JP2020126545A - Information processing method, information processing device, and information processing program - Google Patents

Abstract

To improve the convenience of a settlement service.SOLUTION: An information processing device performs processing of: generating a settlement service account of a user; determining a maximum amount of a postpaid service based on information associated with the account when a predetermined condition is satisfied; determining candidate amounts composed of a plurality of amounts equal to or less than the maximum amount; and determining an upper limit value for the postpaid service for the account from the candidate amounts.SELECTED DRAWING: Figure 4

Description

The present disclosure relates to an information processing method, an information processing device, and an information processing program.

2. Description of the Related Art In recent years, there has been known a technique of performing personal authentication using an online personal identification service called eKYC (see, for example, Patent Document 1). As a result, the convenience of the user can be improved as compared with the conventional personal authentication method in which a personal identification document such as a copy of an identification card is sent from the customer and a forwarding unnecessary mail is sent to the customer's house. Further, there is known a method of completing the personal authentication in the settlement service by associating the settlement service with a bank account that has been authenticated.

Japanese Patent Publication No. 2018-519567

However, if the user has not set up a bank account for transferring funds to the account of the payment service, the user cannot transfer the funds available for the payment service to the account even if the user authentication by eKYC is completed. It was inconvenient for me.

The present disclosure aims to provide a technique for improving the convenience of payment services.

In an information processing method according to an embodiment of the present disclosure, an information processing device generates a user account for a payment service of an information processing terminal and, if a predetermined condition is satisfied, an upper limit amount of a postpaid service for the account. And the process of setting.

FIG. 1 is a diagram showing a configuration of a communication system according to an embodiment of the present disclosure. It is a figure which shows an example of the hardware constitutions of the server and terminal which concern on embodiment. It is a figure which shows an example of the block diagram which shows the functional structure of the server and terminal which concern on embodiment. It is a figure which shows an example of the sequence of the process of the communication system which concerns on embodiment. It is a figure which shows an example of the proposal screen of the postpaid service displayed on a terminal in step S4. It is a figure which shows an example of the upper limit amount determination screen displayed on the terminal in step S6. It is a figure which shows an example of the upper limit amount determination screen displayed on the terminal in step S6. It is a figure which shows an example of the screen transition of the postpaid service use screen displayed on a terminal after step S7. It is a figure which shows an example of the post-payment service use screen after using the payment process of step S8.

<Legal compliance>
The disclosures described herein, when implemented, are performed in compliance with the laws of each country in which the disclosure is implemented. In addition, the disclosure described herein is implemented with all changes, substitutions, variations, alterations, and modifications that can be made by those skilled in the art, in order to comply with the laws of each country.

A mode for carrying out the sharing of the payment of payment (pay split) among a plurality of users who can promote the use of the electronic coupon according to the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 is a diagram showing a configuration of a communication system 1 according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, the server 110A and the server 110B are connected to the terminal 120A, the terminal 120B, and the terminal 120C via the network 130.

In the present disclosure, if it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively.

In the present disclosure, when it is not necessary to distinguish the terminal 120A, the terminal 120B, and the terminal 120C from each other, the terminal 120A, the terminal 120B, and the terminal 120C are respectively the terminal 120 (an example of an “information processing terminal”). May be expressed.

In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be expressed as the information processing device 200, respectively. Note that the number of information processing devices 200 connected to the network 130 is not limited to the example of FIG.

The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service is, for example, without limitation, a payment service, a financial service, an electronic commerce service, an SNS (Social Networking Service) represented by a messaging service using an instant messenger, a content providing service such as music/video/book, etc. including. When the user uses a predetermined service via the terminal 120, the server 110 can provide the predetermined service to one or more terminals 120. The terminal 120 is, for example, a terminal of a user's smartphone or the like, and makes split payments using a payment service provided by the server 110.

