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

The information processing device allows users to promptly settle outstanding credit card balances through direct payment options on their terminals, addressing delays and costs in existing systems by providing immediate payment methods on user devices.

JP7864238B1Active Publication Date: 2026-05-22PAYPAY CO LTD
View PDF 3 Cites 0 Cited by

Patent Information

Authority / Receiving Office
JP · JP
Patent Type
Patents
Current Assignee / Owner
PAYPAY CO LTD
Filing Date
2025-10-01
Publication Date
2026-05-22

AI Technical Summary

Technical Problem

Existing credit card payment systems face delays in user payment initiation due to the time lag between determining unpaid amounts and the user receiving a physical transfer request form, leading to inefficiencies in debt collection and increased costs for credit card companies.

Method used

An information processing device that communicates with user terminals to offer immediate payment options, including bank transfer, electronic money payment, and convenience store payment, by displaying necessary code information directly on the user's device, enabling prompt settlement of outstanding balances.

Benefits of technology

Enables users to immediately pay outstanding credit card balances using their terminals, reducing delays and costs associated with physical documents, and enhancing debt collection efficiency for credit card companies.

✦ Generated by Eureka AI based on patent content.

Smart Images

  • Figure 0007864238000001_ABST
    Figure 0007864238000001_ABST
Patent Text Reader

Abstract

To enable users to immediately pay off outstanding credit card balances if they become aware of them. [Solution] An information processing device that can communicate with a user terminal device operated by a user, comprising: an unpaid determination unit that determines whether or not the user has outstanding credit card charges; a receiving unit that, if the user has outstanding charges, receives from the user a payment method to be used to pay the outstanding credit card charges from among a plurality of payment methods; and a screen generation unit that generates a payment screen containing code information necessary to pay the outstanding charges at a store according to the payment method received from the user, and displays the payment screen on the user terminal device.
Need to check novelty before this filing date? Find Prior Art