the amount is greater than or equal to the amount of funds provided), the projected transfer amount for the first period (in this case, 400,000 yen), the second The options are the estimated transfer amount for the period (800,000 yen in this case) and the maximum amount of funds provided (1,000,000 yen). It is displayed as follows.

[0043] Figure (c) shows the pattern corresponding to step S305 (where the predicted transfer amount for the second period is the maximum). (If the amount is greater than or equal to the amount of funds provided), and the estimated transfer amount for the first period (in this case, 500,000 yen) and the maximum The funding amount (1 million yen) is displayed as an option.

[0044] Figure (d) shows the pattern corresponding to step S303 (where the predicted transfer amount for the first period is the maximum). This applies to cases where the amount is greater than or equal to the amount of funding provided, and only the maximum amount of funding (1 million yen) is shown.

[0045] Next, using the flowchart in Figure 8, we will examine the withdrawal rate / withdrawal completion period within the funding plan. This section explains the setup process. The withdrawal rate / withdrawal completion period is determined by the customer who received the funds and is making the repayment. The repayment rate (for example, what percentage of the provided funds will be repaid per month) and the repayment period (for example) (How many months will it take to complete the repayment?) In the funding service screen shown in Figure 5, P2 This is a display section (such as a slider) that shows the options for the withdrawal rate / withdrawal completion period.

[0046] In this embodiment, the specific repayment method is the payment processing service management server 30 When the monthly payment is transferred to restaurant A, the amount to be repaid will be deducted from the transferred amount. This is based on the assumption that repayment will be made.

[0047] The funding plan presentation unit 112 presents the projected transfer for the first period calculated in step S301. The withdrawal rate / withdrawal rate corresponding to the amount, the estimated transfer amount for the second period, and the estimated transfer amount for the third period, respectively. Calculate the withdrawal completion period (Step S401). The withdrawal rate / withdrawal completion period is calculated for each period. Based on this, we will calculate two patterns: a "large / short" plan and a "small / long" plan. ru.

[0048] Furthermore, the funding plan presentation unit 112 displays the customer's selected information on the funding service screen. Based on the required amount, the corresponding withdrawal rate / withdrawal completion period will be displayed on the funding service screen. (Step S402).

[0049] Figure 9 illustrates the display patterns for the withdrawal rate / withdrawal completion period based on the selected required amount. This is a diagram. Figure 9(a) shows the required amount (200,000 yen) for the first period on the funding service screen. This is an example of how it will look when selected. As shown in the figure, the "More / Shorter" plan is "90 The payment will be completed in one month with a withdrawal rate of % (90% of the transfer amount will be withdrawn and used for repayment). The plan presented was a "little by little / longer" plan with a "20%" withdrawal rate for "5 months". It is suggested that the process be completed with "[...]".

[0050] Furthermore, Figure 9(b) shows that the required amount for the second period (400,000 yen) on the funding service screen is This is an example of how it will be displayed when selected, and in the "More / Shorter" plan, the withdrawal rate is "90%" and "2 It is stated that it will be completed in "months," and the "little by little / longer" plan is "25%." The withdrawal rate indicates that the process will be completed in "8 months". Similarly, Figure 9(c) shows the funding This is an example of how it will be displayed when the required amount for the third period (600,000 yen) is selected on the service screen. The "More / Shorter" plan offers a payment rate of "90%" and completion in "3 months". The "little by little / long-term" plan involves a 30% withdrawal rate and is completed in 10 months. This is presented. In this way, two repayment plans are displayed depending on the required amount. Customers can choose between the two plans.

[0051] When a customer selects the withdrawal rate / withdrawal completion period on the funding service screen, P appears in Figure 5. As shown in 3, the estimated month of completion of the withdrawal (estimated time of withdrawal completion) will be displayed (Step S4). 03). The estimated month of completion of withdrawal is calculated using the following formula based on the current date. It is calculated by adding the number of days for which withdrawals were made. Number of days for withdrawal = (Required amount + Service fee) / (Estimated transfer amount × Withdrawal rate)

[0052] In the example in Figure 5, "90% / 1 month" is selected, and the estimated month for the withdrawal completion is "2 It displays "November 2020". On the other hand, if "20% / 5 months" is selected, The estimated month in which the withdrawal will be completed will show a later date (for example, "June 2021").

[0053] Next, regarding the display process of the "withdrawal amount" on the funding service screen, see the flow in Figure 10. Let's explain using a chart. The withdrawal amount is the item shown as P4 in Figure 5, and the selected This shows an estimated actual withdrawal amount calculated based on the selected withdrawal rate / withdrawal completion period.

[0054] The funding plan presentation unit 112 predicts the payment processing service management service in step S201. By multiplying the average monthly transfer amount from 30 to the customer by the selected withdrawal rate, Calculate the estimated withdrawal amount (Step S501). For example, if the transfer amount is 200,000 yen, the withdrawal rate is / If the withdrawal completion period is set to "90% / 1 month", the estimated withdrawal amount is calculated to be 200,000 yen. It can be done.