In the present disclosure, the settlement service means a service that allows one or more users to exchange money or money equivalents. By way of example and not limitation, one-dimensional code (bar code, etc.), two-dimensional code (QR code (registered trademark), etc.) (hereinafter, one-dimensional code and two-dimensional code are collectively referred to as “two-dimensional code, etc.” ), near field communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy), Wi-Fi (registered trademark), ultrasonic communication, infrared communication, etc.) including. In addition, the fact that the terminal 120 of the user (payer) who pays the price reads the two-dimensional code or the like to perform payment is referred to as “user-readable code payment” or “MPM (Merchant Presented Mode)”, and payment is performed. The terminal 120 of the user who performs the operation displays the two-dimensional code or the like, and the displayed two-dimensional code or the like is read by the terminal 120 of the user (seller, invoicer) on the store side or the like who bills for the payment. This is referred to as “store-reading code settlement” or “CPM (Consumer Presented Mode)”. The MPM and CPM may be dynamic or static.

If necessary, the terminal used by the user X is expressed as a terminal 120X, and the user information in a predetermined service associated with the user X or the terminal 120X is expressed as a user information X. Note that the user information is user information associated with an account used by the user in a predetermined service. The user information is, for example and without limitation, the user's name, the user's icon image, the user's age, the user's gender, the user's address, the user's hobby, which is input by the user or given by a predetermined service. Information such as tastes, user identifiers, and other information associated with the user, electronic value (electronic money) balance information associated with the user, and credit card information (credit card number, etc.) associated with the user. Any one of them or a combination thereof may be used.

The network 130 has a role of connecting two or more information processing devices 200. The network 130 refers to a communication network that provides a connection path so that the terminal 120 can transmit and receive data after connecting to the server 110.

One or more portions of network 130 may be wired or wireless networks. The network 130 is, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless. LAN (Wireless LAN: WLAN), wide area network (Wide Area Network: WAN), wireless WAN (Wireless WAN: WWAN), metropolitan area network (Metropolitan Area Network: MAN), part of the Internet, public switched telephone network (Public) Switched Telephone Network: Part of PSTN, mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (Bluetooth (registered trademark)), satellite Communication, etc., or a combination of two or more of these may be included. Networks 130 may include one or more networks 130.

The information processing device 200 may be any information processing device as long as it can realize the functions and methods described in the present disclosure.

The information processing apparatus 200 includes, by way of example and not limitation, a smartphone, a mobile phone (feature phone), a computer (for example, without limitation, a desktop, laptop, tablet, etc.), a server device, a media computer platform (for example, but not limitation). , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computer devices (such as, but not limited to, PDAs (Personal Digital Assistants), email clients, etc.), wearable terminals (such as, but not limited to, eyeglass devices, Including clock-type devices), other types of computers, or communication platforms.

<Hardware configuration>
The hardware configuration of the information processing apparatus 200 included in the communication system 1 will be described with reference to FIG. FIG. 2 is a diagram illustrating an example of a hardware configuration of the information processing device 200 according to the embodiment.

The information processing device 200 includes a processor 201, a memory 202, a storage 203, an input/output interface (input/output I/F) 204, and a communication interface (communication I/F) 205. The respective components of the hardware of the information processing device 200 are connected to each other via the bus B by way of example and not limitation.

The information processing apparatus 200 realizes the functions and/or methods described in the present disclosure by the cooperation of the processor 201, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205. To do.

The processor 201 executes the function and method realized by the code or instruction included in the program stored in the storage 203. The processor 201 is, by way of example and not limitation, a central processing unit (CPU), MPU (Micro Processing Unit), GPU (Graphics processing Unit), microprocessor (microprocessor), processor core (processor core), multiprocessor (multiprocessor). , ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and a logic circuit (hardware) formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) or the like, Each process disclosed in each embodiment may be realized by a dedicated circuit. Further, these circuits may be realized by one or a plurality of integrated circuits, and the plurality of processes shown in each embodiment may be realized by a single integrated circuit. Further, the LSI may be referred to as VLSI, super LSI, ultra LSI, or the like depending on the degree of integration.

