Information processing device, information processing method, and information processing program

Abstract

To improve the convenience of electronic money payment.SOLUTION: An information processing device according to the present application includes an acquisition unit that acquires amount information about an amount of money used by a user through a payment service, a selection unit that selects a payment account for the amount of money from an electronic money account associated with the user and a credit card transaction account associated with the user on the basis of a prescribed condition, and a payment processing unit that settles the payment of the amount of money from the payment account selected by the selection unit.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an information processing device. , love Information processing method and Information Processing Program To Regarding. [Background technology]

[0002] Conventionally, electronic money payment is known in which a price is paid using electronic money. For example, as one type of electronic money payment, a method is known in which a payment is made by displaying or reading a two-dimensional code or the like using a terminal device carried by a user.

[0003] For example, in the field of electronic money payments, a technology has been proposed for post-payment payments in which a user links a credit card to their electronic money account and pays the amount used for electronic money payments in a lump sum at a later date (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent Publication No. 2022-158810 Summary of the Invention [Problem to be solved by the invention]

[0005] However, the conventional technology has room for improvement in terms of the convenience of electronic money payments. When a user exceeds the upper limit of electronic money usage, a transfer slip is sent to the user, and the user must transfer the amount using the transfer slip.

[0006] The present invention has been made in consideration of the above, and aims to provide an information processing device, a payment server, an information processing method, a payment method, an information processing program, and a payment program that can improve the convenience of electronic money payments. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems and achieve the object, an information processing device according to the present invention includes an acquisition unit, a selection unit, and a settlement processing unit. The acquisition unit acquires amount information related to a settlement amount used by a user in a payment service. The selection unit selects a settlement account for the settlement amount from an electronic money account linked to the user and a debit account for a credit card linked to the user based on a predetermined condition. The settlement processing unit settles the settlement amount from the settlement account selected by the selection unit. Effect of the Invention

[0008] According to the present invention, it is possible to improve the convenience of electronic money payments. [Brief description of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram illustrating an example of a system according to an embodiment. [Diagram 2] FIG. 2 is a diagram illustrating an example of information processing according to the embodiment. [Diagram 3] FIG. 3 is a block diagram illustrating an example of the configuration of the payment server according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of information stored in a user information storage unit according to the embodiment. [Diagram 5] FIG. 5 is a diagram illustrating an example of information stored in the usage information storage unit according to the embodiment. [Figure 6] FIG. 6 is a block diagram illustrating an example of the configuration of the information processing device according to the embodiment. [Figure 7] FIG. 7 is a flowchart illustrating an example of a payment process according to the embodiment. [Figure 8] FIG. 8 is a flowchart showing an example of the selection process according to the embodiment. [Figure 9] FIG. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device according to the embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] Hereinafter, the information processing device, the payment server, the information processing method, the payment method, the information processing program, and the payment program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, the payment server, the information processing method, the payment method, the information processing program, and the payment program according to the present application are not limited to the embodiments.

[0011] [Embodiment] [1. Information Processing] First, an example of a system according to an embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of a system according to an embodiment. As shown in Fig. 1, the system according to the embodiment includes an information processing device 1, a user terminal 100, and a payment server 200.

[0012] The information processing device 1 according to the embodiment is, for example, an information processing device operated by a credit card company, and is realized by, for example, a server device or a cloud system.

[0013] 1 cooperates with electronic payment companies etc. to provide various services to users. In this embodiment, the information processing device 1 provides various services related to credit cards used in deferred payment services for electronic money settlement provided by electronic payment companies.

[0014] The payment server 200 owned by the electronic payment business operator is a server device that provides electronic payment services related to electronic money payments to each user. For example, the payment server 200 is an information processing device that provides electronic payment services related to electronic payments using the user terminal 100 and performs various payments. The payment server 200 manages providers (business operators) of transaction objects and accounts (corresponding to user wallets described later) of users to whom transaction objects are provided, and realizes various payments by transferring electronic money between accounts according to payment requests from users.

[0015] The user terminal 100 shown in Fig. 1 is an information processing device used by a user. The user terminal 100 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. The user terminal 100 displays information distributed by the information processing device 1 and the payment server 200 using a web browser or an application. In the example shown in Fig. 1, the user terminal 100 is a smartphone.

[0016] Here, prior to the provision process executed by the information processing device 1, an example of payment (electronic payment) using the user terminal 100 will be described. In the following description, an example will be described in which a user makes a payment using the user terminal 100 by using a two-dimensional code (QR code (registered trademark)) placed in store A, which indicates store identification information for identifying store A, but the embodiment is not limited to this. The example of payment described below is also applicable to a case in which an arbitrary user makes a payment at an arbitrary store using an arbitrary user terminal 100. In addition, the store identification information may be not only a QR code, but also a barcode, a predetermined mark, a number, or the like.