[0055] Next, the funding plan presentation unit 112 determines that the estimated withdrawal amount calculated in step S501 is... Determine whether the amount of funding provided by restaurant A is greater than or equal to the maximum amount (in this case, 1 million yen) (step Step S502). If the estimated withdrawal amount is equal to or greater than the maximum amount of funds provided (Step S502:Y ES), the withdrawal amount is set to the maximum amount of funds provided plus the service usage fee, and the funds This is displayed on the service provision screen (Step S503). On the other hand, the estimated withdrawal amount is the maximum fund provision. If the amount is less than the specified amount (Step S502: NO), the withdrawal amount is calculated in Step S501. The estimated withdrawal amount is set and displayed on the fund provision service screen (Step S504). .

[0056] Figure 11 illustrates how the withdrawal amount is displayed. Figure 11(a) shows the estimated withdrawal amount is the maximum In cases where the amount of funds provided is less than the total amount, the entire bar is sent from the payment processing service management server 30 to the customer. This shows the monthly transfer amount (in this case, 200,000 yen), and 90% of that amount (see example in the diagram). Figure 11(b) shows that the withdrawal amount is 200,000 yen. This occurs when the amount exceeds the maximum funding amount, and the entire bar is accessed by the payment processing service management server 30. This shows the monthly transfer amount to the customer (in this case, 30 million yen), and the withdrawal amount is the maximum withdrawal amount (10 It was shown that the total amount was 1,030,000 yen, which is the sum of 0 yen and the service fee (30,000 yen in this case). It is being done.

[0057] Next, we will explain the flow of funding to customers using the flowchart in Figure 12. The fund provision processing unit 113 of the fund provision management server 10 receives information from the customer information database 121. , obtain the account information of the customer providing the funding (restaurant A) and the information of the required amount agreed upon in the contract. Step S601).

[0058] Furthermore, the fund provision processing unit 113 performs the process of depositing the required amount into the customer's registered account. Step S602).

[0059] Next, using the flowchart in Figure 13, we will show the flow of the direct debit process for customers who have provided funds. I will explain this.

[0060] The fund provision processing unit 113 of the fund provision management server 10 manages the settlement agency service for the month of withdrawal. - Obtain the actual transfer amount from step 30 to the target customer (in this case, restaurant A) (step S701). Furthermore, by multiplying the transfer amount by the contracted withdrawal rate, the withdrawal amount for this transaction is calculated. Dispense (Step S702).

[0061] Next, the fund provision processing unit 113 calculates the sum of the cumulative withdrawal amount up to the previous time and the withdrawal amount for the current time. However, whether the amount exceeds the sum of the funding amount (the required amount under contract) and the service usage fee. Determine whether it is (Step S703).

[0062] The cumulative withdrawal amount plus the current withdrawal amount will be the sum of the funds provided and the service usage fee. If the amount exceeds the specified amount (Step S703: YES), the amount of funding and the service usage fee will be charged. The amount obtained by adding this amount to the previous total withdrawal amount will be used to reset the current withdrawal amount to the difference between these two amounts (step S704). Furthermore, the amount transferred this time will be reduced by the reset withdrawal amount, and the remaining amount will be given to the customer. The process of transferring the funds to the account is carried out, and the funding agreement is terminated (Step S705).

[0063] On the other hand, the sum of the cumulative withdrawal amount and the current withdrawal amount is used to determine the amount of funds provided and the service usage fee. If the amount is less than or equal to the added amount (Step S703: NO), the amount transferred this time will be used for Step S After deducting the amount to be withdrawn as calculated in 702, the remaining amount will be transferred to the customer's account. (Step S706).

[0064] As described above, according to this embodiment, based on the actual amount transferred from the payment processing system to the customer Then, set the required amount (funding amount) and display it on the funding service screen of the customer terminal 20. This was implemented to allow for the setting and presentation of appropriate funding amounts to customers through a simple process. It is possible.

[0065] In this embodiment, the amount of funds provided is determined based on the amount transferred from the payment processing system to the customer. In addition to the above, other factors such as the store's annual sales, average monthly sales, and other store creditworthiness are also considered. The amount of funding can be determined based on all kinds of information about the customer.

[0066] Furthermore, based on the maximum amount of funds provided, calculated considering the likelihood of recovery from the customer, and the actual amount transferred... The estimated transfer amounts for the first to third periods calculated accordingly (First period < Second period < Third period) If the projected transfer amount for any period exceeds the maximum amount of funds provided, then... The options for the amount now include the maximum funding amount. Also, the predicted transfer amount is set to the maximum funding amount. We have also made it possible to include the estimated transfer amount for periods shorter than the required amount as an option for the required amount. If the estimated transfer amount in between is also less than the maximum funding amount, the maximum funding amount will not be included in the options. We made it so that the predicted transfer amount for each period is included as an option. By using simpler calculation processes, we can present customers with appropriate options for the necessary amount that are tailored to their specific circumstances. can.