The memory 202 temporarily stores the program loaded from the storage 203 and provides a work area to the processor 201. The memory 202 also temporarily stores various data generated while the processor 201 executes the program. The memory 202 includes, for example and without limitation, a RAM (Random Access Memory), a ROM (Read Only Memory), and the like.

The storage 203 stores the program. The storage 203 includes, for example and without limitation, a HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

The communication I/F 205 transmits and receives various data via the network 130. The communication may be performed by wire or wireless, and any communication protocol may be used as long as mutual communication can be performed. The communication I/F 205 has a function of performing communication with another information processing device via the network 130. The communication I/F 205 transmits various data to another information processing device according to an instruction from the processor 201. Further, the communication I/F 205 receives various data transmitted from another information processing device and transfers the data to the processor 201.

The input/output I/F 204 includes an input device that inputs various operations on the information processing device 200, and an output device that outputs a processing result processed by the information processing device 200. In the input/output I/F 204, the input device and the output device may be integrated, or the input device and the output device may be separated.

The input device is realized by any of all types of devices capable of receiving an input from a user and transmitting information related to the input to the processor 201, or a combination thereof. The input device includes, by way of example and not limitation, a touch panel, a touch display, a hardware key such as a keyboard, a pointing device such as a mouse, a camera (operation input through an image), and a microphone (operation input by voice).

The output device is realized by any of all types of devices capable of outputting the processing result processed by the processor 201, or a combination thereof. When outputting the processing result as a video or a moving image, the output device is realized by any one or a combination of all types of devices capable of displaying the display data according to the display data written in the frame buffer. It The output device is, for example, without limitation, a touch panel, a touch display, a monitor (as an example without limitation, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HDM: Head Mounted Display), projection mapping, a hologram. , A device capable of displaying images and text information in the air (may be a vacuum), a speaker (voice output), a printer, and the like. Note that these output devices may be capable of displaying the display data in 3D.

The program of each embodiment of the present disclosure may be provided in a state of being stored in a computer-readable storage medium. The storage medium can store the program in a “non-transitory tangible medium”. Programs include, by way of example and not limitation, software programs and computer programs.

The storage medium is, where appropriate, one or more semiconductor-based or other integrated circuits (ICs) such as, but not limited to, field programmable gate arrays (FPGAs), application specific ICs (ASICs), etc. ), hard disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic It may include tape, solid state drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or any suitable combination of two or more thereof. Storage media may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

Further, the program of the present disclosure may be provided to the information processing device 200 via any transmission medium (communication network, broadcast wave, or the like) capable of transmitting the program.

Each embodiment of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave in which a program is embodied by electronic transmission.

It should be noted that the program of the present disclosure is implemented, for example and without limitation, by using a script language such as JavaScript (registered trademark), Python, C language, Go language, Swift, Kotlin, Java (registered trademark), or the like.

At least a part of the processing in the information processing device 200 may be realized by cloud computing including one or more computers.

At least part of the processing in the information processing device 200 may be performed by another information processing device. In this case, at least a part of the processing of each functional unit realized by the processor 201 may be configured to be performed by another information processing device.

<Other>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, a predetermined process is operated when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. You may.

In this disclosure, unless stated otherwise or indicated by context, "at least one of A and B" means "A, B, or both." Further, unless otherwise specified or indicated by context, “a”, “an”, or “the” shall mean “one or more”. Thus, herein, "an A" or "the A" means "one or more A," unless otherwise specified or indicated by context.

This disclosure includes all changes, substitutions, variations, alterations, or modifications that can be made by those skilled in the art to the embodiments and examples of the present disclosure. Moreover, the appended claims encompass all changes, substitutions, variations, alterations, or modifications that can be made by those skilled in the art to the embodiments and examples of the present disclosure. Furthermore, this disclosure includes any combination of one or more features of the embodiments or examples in this disclosure with one or more features of other embodiments or examples in this disclosure that can be made by those skilled in the art. To do.