[0017] For example, when a user makes a payment for using or purchasing a payment object (transaction object) such as various goods or services at store A, the user launches a payment app pre-installed in the user terminal 100. The user then photographs the store identification information installed in store A via the payment app. In such a case, the user terminal 100 displays a screen for inputting the price of the payment object, and accepts input of the payment amount from the user or a store clerk at store A. The user terminal 100 then transmits to the payment server 200 the user identification information that identifies the user, the store identification information (or information indicated by the store identification information, i.e., information indicating store A (or the operator of store A) (e.g., a store ID), and payment information indicating the payment amount.

[0018] In such a case, the payment server 200 transfers electronic money in the amount indicated by the payment amount from the user's account indicated by the user identification information to the account of store A indicated by the store identification information. Then, the payment server 200 transmits a notification that the payment has been completed to the user terminal 100. In such a case, the user terminal 100 notifies that the payment has been made with electronic money by outputting a screen or a predetermined sound indicating that the payment has been completed.

[0019] A more detailed example will be described. For example, the store identification information installed in the store A is a URL set for each store, and is linked to group identification information indicating a group to which the store A belongs and group store identification information identifying the store A in the group, and is managed so that the payment server 200 can refer to it. The URL serving as the store identification information is a URL for accessing the payment server 200. When the user terminal 100 photographs the store identification information, it accesses the URL indicated by the photographed store identification information and transmits the user identification information. In such a case, the payment server 200 identifies the group identification information corresponding to the accessed URL, and identifies the electronic money account (sometimes displayed as a "wallet") associated with the identified group identification information. Next, the payment server 200 causes the user terminal 100 to display an amount input screen and input an amount. Then, the payment server 200 identifies the group identification information from the wallet associated with the user identification information received from the user terminal 100, and transfers the input amount of electronic money to the wallet associated with the identified group identification information. The payment server 200 may transfer the electronic money to a wallet associated with the group identification information and the group store identification information.

[0020] It should be noted that the payment using the user terminal 100 is not limited to the above-mentioned process. For example, the payment using the user terminal 100 may be made using a store terminal installed in store A. For example, the user terminal 100 displays user identification information for identifying the user on a screen. In such a case, the store terminal installed in store A reads the user identification information displayed on the user terminal 100, and transmits payment information indicating the user identification information (or information indicated by the user identification information, i.e., information indicating the user (e.g., user ID), the payment amount, and information identifying store A) to the payment server 200. In such a case, the payment server 200 may transfer electronic money in an amount indicated by the payment amount from the user's account indicated by the user identification information to the account of store A, and notify the store terminal of store A or the user terminal 100 that the payment has been completed by outputting a screen or a predetermined sound indicating that the payment has been completed.

[0021] More specifically, the user terminal 100 transmits a payment request to the payment server 200 together with the user identification information. In such a case, the payment server 200 generates a one-time code, links the generated one-time code to the user identification information, and transmits the one-time code to the user terminal 100. The user terminal 100 then displays the one-time code (i.e., information for identifying the user) on the screen. In such a case, the store terminal reads the one-time code displayed on the user terminal 100 and transmits the read one-time code, group identification information, group store identification information, and payment amount to the payment server 200. The payment server 200 then transfers electronic money equivalent to the payment amount from the wallet linked to the user identification information linked to the one-time code to the wallet linked to the group identification information and group store identification information.

[0022] Furthermore, the payment using the user terminal 100 may not only be a process of transferring electronic money from an account to which the user has previously charged electronic money to an account of store A, but may also be a payment using, for example, a credit card registered by the user in advance. In such a case, for example, the user terminal 100 may transfer electronic money of the payment amount to the account of store A, and may also bill the operating company (card company) of the user's credit card for the payment amount.

[0023] Incidentally, electronic money payments have an auto-charge function that charges the balance from a bank account linked to the electronic money account (hereinafter also referred to as "user wallet") when the user's account balance is insufficient. In recent years, in addition to balance payments including auto-charge, a deferred payment function is becoming popular as an electronic money payment function. When using the deferred payment function, a credit card is registered to the user's electronic money account, and the electronic money payment amount is paid in a lump sum at a later date by debiting the credit card using the credit card's credit limit. With this deferred payment function, the user can use electronic money payments without worrying about the balance in their user wallet.

[0024] In this way, when using both the auto-charge function and the deferred payment function in electronic money payments, user U will register a first account for auto-charge with an electronic money account managed by an electronic payment service provider, as shown in Figure 1, and will also register a second account, which is a debit account, with a credit card managed by a credit card service provider.

[0025] In this embodiment, the user U who has registered a first account is free to register a second account, and as described below, it is also possible to debit the credit card from an electronic money account. This allows the user U to use the deferred payment service without registering a debit account (second account) for the credit card.

[0026] On the other hand, legal requirements for electronic payment businesses stipulate a settlement upper limit for electronic money payments (for example, 1 million yen), and settlements that exceed this settlement upper limit cannot be made. Therefore, if the settlement amount for a deferred payment service exceeds the settlement upper limit, the credit card cannot be debited from the electronic money account.

[0027] Therefore, in this embodiment, a debit account is selected depending on the settlement amount of a credit card by the user U who has registered a second account. Here, an overview of information processing according to this embodiment will be described with reference to FIG.