[0067] Furthermore, the withdrawal rate and withdrawal completion period are calculated based on the required amount, and the customer selects the necessary amount on the screen. The screen now displays the corresponding withdrawal rate and withdrawal completion period depending on the amount. Customers can select the required amount and immediately see the corresponding repayment plan. It is possible. Also, the screen shows a plan to repay in a short period with a high withdrawal rate, and a plan to repay over a long period with a low withdrawal rate. We now offer two repayment plans as options. You can choose the withdrawal rate according to your circumstances.

[0068] Furthermore, based on the selected required amount, the withdrawal rate, and the estimated monthly transfer amount, the withdrawal will be completed. We calculated a monthly estimate and displayed it on the funding service screen. This allows customers to see the details. You can check a rough estimate of the repayment schedule on the screen.

[0069] Furthermore, based on the selected required amount, the withdrawal rate, and the estimated monthly transfer amount, one withdrawal We calculated an estimated settlement amount and displayed it on the payment service screen. This allows customers to see the details. You can check the estimated withdrawal amount on the screen. Note that the withdrawal amount is the customer's maximum available funds. If the amount exceeds the amount provided, the maximum withdrawal amount will be the sum of the maximum fund provision amount and the service usage fee. We decided to present it as such.

[0070] Furthermore, the present invention is not limited to the embodiments described above, and does not deviate from the spirit of the present invention. Within the limits of what is possible, it can be implemented in various other forms. For this reason, the above embodiment is In every respect, these are merely examples and should not be interpreted restrictively. For example, the above Each processing step can be arbitrarily rearranged or performed in parallel, as long as it does not create inconsistencies in the processing content. It can be done. [Explanation of Symbols]

[0071] 1…Funding system 10… Funding management server 11…Control device 12...Storage device 20... Customer terminal 30…Payment processing service management server 111…Customer information acquisition department 112…Funding Plan Presentation Department 113…Funding Processing Section 121... Customer Information Database N...communication network

Claims

1. An information processing device, Based on a predetermined maximum funding amount and information about the customer, the customer selects An information processing device equipped with a funding plan presentation unit that displays selectable required amounts.

2. The information regarding the aforementioned customer is calculated based on the amount transferred to the customer by the payment processing service. The information processing device according to claim 1, which is the predicted transfer amount that has been issued.

3. The aforementioned funding plan presentation section is: If the projected transfer amount for the first period is equal to or greater than the maximum amount of funds provided, the maximum amount of funds provided The information processing device according to claim 2, which displays the amount to be paid as the required amount on the customer terminal.

4. The aforementioned funding plan presentation section is: The projected transfer amount in the first period is less than the maximum amount of funds provided, and the projected transfer amount in the first period is less than the maximum amount of funds provided in the first period. If the projected transfer amount for the second, longer period is equal to or greater than the maximum amount of funds provided, then the maximum The amount of funds provided and the amount corresponding to the projected transfer amount during the first period mentioned above are used as the required amount. An information processing device according to claim 2 or 3, which is displayed on a customer terminal.

5. The aforementioned funding plan presentation section is: The projected transfer amounts for multiple periods are compared with the maximum funding amount mentioned above, and the longest period projection is used. If the transfer amount is less than the maximum amount of funds provided, the amount will be adjusted according to the estimated transfer amount for each period. The amount is displayed on the customer terminal as the required amount, according to any one of claims 2 to 4. Information processing device.

6. The aforementioned funding plan presentation section is: Calculate the withdrawal rate and withdrawal completion period corresponding to the required amount mentioned above. Based on the selected amount, the corresponding withdrawal rate and withdrawal completion period will be displayed on the customer's terminal. The information processing apparatus according to any one of claims 2 to 5.

7. The aforementioned funding plan presentation section is: Based on the required amount selected on the customer terminal, the withdrawal rate, and the estimated transfer amount Claim 6, which calculates the completion date of the withdrawal and displays it on the customer terminal as an estimate of the completion date of the withdrawal. The information processing device described.

8. The aforementioned funding plan presentation section is: Based on the required amount selected on the customer terminal, the withdrawal rate, and the estimated transfer amount The method according to claim 6, which calculates the amount to be withdrawn in one transaction and displays it on the customer terminal as an estimate of the withdrawal amount. Information processing device.

9. Information processing method, Based on a predetermined maximum funding amount and information about the customer, the customer selects An information processing method that includes a step of displaying the selectable required amounts.

10. Computers, Based on a predetermined maximum funding amount and information about the customer, the customer selects A program that functions as a funding plan presentation section, displaying the available required amounts.

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