In addition, a device or system or device or system component adapted, arranged, capable, configured, usable, operable, or operable to be adapted to perform a particular function. References in the claims appended hereto are those devices, systems, or components that are so adapted, arranged, capable, configured, enabled, enabled. As long as the device, system, or component is activated, turned on, or unlocked, the device, system, or component is encompassed as long as the device, system, or component is activated, turned on, or unlocked.

Unless otherwise specified, the present disclosure may obtain consent from a user before or immediately before implementing any of the embodiments or examples. Further, the consent to be acquired may be comprehensive or may be acquired each time.

<Embodiment>
The embodiment of the present disclosure is an embodiment in which a post-payment service in which an upper limit amount of money is set for an account that has been authenticated by eKYC is used for payment processing.

According to the embodiment, even if the bank account to be deposited in the payment service account is not linked, the payment service can be used to improve the convenience of the user, and the maximum amount of the post-payment service can be set. The effect of being able to give a feeling is obtained.

<Functional configuration of the embodiment>
Functional configurations of the server 110 and the terminal 120 will be described with reference to FIG. FIG. 3 is a diagram showing an example of a block diagram showing a functional configuration of the server 110 and the terminal 120 according to the embodiment. The functional unit disclosed in FIG. 3 is realized by cooperation of a processor 201 included in the information processing device 200, a memory 202, a storage 203, an input/output I/F 204, and a communication I/F 205.

(1) Functional configuration of the server
The server 110 includes a reception unit 311, a transmission/reception unit 312, a control unit 313, and a storage unit 314. Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) within a feasible range.

The reception unit 311 receives various setting operations and the like from a business operator that operates various services provided by the server 110.

The transmission/reception unit 312 transmits/receives data to/from the terminal 120 according to an instruction from the control unit 313. The transmission/reception unit 312 uses, for example, a session for communication with the terminal 120 or the like using HTTPS or the like when the user of the terminal 120 or the like is authenticated by the user ID and password included in the login request from the terminal 120 or the like. Connect. Then, the communication address of the terminal 120 and the like, the user ID, and the like are stored in association with the ID of the connected communication session. Then, using the connected communication session, the data is transmitted to the terminal 120 or the like.

The control unit 313 performs a process of providing the user of the terminal 120 with services such as a payment service, an electronic coupon distribution service, a financial service, and an electronic commerce service. The control unit 313 causes the transmission/reception unit 312 to transmit information that controls the display screen of the terminal 120.

The storage unit 314 stores information on the user of the terminal 120 and various information such as the payment history and attributes of each user.

(2) Functional configuration of the terminal
The terminal 120 includes a reception unit 321, a transmission/reception unit 322, a control unit 323, and a storage unit 324. Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) within a feasible range.

The reception unit 321 receives various operations and the like from the user of the terminal 120.

The transmission/reception unit 322 transmits/receives data to/from the server 110 or the like according to an instruction from the control unit 323. The transmission/reception unit 322 connects a session for communication with the server 110 using HTTPS or the like, for example, when logging in to the server 110. Then, the communication address of the server 110 and the like are stored in association with the ID of the connected communication session. Then, the data is transmitted to the server 110 using the connected communication session.

The control unit 323 performs a process of using various services provided by the server 110, such as a payment service, a financial service, and an electronic commerce service. The control unit 323 controls the display screen of the terminal 120 based on the information received from the server 110 and the like.

The storage unit 324 stores information for using various services such as the payment service provided by the server 110.

<Process of Embodiment>
Processing of the communication system 1 according to the embodiment will be described with reference to FIG. 4. FIG. 4 is a diagram showing an example of a processing sequence of the communication system 1 according to the embodiment. It is assumed that the terminal 120 has been authenticated by the server 110 using the user account when communicating with the server 110.

In step S1, the control unit 313 of the server 110 creates an account of the user of the terminal 120 related to the payment service. In this step, for example, the control unit 323 of the terminal 120 sends a request for account creation to the server 110, and the server 110 responds to this by providing information necessary for account creation (for example, identification information of the terminal 120 or a telephone number). A request is made to the terminal 120, and the control unit 313 of the server 110 creates an account using the information received from the terminal 120. If the user of the terminal 120 already has an account of another service other than the payment service provided by the provider associated with the payment service of this embodiment, the account of the other service is set. It may be used as an account for a payment service.