[0028] FIG. 2 is a diagram showing an example of information processing according to the embodiment. In FIG. 2, the processing by the information processing device 1 is described as processing by a credit card company, and the processing by the payment server 200 is described as processing by an electronic payment company. As shown in FIG. 2, when the user U uses a post-payment service (step S11), the electronic payment company notifies the credit card company of the amount used by the user U (step S12). In addition, when the user U uses electronic money payment for balance payment, the electronic payment company does not notify the credit card company of the amount used, and the electronic payment company executes the existing electronic money payment. In addition, in this case, if the balance is insufficient or the balance after payment is below a threshold, the electronic payment company charges from the first account.

[0029] In this embodiment, the processes of steps S11 and S12 are repeatedly executed each time the user U uses the postpaid service. Thereafter, the credit card company finalizes the credit card settlement amount on a predetermined date (e.g., the 10th of each month) (step S13). The settlement amount is the amount to be debited from the credit card next time, and is the total amount of usage in a predetermined period (e.g., one month). If the user U has set up a revolving payment or installment payment, the settlement amount may be less than the total amount of usage, and if the user U has set up a bonus payment, the settlement amount may be more than the total amount of usage.

[0030] Next, the credit card company selects a settlement account according to the confirmed settlement amount (step S14). For example, if the settlement amount is equal to or exceeds the settlement upper limit (e.g., 1 million yen), the credit card company selects the second account as the settlement account, and if the settlement amount is less than 1 million yen, the credit card company selects the electronic money account as the settlement account.

[0031] If the settlement amount exceeds 1 million yen, the credit card company may select the second account as the settlement account for the 1 million yen amount and the electronic money account as the settlement account for the remainder. In this case, for example, the credit card company may divide the credit card statement by amount or by settlement unit and determine the settlement amount for each account.

[0032] Furthermore, the electronic payment business operator may select a settlement account according to settings made by user U. In this case, user U can arbitrarily select a settlement account on a monthly basis, and the electronic payment business operator selects the settlement account according to settings made by user U. That is, in this case, if the settlement amount is less than 1 million yen, user U can arbitrarily select a settlement account according to the balance of each account, etc.

[0033] Continuing with the explanation of the processing when an electronic money account is selected as the settlement account, when the credit card company selects an electronic money account as the settlement account, it makes a settlement request to the electronic payment company (step S15).

[0034] Based on this request, the electronic payment business operator debits the user wallet on the credit card debit date. More specifically, the electronic payment business operator checks the balance of the user wallet on the debit date, and if the settlement amount is more than the balance, i.e., if the balance is insufficient, it makes a request to the first account (bank) to charge the user wallet.

[0035] Then, the balance is charged from the first account to the user wallet (step S17), and the electronic payment service provider debits the charged user wallet (step S18).

[0036] Thereafter, the electronic payment business operator transfers the settlement amount to the credit card business operator (step S19). If the second account is selected as the settlement account when selecting the settlement account in step S14, the credit card business operator debits the settlement amount from the second account on the credit card withdrawal date (step S20). At this time, for users U who do not have a registered second account, a transfer is requested using a transfer slip. In other words, if the settlement amount for the deferred payment service by user U exceeds the settlement upper limit, for users U who have registered a second account, the settlement is automatically made from the second account, and for users U who have not registered a second account, the settlement must be made using a transfer slip that is sent separately.

[0037] In the information processing according to the embodiment, such a payment scheme can realize a post-payment service using a credit card in an electronic money payment service. In addition, in the information processing according to the embodiment, for a user who has a registered second account, if the settlement upper limit is exceeded, the second account can be debited, so that the user U can use electronic money payment without worrying about the settlement upper limit.

[0038] Therefore, according to the information processing of the embodiment, the user does not have to transfer money using a transfer slip even if the settlement upper limit is exceeded, thereby improving the convenience of electronic money payment.

[0039] [2-1. Example of payment server configuration] Next, a configuration example of the payment server 200 will be described with reference to Fig. 3. Fig. 3 is a block diagram showing a configuration example of the payment server 200 according to the embodiment. As shown in Fig. 3, the payment server 200 includes a communication unit 5, a storage unit 6, and a control unit 7.

[0040] The communication unit 5 is realized by, for example, a network interface card (NIC), etc. The communication unit 5 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100 and the like.

[0041] The storage unit 6 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk.

[0042] As shown in Fig. 3, the storage unit 6 has a user information storage unit 61 and a usage information storage unit 62. The user information storage unit 61 stores user information. The user information includes various information related to a user U. Fig. 4 is a diagram showing an example of information stored in the user information storage unit 61 according to the embodiment.

[0043] As shown in Figure 4, the user information storage unit 61 according to the embodiment stores information on items such as "user ID," "wallet information," "identity verification," "auto-charge," "first account," and "second account" in association with each other.

[0044] The "user ID" item stores an identifier for identifying each user U in the payment server 200. The "wallet information" item stores wallet information opened in an electronic payment service for a user U identified by the corresponding user ID. The wallet information includes an identifier for identifying the wallet (e.g., wallet ID) and information related to the balance.

