Information processing method, program, and information processing device

Abstract

To provide an information processing method which allows an appropriate condition for a loan for a user to be presented when a loan is offered to the user.SOLUTION: An information processing method to be executed by an information processor includes the steps of: receiving a request from a user about a loan; determining a condition for the loan offered to a user, on the basis of an examination based on at least one of user attribute information of the user and user behavior information of the user; notifying the user of the determined condition for the loan; and extending a loan to the user according to the condition for the loan when a notification indicating that the user has accepted the condition for the loan is received.SELECTED DRAWING: Figure 5

Claims

1. Information processing equipment that provides payment services, A first acquisition step involves obtaining a loan request from the user, the user's annual income, and the user's outstanding debt from other companies. If the loan amount is less than or equal to the amount obtained by subtracting the user's outstanding debt from other companies from an amount calculated by subtracting the user's outstanding debt from other companies, the loan amount is added to the user's balance, which is the charge balance that can accept charges from the user and is used for the payment service. A second acquisition step involves obtaining the repayment amount based on the aforementioned loan amount, The step of making a repayment by subtracting the repayment amount from the charge balance and the bank account associated with the user, Information processing methods.

2. The first acquisition step obtains a loan request from the user, including the loan amount specified by the user. The aforementioned addition step involves adding the loan amount based on the requested loan amount to the user's balance, which is the charge balance that accepts charges from the user and is used for the payment service, if the requested loan amount is less than or equal to the amount obtained by subtracting the user's outstanding debt from other companies from the amount obtained by subtracting the user's outstanding debt from other companies, provided that the requested loan amount is less than or equal to the amount obtained by subtracting the user's outstanding debt from other companies from the amount obtained by subtracting the user's outstanding debt from other companies. The information processing method according to claim 1.

3. The information processing method according to claim 1, wherein the repayment amount is calculated based on the loan amount and the interest rate associated with the user.

4. The information processing method according to claim 3, wherein the interest rate is determined based on the user's attribute information or behavioral information.

5. The information processing method according to any one of claims 1 to 4, wherein the step of making the repayment includes making the repayment at the user's discretion or at a predetermined time.

6. The information processing method according to any one of claims 1 to 5, wherein the step of adding the loan amount to the charge balance is performed when the user specifies that the loan amount should be received using the charge balance.

7. The information processing method according to any one of claims 1 to 6, wherein at least a portion of the loan amount added to the charge balance is available for use in the payment service.

8. In an information processing device that provides payment services, The steps include obtaining a loan request from the user, the user's annual income, and the user's outstanding debt from other companies. If the loan amount is less than or equal to the amount obtained by subtracting the user's outstanding debt from other companies from an amount calculated by subtracting the user's outstanding debt from other companies, the loan amount is added to the user's balance, which is the charge balance that can accept charges from the user and is used for the payment service. A step of obtaining the repayment amount based on the aforementioned loan amount, The process involves performing the step of making a repayment by subtracting the repayment amount from the charge balance and the bank account associated with the user. Information processing program.

9. An information processing device including one or more processors, The one or more processors described above We provide payment services, The system obtains from the user a loan request, the user's annual income, and the user's outstanding debts with other companies. If the loan amount is less than or equal to the amount obtained by subtracting the user's outstanding debt from other companies from the amount obtained by subtracting the user's outstanding debt from other companies from the amount obtained by subtracting the user's outstanding debt from other companies, the loan amount is added to the user's balance, which is the charge balance that can accept charges from the user and is used for the payment service. Based on the aforementioned loan amount, the repayment amount is obtained, Repayment is made by subtracting the repayment amount from the charge balance and the bank account associated with the user. Information processing device.

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