In step S2, the control unit 313 of the server 110 authenticates the user who created the account by using eKYC. The eKYC is an electronic customer confirmation (Know Your Customer: KYC) method, which is an online identity confirmation service. In eKYC, for example, the user of the terminal 120 transmits the face photograph-containing identification card and the face image data to the server 110, and the server 110 compares the face photograph and the face image of the identification card received from the terminal 120. You can authenticate yourself. That is, even if the bank account is not set, the personal authentication can be easily performed only by the communication between the terminal 120 and the server 110.

The process of step S2 is performed, for example, not only immediately after the account creation in step S1 but also when the user authentication of the terminal 120 is necessary after the account creation (for example, cashing the points given to the account and withdrawing money). If you do), you may do so. In this step, for example, the server 110 sends a notification to the terminal 120 that the user is authenticated by eKYC and a request for necessary information (identity card and face image data) to the eKYC. Personal authentication is performed using the information transmitted to 110.

When the personal authentication by eKYC is completed, the account is ready for deposit and withdrawal. However, since the user authentication is performed using eKYC, there is no associated bank account that can be credited to the account, and money cannot be transferred from the bank account to the account. In other words, the value cannot be charged to the account immediately. Therefore, in the present embodiment, in step S3, the control unit 313 of the server 110 transmits a message for suggesting the use of the postpaid service to the user of the terminal 120 via the transmission/reception unit 312.

Here, the "post-payment service" defines the amount, interest rate, period, type of collateral, etc., and in many cases lends money by taking promissory notes and debt instruments, determines damages, usage fees, period, etc. Or lending a right. Particularly, in the present embodiment, between the user of the terminal 120 and the settlement service provider of the server 110, an upper limit amount of money that can be used within a predetermined period and a payment deadline for the usage amount of money are set, and money is paid from the server 110 to the terminal 120. A service that lends and deposits money to your account. The money may be loaned periodically.

In step S4, the control unit 323 of the terminal 120 displays the post-payment service proposal screen on the display screen of the terminal 120 based on the post-payment setting proposal message received from the server 110. When the user of the terminal 120 performs an operation to set the postpaid service, in step S5, the control unit 323 of the terminal 120 requests the server 110 via the transmission/reception unit 322 to use the postpaid service in response to the operation. Send the request.

FIG. 5: is a figure which shows an example of the proposal screen of the postpaid service displayed on the terminal 120 in step S4. As shown in FIG. 5, on the payment service screen 121 displayed on the terminal 120, a post-payment service setting button 122 is displayed according to the proposal from the server 110 in step S3. Further, on the payment service screen 121, a post-payment service explanation window 123 may be pop-up displayed. When the user of the terminal 120 presses the post-pay service setting button 122, a request for setting the post-pay service is transmitted to the server 110 in step S5, and a transition is made to an upper limit amount setting screen 124 of FIG. 6 described later.

In step S6, the control unit 313 of the server 110 sets the upper limit of the postpaid service of the user of the terminal 120 in response to the reception of the postpaid service setting request from the terminal 120.

In step S6, the upper limit amount of money can be set to another amount of money for each user based on the user information of the terminal 120, for example. For example, it is possible to set a “maximum amount” of a postpaid service that can be given to the user based on the user information and set the maximum amount as the upper limit amount.
The user information for determining the maximum amount of money includes, for example, one or more of the following information.
(1) Sale history of products in the user's transaction service (2) Past usage history in the user's payment service (3) Maximum amount of money actually set by another user similar to the user (4) User credit rating ( 5) User attributes (age, gender, etc.)
(6) Annual income and assets of the user (7) Amount that can be loaned to the user according to the total amount regulation

Note that more specific information regarding (1) above includes, for example, whether past payments are overdue, the amount used, and the seller side in the transaction service among other services provided by the provider associated with the settlement service. It includes mutual evaluations with buyers and the number of transaction cancellations. Or, analyze the contents of the comments exchanged between the user and the other side in the sale of goods by text mining, etc., and use the information obtained from the analysis whether the user is a good person or whether there is a trouble with the other side. Can also

Here, the “trading service” is, for example, a service that enables consumers to sell products, and for example, transactions such as flea market service and online auction service (personal online transaction, CtoC (Consumer to Consumer)). Electronic commerce, online transactions between consumers, and immediate purchase (pawn shop) services may be included.