[0045] The "identity verification" item stores information (flag) regarding whether or not the user U identified by the corresponding user ID has undergone identity verification. For example, the "identity verification" item stores "1" for a user U whose identity has been verified, and "0" for a user U whose identity has not been verified. The "identity verification" item for a user whose identity has been verified further stores information used for identity verification (identity verification information). Identity verification is performed by the user U submitting to the electronic payment service provider an image of the user U's identification card and a video of the user U's face, etc.

[0046] The "auto-charge" item stores information (flag) about whether or not the user U identified by the corresponding user ID has auto-charge set. For example, if the user U identified by the corresponding user ID has auto-charge set, "1" is stored, and if auto-charge is not set, "0" is stored.

[0047] The "First Account" item stores information (flag) regarding whether or not the user U identified by the corresponding user ID has registered a first account. For example, if the first account has been registered, "1" is stored, and if the first account has not been registered, "0" is stored. Note that the first account item also stores information regarding the bank account registered as the first account.

[0048] The "Postpaid" item stores information (flag) about whether or not the user U identified by the corresponding user ID is setting up postpaid. For example, if postpaid is set up, "1" is stored, and if postpaid is not set, "0" is stored.

[0049] The "second account" item stores information (flag) regarding whether or not the user U identified by the corresponding user ID has registered a second account. For example, if the second account has been registered, "1" is stored, and if the second account has not been registered, "0" is stored. Note that for user U who has not registered a second account and has set up deferred payment, the settlement amount will be debited from the credit card via the balance in the user wallet or a transfer of funds from the first account to the balance in the user wallet.

[0050] Returning to the explanation of Fig. 3, the usage information storage unit 62 will be explained. The usage information storage unit 62 stores usage information. The usage information is information relating to the amount of electronic money used by each user U.

[0051] Fig. 5 is a diagram showing an example of information stored in the usage information storage unit 62 according to the embodiment. As shown in Fig. 5, the usage information storage unit 62 stores information on items such as "user ID", "usage amount (balance payment)", "usage limit (balance payment)", "usage amount (postpaid)", and "usage limit (postpaid)" in association with each other.

[0052] The "user ID" item stores an identifier for identifying each user U in the payment server 200. The "amount used (balance payment)" item stores information regarding the amount used for balance payment in electronic money payment.

[0053] The "Usage Limit (Balance Payment)" item stores information about the upper limit of the usage amount for balance payments in electronic money settlement. For example, the upper limit of the usage amount for the past 24 hours and the past 30 days is determined by the presence or absence of identity verification, the method of charging the user wallet, etc.

[0054] The "Amount Used (Postpaid)" item stores information regarding the amount used for balance payments in electronic money payments. The "Usage Limit (Postpaid)" item stores information regarding the upper limit of the amount used for balance payments in electronic money payments. For example, a usage limit for postpaid payments is set for a single payment. The usage limit for postpaid payments may also be the upper limit of a credit card's credit limit.

[0055] Returning to the explanation of Fig. 3, the control unit 7 will be explained. The control unit 7 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) executing various programs stored in a storage device inside the information processing device 1 using a RAM as a working area. The control unit 7 is also realized, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

[0056] 3, the control unit 7 includes an acquisition unit 71, a payment processing unit 72, a management unit 73, and a setting unit 74. The acquisition unit 71 acquires information related to payment using the user terminal 100 (electronic payment).

[0057] The acquisition unit 71 acquires information related to the payment used by the user U from the user terminal 100 or a store terminal. For example, the information related to the payment includes a user ID, a store ID, and a usage amount.

[0058] The acquisition unit 71 also acquires a payment request for a post-payment service from the credit card company's information processing device 1. The payment request includes information on the user ID and the settlement amount.

[0059] The payment processing unit 72 executes various payment processes related to payments (electronic payments) using the user terminal 100. For example, the payment processing unit 72 settles the usage amount acquired by the acquisition unit 71 using a payment method set by the user, such as paying the balance of an electronic money account or post-payment with a credit card linked to the electronic money account.

[0060] Specifically, the payment processing unit 72 refers to the user information storage unit 61 and checks whether the payment method selected by the user U is balance payment or deferred payment. Next, if the payment method selected by the user U is balance payment, the payment processing unit 72 determines whether the balance is large enough to cover the usage amount.

[0061] If the balance is greater than the usage amount, the payment processing unit 72 executes a payment process using the balance. If the balance is less than the usage amount, the payment processing unit 72 refers to the user information storage unit 61 and determines whether the auto-charge setting is on.

[0062] If the auto-charge setting is on, the payment processing unit 72 requests auto-charge from the first account and executes the payment process with the balance after auto-charge. If the auto-charge setting is off or the first account is not registered, that is, if the balance is insufficient, the payment processing unit 72 processes it as an error.

[0063] Furthermore, if the payment method selected by the user U is deferred payment, the payment processing unit 72 notifies the information processing device 1 via the communication unit 5 of the amount used by the user U.

[0064] Furthermore, when the acquisition unit 71 acquires a settlement request for the credit card settlement amount, the settlement processing unit 72 executes settlement processing for the settlement amount. For example, the settlement processing unit 72 determines whether the settlement amount can be settled with the balance of the user wallet on the withdrawal date, and settles the amount from the balance if it is possible. Furthermore, when the balance of the user wallet is insufficient, the settlement processing unit 72 requests the user wallet to be charged from the first account, and settles the amount with the balance after charging.

[0065] Furthermore, if the amount of deferred payment exceeds the settlement upper limit (1 million yen), the settlement processing unit 72 arranges for a transfer slip to be sent to the user. The arrangement of the transfer slip based on the determination of the amount of deferred payment may be performed by the information processing device 1. Here, arranging for a transfer slip refers to instructing the operator of the electronic settlement business operator or the operator of the credit card company to send a transfer slip to user U. More specifically, the settlement processing unit 72 associates a flag indicating that the settlement should be a transfer slip with the billing data of user U and stores it. The operator will refer to this data and send a transfer slip to user U.

[0066] The management unit 73 manages the upper limit of the balance payment and the upper limit of the deferred payment separately for the user U. Specifically, the management unit 73 manages the upper limit of the balance payment and the deferred payment separately for electronic money payments made by the user U, for example.

[0067] For example, when the payment processing unit 72 performs payment processing, the management unit 73 refers to the usage information storage unit 62 and determines whether the current usage amount is within the usage limit for balance payment or within the usage limit for deferred payment.

[0068] If the amount used this time is within the upper limit, the management unit 73 allows the payment processing by the payment processing unit 72, but if the amount used this time exceeds the upper limit, the management unit 73 processes the payment as an error. When processing as an error, the user terminal 100 or the store terminal is notified that the payment is invalid and the reason for the invalidity.

[0069] In this way, the management unit 73 can appropriately manage electronic money payments by the user U by separately managing the upper limit for balance payment and the upper limit for deferred payment.

[0070] The setting unit 74 performs various processes related to the auto-charge setting by the user U. Specifically, the setting unit 74 sets the auto-charge setting of the bank account (first account) linked to the user wallet for the user U who has selected the user wallet as the settlement account for the postpaid service to on. In addition, the setting unit 74 prohibits the cancellation of the auto-charge setting until the user U registers a second account.

[0071] This is because, when the second account is registered, the postpaid settlement amount can be debited from the second account. This makes it possible to properly process the postpaid settlement amount. Furthermore, when the user U registers a second account, the setting unit 74 allows the cancellation of the auto-charge setting. In other words, when the user U registers a second account, the user U can set the second account as a settlement account for the postpaid service.

[0072] In addition, the payment server 200 may obtain information regarding whether or not the second account has been registered from the information processing device 1 that manages the account information of the second account, or may cooperate with the information processing device 1 to receive a notification from the information processing device 1 when the user U registers a second account in the information processing device 1.

[0073] 2-2. Example of the configuration of an information processing device Next, a configuration example of the information processing device 1 according to the embodiment will be described with reference to Fig. 6. Fig. 6 is a block diagram showing a configuration example of the information processing device 1 according to the embodiment. As shown in Fig. 6, the information processing device 1 has a communication unit 2, a storage unit 3, and a control unit 4.

[0074] The communication unit 2 is realized by, for example, a network interface card (NIC) etc. The communication unit 2 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100 etc.

[0075] The storage unit 3 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk.

[0076] For example, the storage unit 3 stores the account number of the second account in association with user identification information managed by the credit card company. The storage unit 3 also stores user identification information (user ID on the information processing device 1 side) at the payment company, a credit card number, and information on whether or not the payment is electronic money in association with the account number.

[0077] The control unit 4 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit) executing various programs stored in a storage device inside the information processing device 1 using a RAM as a working area. The control unit 4 is also realized, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in Fig. 6, the control unit 4 according to the embodiment has a reception unit 41, an acquisition unit 42, a selection unit 43, a settlement processing unit 44, and a request unit 45, and realizes or executes the functions and actions of information processing described below.

[0078] The reception unit 41 receives an application for a credit card to be used as a postpaid service of the payment application installed in the user terminal 100 of each user. The reception unit 41 receives the application for the credit card made through the payment application via the payment server 200. That is, the reception unit 41 receives an application for the credit card from a user U who has logged in to the payment application and who has agreed to information provision from the payment server 200 to the information processing device 1. At this time, the reception unit 41 receives information from the payment server 200 as to whether the user U who applied for the credit card has selected settlement using the first account. Alternatively, when the application is received, information as to whether the user U has registered the first account may also be obtained from the payment server 200.

[0079] For example, when accepting a credit card application from the user U via the payment server 200, the reception unit 41 acquires identity verification information from the payment server 200. The identity verification information is information used for identity verification by the payment server 200, and includes name, age, sex, address, mobile phone number, etc.