Note that (1) above may be extended to the usage history of services other than the transaction service provided by the same provider as the settlement service provided by the server 110 in the present embodiment. If it is another service of the same provider, it is considered that the server 110 can refer to the personal information about the user. By referring to the usage history of other services of the user, it is possible to set an appropriate upper limit amount of money that suits the user. Alternatively, the user may use the history of other services such as the transaction service before the account of the settlement service of this embodiment is created.

More specific information regarding (2) above includes, for example, information such as the number of cancellations of payment (a large number results in a low evaluation) and the presence or absence of trouble with a payment partner such as a store.

In the above (3), specific information used to judge the degree of similarity between a user and another user is, for example, age, evaluation, number of transactions, comment content, address, sex, usage frequency, average payment amount. Information such as, is included. In addition, in the case of services for individual purchase and sale, the number of purchases and sales, the number of cancellations, the number of CS (customer satisfaction) department interventions, and the timing of transaction messages with the other party (it can be inferred that there are many timings after purchase). ) Can also include specific information about the sale.

Further, the method of determining the upper limit amount of money may be performed in the following procedure. First, the control unit 313 of the server 110 determines a candidate amount list including one or more candidate amounts based on the user information, and transmits the candidate amount list to the terminal 120 for display. Next, when the user of the terminal 120 selects one amount from the candidate amount list, information on the selected amount is returned from the terminal 120 to the server 110. Then, the control unit 313 of the server 110 determines the selected amount of money received from the terminal 120 as the upper limit amount of money. Since the user can arbitrarily select the amount of money, the psychological hurdle that the user has to set a large amount of money can be reduced.

Further, for the candidate amount in the candidate amount list, for example, the “maximum amount” of the postpaid service that can be given to the user based on the user information is set, and all the amounts in the list are set to be equal to or less than this maximum amount. be able to. The candidate price list may be any list as long as the user can set the price. For example, the user may be allowed to specify an arbitrary amount of money with an adjustment bar in which the lower limit is 0 yen and the upper limit is the maximum amount based on user information.

In the process of setting the upper limit amount of money in step S6, a screen prompting the user of the terminal 120 to input the desired amount of the upper limit amount of money is displayed on the terminal 120, and when the user inputs the desired amount of money, the amount of money input at the terminal 120. May be set as the upper limit amount of money.

In step S<b>7, the control unit 313 of the server 110 transmits, via the transmission/reception unit 312, information on the set upper limit amount of the postpaid service to the terminal 120.

In step S8, the upper limit of the postpaid service is presented to the user of the terminal 120, and the payment process can be performed.

(Maximum amount setting screen)
A procedure in the case where the control unit 313 of the server 110 includes a process of causing the user of the terminal 120 to select one amount from the candidate amount list will be described with reference to FIGS. 6 and 7. FIG. 6 and FIG. 7 are diagrams showing an example of the upper limit amount setting screen 124 displayed on the terminal 120 in step S6. As shown in FIG. 6, on the upper limit amount setting screen 124, a pull-down menu 125 of the upper limit amount candidate amount and a setting button 126 are displayed. In the case where the pull-down menu 125 is folded and displayed, for example, as shown in FIG. 6, the maximum amount of money that can be given to the user (“¥20,000” in the example of FIG. 6) is temporarily selected.