[0080] The reception unit 41 provides an application screen for a credit card to the user U after the user inputs personal identification information. This allows the user U to apply for a credit card without inputting information already provided to the payment server 200. The reception unit 41 also provides a UI for selecting the brand and design of the credit card, a UI for registering a withdrawal account, and the like on the application screen.

[0081] When user U has completed various inputs and selections on the application screen, the reception unit 41 receives this information and sends it for credit card screening. The reception unit 41 also provides a second account registration screen to user U who has applied for a credit card. As described above, for user U who has registered a first account, registration of a second account is optional, but if the settlement upper limit for electronic money payment is exceeded, registration of a second account is recommended. In other words, if user U who has not registered a second account exceeds the settlement upper limit, a transfer slip will be sent, whereas if the user has registered a second account, the settlement amount will be processed from the second account even if the settlement upper limit is exceeded.

[0082] In addition, the reception unit 41 accepts the registration of a bank account (second account) to which credit card payments will be debited for users U who have not registered a first account with the payment server 200 or who do not wish to use electronic money settlement (user wallet and first account) for credit card payments. The reception unit 41 requires such users U to register a second account.

[0083] That is, in this embodiment, a user U who has already registered a first account with the payment server 200 may optionally register a second account, while a user U who has not registered a first account or a user U who wishes to use another bank account as the destination for credit card withdrawals is required to register a second account. This allows all users U to register either a first account or a second account, making it possible to properly withdraw funds from their credit cards.

[0084] The acquisition unit 42 acquires amount information related to the settlement amount used by the user in the payment service. For example, the acquisition unit 42 acquires amount information including the settlement amount of the post-payment service provided by the electronic payment service and the credit card.

[0085] The acquisition unit 42 acquires amount information related to the post-payment service from the payment server 200, and acquires amount information related to the credit card from the credit card management company. The acquisition unit 42 acquires amount information from the payment server 200 every time a post-payment is made by the user U. The amount information includes, for example, the user ID that is the payment source, the store ID that is the payment destination, and information on the settlement amount. The acquisition unit 42 calculates the settlement amount for each user U on a monthly basis, and finalizes the credit card settlement amount on a predetermined date (for example, the 10th of each month).

[0086] The selection unit 43 selects a settlement account for the settlement amount from the user's electronic money account and the debit account of the credit card linked to the electronic money account based on a predetermined condition. For example, the selection unit 43 selects a settlement account for a user who is setting up auto-charge from a first account to an electronic money account and has registered a second account that is a debit account of the credit card.

[0087] If the settlement amount exceeds the settlement upper limit, the selection unit 43 selects the second account, which is a credit card withdrawal account, as the settlement account, and if the settlement amount is less than the settlement upper limit, the selection unit 43 selects the electronic money account as the settlement account.

[0088] In addition, when the settlement amount exceeds the settlement upper limit, the selection unit 43 may select an electronic money account as a settlement account for part of the settlement amount, and select a withdrawal account for the remaining settlement account. For example, in this case, the selection unit 43 divides the credit card statement by settlement unit or amount unit, and selects a settlement account for each.

[0089] Furthermore, the selection unit 43 may select a settlement account based on a setting made by the user U. For example, the selection unit 43 selects the electronic money account or second account selected by the user U as the settlement account.

[0090] The settlement processing unit 44 settles the settlement amount from the settlement account selected by the selection unit 43. When the second account is selected as the settlement account, the settlement processing unit 44 debits the settlement amount from the second account on the credit card withdrawal date.

[0091] Furthermore, when an electronic money account is selected as the settlement account, the settlement processing unit 44 requests the settlement server 200 to debit the settlement amount from the electronic money account on the credit card debit date.

[0092] Thereafter, at a specified date and time, the settlement processing unit 44 transfers the settlement amount debited from the second account or the user wallet to the account of each store where the user used the deferred payment service.

[0093] The request unit 45 requests a user who has not registered a withdrawal account (second account) to register a withdrawal account. For example, the request unit 45 requests the user to register a withdrawal account when the settlement amount of the user exceeds a threshold value.

[0094] For example, when the settlement amount of the postpaid service of the user U until the end of the month exceeds the settlement upper limit, or when the settlement amount is expected to exceed the settlement upper limit, the request unit 45 requests the user U to register a second account. Note that the request by the request unit 45 may include, for example, a UI (e.g., a URL) for registering the second account, and may be made through a payment app.

[0095] [3. Processing flow] Next, a process procedure executed by the information processing device 1 and the payment server 200 according to the embodiment will be described with reference to Fig. 7 and Fig. 8. Fig. 7 is a flowchart showing an example of a payment process according to the embodiment. Fig. 8 is a flowchart showing an example of a selection process according to the embodiment.

[0096] First, a process flow of the payment process according to the embodiment will be described with reference to Fig. 7. The payment process is executed by the payment server 200. As shown in Fig. 7, when a user U makes an electronic money payment, the payment server 200 acquires usage information related to the electronic money payment (step S101).

[0097] Next, the payment server 200 refers to the user information storage unit 61, confirms the payment method of the electronic money payment (step S102), and determines whether the payment method is deferred payment or not (step S103).