When the expand button 125A of the pull-down menu 125 is pressed, the pull-down menu 125 is expanded and the candidate amount list 127 is displayed as shown in FIG. In the example of FIG. 7, four types of candidate amounts (¥20,000, ¥15000, ¥10000, ¥5000) are set by reducing the maximum amount of ¥20,000 in increments of ¥5,000. These candidate amounts are set by the control unit 313 of the server 110 and transmitted to the terminal 120. When one amount (“¥10000” in the present embodiment) is selected from the candidate amount list 127, the screen returns to the screen of FIG. 6 and the setting button 126 is pressed, information on the selected amount is displayed on the terminal. 120 is transmitted to the server 110, and the control unit 313 of the server 110 sets the selected amount as the upper limit amount in step S6.

FIG. 8 is a diagram showing an example of screen transition of the post-payment service use screen 128 displayed on the terminal 120 after step S7. As shown in FIG. 8(A), the post-pay service use screen 128 reflects and displays the post-pay maximum amount (¥10000) set in step S6. First, an explanation window indicating that the post-pay service is available 129 is pop-up displayed.

Even if the post-payment service is set, when the sales (account deposit amount) and points are given to the account, the sales and points may be preferentially used for the settlement processing. In this case, for example, as shown in FIG. 8B, an explanation window 131 for preferentially using the sales money/points may be displayed in a pop-up.

Then, the post-payment service use screen 128 after closing the explanation windows 129 and 131 of FIGS. 8A and 8B is displayed as shown in FIG. 8C. As shown in FIG. 8C, the postpaid service usage screen 128 displays a postpaid service available amount column 133, a payment amount column 134, a postpaid service payment procedure button 132, and information such as a payment deadline. It is displayed.

FIG. 9 is a diagram illustrating an example of the post-payment service use screen 128 after the use of the payment process in step S8. In FIG. 9, the purchase history 135 of the postpaid service is displayed, and the total amount of purchases displayed in the purchase history 135 is displayed in the payment amount column 134 at the top of the screen. Further, as compared with FIG. 8C, the postpaid service available amount column 133 is displayed with the amount reduced in the payment amount column 134.

In the example of FIG. 4, the server 110 uses eKYC in the personal authentication process of step S2 as a predetermined condition for proposing the post-payment service to the terminal 120, but the personal authentication is performed without setting a bank account. Any method may be used as long as it is carried out, for example, the case where the mail limited to the recipient is used. Further, the user of the terminal 120 may not be associated with a bank account that can transfer funds to the account.

Further, another predetermined condition for the server 110 to propose the post-payment service to the terminal 120 may be, for example, a case where the maximum value of the value charged in the account and usable for payment is a predetermined value or less. This is because it can be inferred that when the value charged in the account is in a relatively low range, the amount of payment will be insufficient, and the post-payment service is often useful for the user. On the other hand, when the value charged in the account is high, the situation in which the payment amount is insufficient becomes extremely small, and it is considered that the value of the post-payment service is low for the user, and therefore the proposal need not be made.

The process of setting the upper limit amount of money for the postpaid service in step S6 of FIG. 4 may include a process of changing the upper limit amount of money according to changes in user information even after the upper limit amount of money is set once. Further, when the upper limit amount is changed in the process of changing the upper limit amount, a process of notifying the terminal 120 in advance may be included.

The process of changing the upper limit amount of money may include the following processes in more detail. When the maximum amount of money has become high due to a change in user information, and the maximum amount of money is set to the maximum amount of money before the change, the maximum amount of money is set to the maximum amount of money after the change. In addition, when the maximum amount of money is increased due to the change of the user information and the upper limit amount of money is set to be less than the maximum amount of money, the upper limit amount of money does not have to be changed.

Further, when the maximum amount of money has become small due to a change in user information and the upper limit amount of money has been set to the maximum amount of money, the upper limit amount of money is set to the changed maximum amount of money. In addition, when the maximum amount of money has become small due to a change in user information and the upper limit amount of money is higher than the changed maximum amount of money, the upper limit amount of money may be the changed maximum amount of money. Accordingly, when the upper limit amount of money is set lower than the maximum amount of money, it is possible to prevent the upper limit amount of money from being indiscriminately changed and become larger than before even if the maximum amount of money changes.

Further, in the process of setting the upper limit amount of the postpaid service in step S6 of FIG. 4, the upper limit amount set by the user is added every month, or the payment of the postpaid service of the previous month is set so that the upper limit amount set by the user is reached. It may be configured such that only the amount of money is added every month.

1 communication system 110 server (information processing device)
311 reception unit 312 transmission/reception unit 313 control unit 314 storage unit 120 terminal (information processing terminal)
321 reception unit 322 transmission/reception unit 323 control unit 324 storage unit

Claims (19)

The information processing device
The process of generating the user's payment service account,
A process of determining a maximum amount of post-payment service based on information associated with the account when a predetermined condition is satisfied,
A process of determining a candidate amount of money that is equal to or less than the maximum amount of money,
An information processing method for executing a process of determining an upper limit amount of post-payment service for the account from the candidate amounts of money. The information processing method according to claim 1, wherein the predetermined condition includes a case in which personal authentication is performed on the user without setting a bank account capable of transferring funds to the account. The information processing method according to claim 2, wherein the case of performing the personal authentication without setting the bank account includes the personal authentication using eKYC. The information processing method according to any one of claims 1 to 3, wherein the predetermined condition includes a case where the maximum value of the value charged in the account and usable for payment is a predetermined value or less. The information processing method according to any one of claims 1 to 4, wherein the predetermined condition includes a case where a bank account capable of transferring funds to the account is not associated with the user. The information processing method according to claim 1, wherein the maximum amount of money is determined based on a usage history of a service other than the settlement service. The said maximum amount of money is the information processing method of any one of Claims 1-5 determined based on the sales history of the goods of a transaction service. The information processing method according to claim 1, wherein the maximum amount of money is determined based on a past usage history of the payment service of the user. The information processing method according to claim 1, wherein the maximum amount of money is determined based on an upper limit amount of money set by another user similar to the user. The information processing method according to claim 1, wherein the maximum amount of money is determined based on the creditworthiness of the user. The information processing method according to claim 1, wherein the maximum amount of money is determined based on an attribute of the user. The process of determining the maximum amount is
The information processing method according to claim 1, wherein an amount of money set by the user is set as an upper limit amount of money among the candidate amounts of money. The process of determining the maximum amount is
When the predetermined condition is satisfied, a post-pay service usage suggestion message is transmitted to the information processing terminal used by the user, and when the request to use the post-pay service is received from the information processing terminal, the maximum amount of money is determined. The information processing method according to any one of claims 1 to 12. The process of determining the maximum amount of money determines the upper limit amount of money based on user information of the user,
The information processing method further includes
The information processing method according to claim 1, further comprising a process of changing the maximum amount of money according to a change in the user information. The process of changing the maximum amount is
The information processing method according to claim 14, further comprising a process of changing an upper limit amount of money in response to a change of the maximum amount of money. The process for changing the maximum amount is
When the maximum amount of money is the maximum amount of money before the change and the maximum amount of money after the change is larger than the maximum amount of money before the change, it includes a process of determining the maximum amount of money as the maximum amount of money after the change. The information processing method according to claim 15. The information processing according to any one of claims 14 to 16, including a process of transmitting a message to the information processing terminal used by the user when the upper limit amount is changed in the process of changing the upper limit amount. Method. Generate a user payment service account,
When the predetermined condition is satisfied, the maximum amount of post-payment service is determined based on the information associated with the account,
Determine a candidate amount of money that is less than or equal to the maximum amount and that consists of multiple amounts,
A control unit that determines a maximum amount of post-payment service for the account from the candidate amount of money;
Information processing device. In the information processing device,
The process of generating the user's payment service account,
A process of determining a maximum amount of post-payment service based on information associated with the account when a predetermined condition is satisfied,
A process of determining a candidate amount of money that is equal to or less than the maximum amount of money,
A process of determining a maximum amount of post-payment service for the account from the candidate amount of money;
An information processing program that executes.

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