[0098] If the payment method is deferred payment (step S103; Yes), the settlement server 200 notifies the credit card company (information processing device 1) of amount information regarding the usage amount of the user U (step S104).

[0099] Furthermore, if the payment method is the balance payment (step S103; No), the payment server 200 omits the process of step S104. That is, in this case, the payment server 200 executes the payment process by the balance payment.

[0100] Then, the settlement server 200 updates the remaining payment amount or the deferred payment amount (step S105), and ends the process.

[0101] Next, a process flow of the selection process according to the embodiment will be described with reference to Fig. 8. The settlement process is executed by the information processing device 1. As shown in Fig. 8, the information processing device 1 first determines the settlement amount of the postpaid payment (step S201).

[0102] Next, the information processing device 1 determines whether the finalized settlement amount is equal to or greater than a threshold (e.g., 1 million yen or more) (step S202). If the settlement amount is equal to or greater than the threshold (step S202; Yes), the information processing device 1 determines whether a second account is set (registered) (step S203).

[0103] If the second account is set (step S203; Yes), the information processing device 1 selects the second account as the settlement account (step S204) and ends the process. If the settlement account is less than the threshold in the determination of step S202 (step S205; No), the information processing device 1 selects the user wallet as the settlement account (step S205) and ends the process.

[0104] Furthermore, if it is determined in step S203 that a second account has not been set (step S203; No), the information processing device 1 prepares a transfer slip (step S206) and ends the process.

[0105] 4. Modifications In the above embodiment, the information processing device 1 accepts a credit card application through an electronic payment business operator, but the present invention is not limited to this. For example, the information processing device 1 may accept a credit card application through other businesses that use credit cards for their own services, such as flea market businesses, securities companies, and virtual currency businesses.

[0106] In the above embodiment, the case where a credit card application is accepted from an electronic payment business operator and identity verification information is acquired is described, but the present invention is not limited to this. That is, identity verification information may be acquired from a business operator other than the business operator to which the credit card application is made. In the above embodiment, the case where the settlement amount of the electronic money deferred payment service is settled with electronic money is described, but the present invention is not limited to this. That is, the settlement amount of the credit card used by the user U separately from the deferred payment service may also be included in the settlement of the electronic money settlement.

[0107] 5. Effects The information processing device 1 according to the embodiment described above includes an acquisition unit 42 that acquires amount information regarding the settlement amount used by a user in a payment service, a selection unit 43 that selects a settlement account for the settlement amount from an electronic money account linked to the user and a debit account for a credit card linked to the user based on specified conditions, and a settlement processing unit 44 that settles the settlement amount from the settlement account selected by the selection unit 43.

[0108] In addition, the acquisition unit 42 acquires amount information regarding the post-payment service of electronic money settlement provided by the settlement service and the settlement amount between the credit card used for the post-payment service, and the selection unit 43 selects a settlement account to settle the post-payment service and the settlement amount between the credit card.

[0109] Furthermore, the selection unit 43 selects a withdrawal account when the settlement amount is greater than a threshold, and selects an electronic money account when the settlement amount is less than the threshold. Furthermore, when an electronic money account is selected as the settlement account, the selection unit 43 requests settlement from a server device that manages the electronic money account. Furthermore, the information processing device 1 according to the embodiment includes a request unit 45 that requests a user who has not registered a withdrawal account to register a withdrawal account.

[0110] In addition, the request unit 45 requests the registration of a withdrawal account when the settlement amount of the user exceeds a threshold value. In addition, the selection unit 43 selects an electronic money account as a settlement account for a portion of the settlement amount, and selects a withdrawal account for the remaining settlement account.

[0111] In addition, the payment server 200 according to the embodiment includes an acquisition unit 71 that acquires information regarding the amount used by the user for electronic money payment, a payment processing unit 72 that settles the amount used by the user using the payment method set by the user, which can be either a balance payment in an electronic money account or a deferred payment using a credit card linked to the electronic money account, and a management unit 73 that manages the upper limit amount for balance payment and the upper limit amount for deferred payment separately.

[0112] Furthermore, the management unit 73 halts payment by the payment processing unit 72 when the payment of the usage amount exceeds the usage upper limit. Furthermore, the payment server 200 includes a setting unit 74 that prohibits deregistration of a bank account for auto-charge of an electronic money account for a user who has selected balance payment as the payment method. Furthermore, the setting unit 74 permits deregistration of a bank account for auto-charge of an electronic money account for a user who has a bank account set as a withdrawal account for a credit card.

[0113] By performing any one or a combination of the above-described processes, the information processing device and payment server according to the present application can improve the convenience of electronic money payments.

[0114] [6. Hardware Configuration] The information processing device 1 according to the embodiment described above is realized by a computer 1000 having a configuration as shown in Fig. 9. Fig. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device 1 according to the embodiment. The computer 1000 has a CPU 1100, a RAM 1200, a ROM 1300, a HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

[0115] The CPU 1100 operates and controls each unit based on a program stored in the ROM 1300 or the HDD 1400. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, programs that depend on the hardware of the computer 1000, and the like.

[0116] The HDD 1400 stores programs executed by the CPU 1100, data used by such programs, etc. The communication interface 1500 receives data from other devices via a network (communication network) N and sends the data to the CPU 1100, and transmits data generated by the CPU 1100 to other devices via the network N.

[0117] The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse (in FIG. 9, the output devices and the input devices are collectively referred to as "input / output devices") via an input / output interface 1600. The CPU 1100 acquires data from the input devices via the input / output interface 1600. The CPU 1100 also outputs generated data to the output devices via the input / output interface 1600.

[0118] The media interface 1700 reads a program or data stored in the recording medium 1800 and provides it to the CPU 1100 via the RAM 1200. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1200 via the media interface 1700 and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable Disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory.

[0119] For example, when the computer 1000 functions as the information processing device 1 according to the embodiment, the CPU 1100 of the computer 1000 executes programs loaded onto the RAM 1200 to realize the functions of the control unit 4. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, the CPU 1100 may obtain these programs from another device via the network N.

[0120] Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the aspects described in the Disclosure of the Invention section.

[0121] [7. Other] Furthermore, among the processes described in the above embodiments and modifications, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically by a known method. In addition, the information including the processing procedures, specific names, various data and parameters shown in the above documents and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

[0122] In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit according to various loads, usage conditions, etc.

[0123] Furthermore, the above-described embodiments and modifications can be appropriately combined as long as the processing contents are not contradictory.

[0124] Furthermore, the above-mentioned "section, module, unit" can be read as "means" or "circuit", etc. For example, an acquisition section can be read as an acquisition means or an acquisition circuit. [Explanation of symbols]

[0125] 1. Information processing device 4. Control Unit 41 Reception 42 Acquisition Department 43 Selection section 44 Payment Processing Section 45 Request part 61 User information storage unit 62 Usage information storage unit 71 Acquisition Department 72 Payment Processing Unit 73 Management Department 74 Setting section 100 user terminals 200 Payment Server U User

Claims

1. an acquisition unit that acquires amount information indicating a settlement amount, which is a total amount of credit card service charges used by a user within a predetermined period of time; a selection unit that selects an account for the settlement amount from an electronic money account of an electronic settlement service related to electronic money settlement associated with the user and a debit account of a credit card, which is a bank account associated with the user, based on a predetermined condition; a settlement processing unit that settles the settlement amount from the settlement account selected by the selection unit; Equipped with The selection unit is When the settlement amount of the credit card is less than a threshold, the electronic money account is selected, and when the settlement amount is more than the threshold, the debit account is selected. An information processing device comprising:

2. When the settlement amount of the credit card is greater than a threshold value and the debit account is not registered, arranging for the user to send a transfer slip for transferring the settlement amount.

2. The information processing apparatus according to claim 1,

3. The settlement processing unit is When the electronic money account is selected as the settlement account, a settlement request is made to a server device that manages the electronic money account.

2. The information processing apparatus according to claim 1,

4. a request section for requesting a user who has already registered the electronic money account but has not yet registered the withdrawal account to register the withdrawal account; The information processing apparatus according to claim 1 , further comprising:

5. The request unit is When the settlement amount of the user is greater than the threshold, a request is made to register the withdrawal account.

5. The information processing apparatus according to claim 4,

6. The selection unit is Selecting the electronic money account as the settlement account for settling a portion of the settlement amount, and selecting the withdrawal account as the settlement account for settling the remaining settlement amount.

2. The information processing apparatus according to claim 1,

7. The selection unit is When the settlement amount of the credit card is less than the threshold value, an account selected by the user from the electronic money account and the withdrawal account is selected as the settlement account.

2. The information processing apparatus according to claim 1,

8. 1. A computer-implemented information processing method, comprising: an acquisition step of acquiring amount information indicating a settlement amount which is a total amount of the credit card service used by the user within a predetermined period of time; a selection step of selecting an account for the settlement amount from an electronic money account of an electronic settlement service related to electronic money settlement linked to the user and a debit account of a credit card which is a bank account linked to the user, based on a predetermined condition; a settlement processing step of settling the settlement amount from the settlement account selected by the selection step; Including, The selection step includes: When the settlement amount of the credit card is less than a threshold, the electronic money account is selected, and when the settlement amount is more than the threshold, the debit account is selected. An information processing method comprising:

9. An acquisition step of acquiring amount information indicating a settlement amount which is a total amount of the credit card service usage by the user within a predetermined period of time; a selection step of selecting an account for the settlement amount based on a predetermined condition from an electronic money account of an electronic settlement service related to electronic money settlement linked to the user and a debit account of a credit card which is a bank account linked to the user; a settlement processing step of settling the settlement amount from the settlement account selected by the selection step; Run the following on your computer: The selection step comprises: When the settlement amount of the credit card is less than a threshold, the electronic money account is selected, and when the settlement amount is more than the threshold, the debit account is selected. An information processing program characterized by:

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